davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX, XXXX XXXX EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX -- -> : {$16000.00}
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with Experian, XXXX, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/XXXX.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

CHEX SYSTEMS, XXXX, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MO)

During XXXX XXXX XXXX I stopped using my Discover card and began to pay off the balance. I was getting close to the limit and didn't want to go over. In XXXX XXXX XXXXXXXX I began to notice a reoccurring charge. The charge was the " payment protection '' fee. I spent the next 3 week talking with Discover. I requested that they produce the document where I agreed to the enrollment in the program. They said they didn't have. They eventually said they can give me {$800.00} to settle the dispute. I told them no, I wanted all charges to be returned. I requested the total amount that had been stolen and they refused to show me. Once they offered the {$800.00} they credited my account, despite my refusal, and then they stopped taking my calls. I hired an attorney to send them a letter, but they would not respond to the attorney. After doing some research I found that there was a class-action law suite in XXXX where they were ordered to stop the practice as well as pay refunds, and there was to be no action to take on my part. I was never notified nor did I receive any payments. On top of this up until XX/XX/XXXX they were still charging me the " payment protection '' they were ordered to stop. I also saw that " XXXX XXXX XXXX '' and " XXXX XXXX '' was mentioned also. I was also enrolled in these products and was told they were part of the card, not separate items that had additional charges. I have tried to speak to Discover and have tried to have a lawyer speak on my behalf and I have been meet with a stone wall.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have new and updated information. Pursuant to 15 USC 1681i, Equifax is required to provide me a description of its reinvestigation procedure. The reinvestigation results Equifax mailed me with confirmation number XXXX, did not describe its reinvestigation procedure as outlined by federal law. I am requested that Equifax deliver its dispute results via the CFPB portal to this complaint and not close the complaint until it is completed and compliant with 15 USC 1681i. Previous complaint : I have previously disputed alleged accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with XXXX, Equifax, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXXXXXX XXXX, XXXX, 2021 XXXX XXXX XXXX  XX/XX/2021 XXXX Card services XXXX, XXXX, 2021 XXXX XXXX Bank XXXX, XXXX, 2021 XXXX cards XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

Hi my husband and I called PNC Banks direct banking center on XX/XX/XXXX to order checks and spoke with XXXX. She said there would be no charge for my checks and she would change my account so there would be no charges for checks on any of my accounts and there would be no fees. 

On XX/XX/XXXX I received 2 notices from PNC Bank saying my account had been converted and there was a fee schedule attached. 

On XX/XX/XXXX My husband and I called PNC Bank and spoke to XXXX the supervisor for an hour and half. We were told we were being charged for checks it does not matter how much money you have. She refused to put my accounts back to what they were prior and insisted if I did not keep certain balances in each account I would be charged. I told her there were months that I did not keep that balance level and was not charged. She did not believe me and I asked her to look at old statement and she refused. I had to get my statements form the basement to prove to her I had Performance Select Accounts. She refused to provide free checks on all my accounts. 

On XX/XX/XXXX I was so frustrated I said I was going to use XXXX to get help and then she refused to help me at all as retailation. 

On XX/XX/XXXX I was looking at the fee schedule and saw that I qualify for Performance Select Accounts which requires {$5000.00} of deposit in checking ( I have {$49000.00} ) or {$25000.00} of checking and brokerage investment ( I have {$150000.00} ) These balance allows for 8 free  accounts and free checks on all my accounts. 

XX/XX/XXXX I spoke to XXXX at the executive escalation and she confirmed that I had enough money to receive free services. XXXX would not explain why I was lied to and kept on the phone. She said she had to listen to the call. She said she would listen to the call and give a me a call back today and she did not. She also referred to the fact that I complained once before a customer service representative tried to charge me for an new bank card which should be free too. 

I think customers should be give fair and honest information and not retaliated and discriminated against if they complain that are not getting the services they are entitled to. I am not sure but XXXX was a manager and should have been able to review my accounts and offer the correct product and honor the free services. She did the contrary and refused to provide the free checks I was entitled to. 

It seemed to deliberate and retaliatory.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants INC are harassing me every day! They keep calling every day asking to pay a debt that I do not owe. I told them to stop the calls but they will not listen. They gave me an account number with at & t that does not even exist. I spoke to XXXX XXXX XXXX in numerous time asking them if I had a balance with them. All the representatives always tell me to ignore the calls and not to share any information with them. I tried to ignore them but they call from different numbers and yesterday they called my mom. I find this very disrespectful because first of all i do not owe anything. Second they are extremely rude and lastly I have never shared my moms information with anything related with me because she does not speak any English. They are definitely violating the debt collections agency rules by contacting my relatives. They are probably getting phone numbers from the internet or something. I need this harassment to stop now. I am afraid they will even mess up my credit because i am not aware of how much information they have. I XXXX  the company and thet have about 345 bad reviews on XXXX and XXXX so they are probably violating a lot of consumers rights.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I purchase from a company called XXXX, a training package regarding internet marketing. The program portion was split up into 2 major training packages. Titanium/Platinum and Diamond. I used my Chase credit card ending in XXXX to purchase the TIT/PLA Combo using a credit of {$19000.00}. The remaining amount was paid with a different credit card. 
On XX/XX/XXXX the FTC shut down XXXX due to complaints that the company is a fraud. A Temporary Restraining Order was in place to stop the company from conducting any business, and a subsequent court order on XX/XX/XXXX made that TRO indefinite, essentially shutting XXXX down for good. 
I did not receive any of the services outline in the Titanium and  Platinum Agreement. The major portion of which is a training seminar in a location chosen by XXXX and continuing training and online services. I did not attend any of the promised seminars and any and all was not conducted due to the FTC shutdown of XXXX. I was not delivered the services I paid for and was promised to me. 
I placed a billing dispute with Chase on the card ending in XXXX. Chase has denied my claims, with no explanation as to why it was denied nor provided any proof that I received the services provided by XXXX.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

I been trying to get a real bank account, but I have been unsuccessful and if I and successful the bank either close within a week or two saying they relooked at my information and decided to close without telling me a real reason. I believe thats against the law for misjudgment and you cant deny someone without giving them the real reason why.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX,XXXX,XXXX,XXXX,XXXX