davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (NV)

On XX/XX/XXXX, per XXXX XXXX letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries are still reported on my credit reports. 

Fraudulent Credit Inquiries from the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Consumer complaint received 2018-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (WA)

On XX/XX/18 I set up an automatic payment plan on my debt for {$130.00} a month on my credit card. With CMRE debt collector 's. On XX/XX/18 I called and made and offer to pay off debt in full. 
The company accepted. Two days later they charged my credit card again for {$130.00}. I called again and they said it was to late to atop automatic charge and debt paid in full but now it was for the full amount not offer in compromise. 
I asked if this was going to happen again next month, they said we are professionals of course not. 
Today XX/XX/2018 guess what there is a charge for {$130.00} on my credit card.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-10-07
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: Experian Information Solutions Inc. (NJ)

THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

I did not receive the {$500.00} bonus as advertised for opening and maintaining my Citibank checking account. A Citibank representative I spoke with on the phone said that I met all the requirements in order to receive the {$500.00} bonus, but she claimed that a promotional code was not applied to my account upon opening. I opened my checking account online using Citibank 's promotion website link on XX/XX/2019. I deposited {$15000.00} into my account on XX/XX/2019 and maintained at least this amount for 5 months and continuing to do so. An error in Citibank 's part should not exempt me from receiving the bonus. Citibank should honor the bonus for their new customers that meet all requirements.
Consumer complaint received 2022-02-11
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. (AL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX K XX/XX/XXXX -XXXX  XX/XX/XXXX x -XXXX XX/XX/XXXX -XXXXL XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX  XXXX -XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-04-14
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. (ND)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I used a XXXX XXXX  credit card with PayPal. Of the two sites I reported, one proved fraudulent, I am independently compensating the other. XXXX has resolved both concerns. Paypal refuses to close the 'open concerns ' and thereby, refuses to allow me to close my account. I need your help. 
PayPal case ID XXXX Paypal case ID XXXX. 

All I want to do is close the PayPal account... forever. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (FL)

I had a Credit Card account ending in XXXX that the company founded to a fraudulent and sent all 3 consumer reporting agency authorization to delete the account all but one chose not to delete the account now they have the account under the name Equifax account ending in XXXX I know this has to be illegal for Equifax to hide and continue to furnish a fraudulent accounts
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.
Consumer complaint received 2022-07-05
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. (NC)

I have reached out to Equifax numberous times for this issues someone stole my information and identity and tried to open up numerous accounts in my name this will be the second time that I have been through this process for fraudulent items Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Equifax : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXy XXXX XX/XX/XXXX The auto finders in XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I have tried for months now, via disputes with credit bureaus, emails to Navient, and more... they have not only marked my payments as late for XXXX of the months since there has been a moratorium on student loan payments, interest, and collections due to covid but also tacked interest on to the account! I'm already on the winning end of a class action suit against them for their failure to provide viable repayment options before this, but now, I'd love to start a new one over this. 

My credit score is PERFECT with the exception of the lies these people refuse to correct.
Consumer complaint received 2021-08-23
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. (NC)

My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.
Consumer complaint received 2021-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Me and my wife have been Bank of America customers for over 25 years and have maintained both checking and savings accounts with the bank. Throughout this period our loan applications were either denied or not even responded to despite our proof of income and excellent credit ratings. 
We have never been able to successfully get a loan with the bank, despite the relationship and yet we could get loans from other banks that we have little or no relationship
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Since late XXXX to early XXXX I've been stressed completely due to the lack of diligence on XXXX end with my information being in the system. Since the years stated I have been constantly having to file disputes for the same company... XXXX. I have been dealing with my livelihood being at jeopardy and been decline credit due to having this repeated issue. XXXX keeps generating a {$600.00} collection that has already been identified and confirm by several employees and managers that the accounts have all been fraud since XXXX. I first became aware when I kept having to go to customer service just to pay my bill because when I called my number never registered in the system. I truly became aware when my credit score dropped and when I checked it said it was from XXXX. The entire time I thought I was paying my phone bill apparently a account never existed and I have no idea where that money was being applied. Upon becoming aware of this I tried until XXXX to fixed the issue and it was never resolved no matter how many times I disputed the collections another one was generated and applied with no account number to link to an actual account. Until this day in XXXX their system still say I never had an account with them but its still generating collections saying I owe them. Its now going on 5 years and I'm beyond distressed. I personal feel like the situation has been over looked for all these years because I am a minority and no matter to these companies. I've literally been to EVERY store in the XXXX and XXXX XXXX area to resolve this issue and for 5 years I haven't gotten anywhere only more inconvenience in my life. XXXX has consistently been the only collections I've had on my credit outside of student loans this situation has been completely unfair and to be limited for the last 5 years by a company that has ignore EVERY attempt of solution on my end. I had to show court documents showing I moved, show proof of the new address that the service was transferred to and all kinds of unnecessary inconvenience just to be told there was system isn't showing my account ever existed but keeps generating collections.
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and equifax ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I posted a job listing on XXXX offering my services as a XXXX XXXX. Shortly after, I received a message from someone claiming to represent XXXX XXXX named " XXXX XXXX. '' Because there was this message on the XXXX XXXX, the message made me think it was a legit partner from them : XXXX ( XXXX XXXX ) is a XXXX Business client Business clients are great for offering ongoing work and big projects. Give fast, quality service to win their next project. 

XXXX offered me a remote position with a promising payment rate, and I eagerly agreed to a XXXX interview. During the interview, everything seemed professional and legitimate, and I provided my identification documents without hesitation. On the designated workday, XXXX informed me that the company was in the process of obtaining the necessary equipment, but they sent me a check and asked me to send money to a vendor for the equipment. 

This process was repeated multiple times with different checks, and I deposited the checks and sent the requested funds as instructed. However, I later discovered that it was a scam when my bank notified me of a returned check and I realized the real XXXX XXXX had warned against such scams on her XXXX profile. 

My primary grievance revolves around the lack of urgency and willingness to resolve the issue promptly by the two financial institutions involved. Firstly, I am deeply concerned about Wells Fargo 's decision to honor three counterfeit checks on separate occasions, totaling {$14000.00}. 

When I contacted Wells Fargo to report the fraudulent activity, I was met with a disengaged fraud department agent who remained unresponsive throughout my explanation of the situation. Despite the fact that a larger check of {$5800.00} had yet to be cashed and could have been prevented and returned, the agent simply stated that there was nothing he could do. 

Similarly, my experience with XXXX XXXX was disheartening. I reached out to the specific XXXX agency used by the scammer and spoke directly to a representative at their branch. However, she provided no assistance and claimed that the manager was too busy to speak with me. 

She took my information to have the manager call me back, but I never received a call. Additionally, the representative provided me with a 1-888 number to complain, but it was exclusively for XXXX account holders, and as a non-account holder, I was unable to utilize it. 

Both financial institutions allowed these fraudulent activities to occur without intervening or displaying any willingness to assist.
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. TransUnion, XXXX  and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from my credit report.
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I did a refinace on my home and paid off my Personal Credit Line with Huntington Bank. On XX/XX/XXXX I was contacted by phone by my title company who informed there was still a balance owed and it was going to jeopardize the status of my refinance. Upon review of the account here is what I found : On XX/XX/XXXX my account had a XXXX  balance but on XX/XX/XXXX an additional charge of {$190.00} was assessed. When I called Huntington I was advised by a representative of the bank that the fee was assessed in error and that they would have it waived. I advised them this was impacting my refi and he stated he would have it expedited. 
On XX/XX/XXXX I received not one but two letters from Huntington with a demand for payment due by XX/XX/XXXX or I would incur additional interest. At this time I followed up with them only to be advised that I had been misinformed by the previous rep and that because there had been a draw on my account of {$400.00} that I owed {$190.00} in additional charges despite having paid the account balance to XXXX and that the amount would not be waived as I had been informed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.