davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (MS)

My social security number has appeared on the dark web. I was notified by XXXX  my social security number was part of the data breach. My account was hacked and money was transferred and stolen. I did not receive any money and did not apply for any loan. I have filled out a police report and sent several to all parties involved yet my name appears on National Credit Adjusters file and appears on my credit report.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On or about XX/XX/2022 my checking account with Citizens Bank was accessed by XXXX The XXXX deposited fraudulent checks into my account and immediately withdrew money via XXXX, XXXX and XXXX XXXX. I caught the fraudulent transactions happening within a day or two because my account went into negative. I did not receive any notifications from the bank regarding suspicious transactions. After I reported the situation to the bank, I was directed to file several claims, which I completed over the phone. While XXXX and XXXX XXXX transactions were refunded, and the fraudulent checks were returned, to this day Citizens has not returned the {$3600.00} which were fraudulently, without my authorization, withdrawn from my account. Citizens is blaming XXXX for denying the claim. However, I believe because I had nothing to do with sending money via XXXX and money was withdrawn from my Citizens account, they should be the ones refunding the money they allowed to be stolen. If the issue is not resolved, I will be out of a lot of money due to Citizens refusal to honor our banking contract.
Consumer complaint received 2019-10-03
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. (MN)

I have contacted them XX/XX/2019. They refuse to remove the inaccurate i formation. I called XXXX XXXX myself and asked them when will they remove the information from my credit report and they said they are waiting on XXXX, which it had been over 90 days.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aargon Agency, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (LA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
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. (IL)

I tried to apply for a mortgage loan and the loan officer was not able to get my XXXX  report and shows there is fraud on the account, I called XXXX to see what is going on and I was told there is nothing wrong from their side we tried again and again no luck. 
We ended up getting Experian report that showed some incorrect information that couldn't be disputed online due to fraud. I called Experian to fix the problem of not letting me access my report online to see what is wrong and dispute it I was told that they can't do anything about it, I asked to speak to the supervisor from Experian he said he can't do anything thought I have the right to access my report online just like every single person in this country. all I ask now is Experian unlock my online dispute option so I can look at what is there and dispute accounts that doesn't belong to me.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (IL)

Hello Gold man Sachs is trying to knock off Apple card customer Now, I had a payment to be paid by XX/XX/XXXX and one that is current due for XXXX Statement on XX/XX/XXXX, I made both payments on XX/XX/XXXX but posted on XX/XX/XXXX, however If it was posted on XX/XX/XXXX or XX/XX/XXXX it is not past due XXXX nor delinquent since XXXX month is XXXX  days and technically if it was normal month I would be paid in the XXXX day of it I reached out to Apple customer service and they informed me that this is was their mistake reporting and will rectify it, they confirmed it by message below and by phone call XXXX reported me paying XXXX and XXXX overlapping XXXX, which ironically XXXX statement will be issued by the end of the month as their due date
Consumer complaint received 2022-04-05
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. (LA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (SC)

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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Auto loan managed by Wells Fargo. Interest rates were overcharged, which is why loan had to be paid off early. 
When calling customer support, I was specifically told contradictory things about interest fees multiple times. 
Loan was registered under maiden name ( XXXX XXXX ), latest payments made around XX/XX/2016. 
Thank you for looking into this!
Consumer complaint received 2020-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have been enrolled in the Federal Public Service Loan Forgiveness program ( PSLF ) since I started medical residency at a non-profit hospital system in XX/XX/XXXX, and have been making qualified payments towards the program monthly since that time. I last re-certified my employment with the non-profit hospital system in XX/XX/XXXX. Therefore I should have accumulated 47 months ( XX/XX/XXXX - XX/XX/XXXX ) towards the PSLF program. However, my federal loans servicer ( Fed Loans ) has only counted 39 months towards PSLF.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (OH)

On XX/XX/XXXX I filed a complaint with the Better Business Bureau against Key Bank. My first complaint was assigned ID number XXXX. From XX/XX/XXXX through XX/XX/XXXX, Key Bank was not cooperative with the Better Business Bureau and the case was closed and the BBB reported the complaint as unresolved. On XX/XX/XXXX, I filed a second complaint with the BBB and the second case was assigned ID number XXXX which was also closed and the BBB listed it as dissatisfied. My first complaint is that Key Bank has not issued my {$300.00} bonus that I am entitled to because my direct deposit occurred within 60 days of account opening and I have a document that states : Offer code XXXX has been applied to this account. My second complaint is that Key Bank has not refunded the {$7.00} fee charged on XX/XX/XXXX and the {$7.00} fee charged on XX/XX/XXXX in which I have an email from Key Bank representative XXXX stating that the fees would be refunded if I called in or came in. On XX/XX/XXXX I came in to the branch located at XXXX XXXX XXXX because that is where XXXX XXXX works and she handled all the email correspondence with the BBB to resolve both of these complaints. However, XXXX XXXX has not yet responded to these complaints even though Key Bank banker XXXX  XXXX called XXXX from her desk to inform her that I was there to address these complaints. I have all the documents and emails concerning these complaints in which I can email or fax for review.
Consumer complaint received 2020-07-19
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: Uplift, Inc (NY)

XX/XX/XXXX collection account was opened for {$1400.00} XX/XX/XXXX it was raised to {$2500.00} XX/XX/XXXX it was reported I never received any notice. I have never used this company for any service at all. I called the company multiple times to rectify it and have it removed from my report as this was not me and must be some sort of mistake. They refuse to do anything about it. The company name is uplift inc.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I got scammed by a person named XXXX XXXX posed as he's leasing an apartment to me. We both signed the lease, and after following the directions by XXXX on payments, I accidentally transferred a large sum of {$2300.00} to XXXX XXXX at XXXX via XXXX to XXXX XXXX XXXX Money was supposed to go to XXXX XXXX and not XXXX XXXX. XXXX or did not respond after following up for returning money. I filed a claim with Bank of America, and they gave a claim number XXXX. 

XXXX XXXX sent emails from IP address XXXX. His email is XXXX and his XXXX voice number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-04
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. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation on questionable accounts on my credit report. I has been over a month and I still haven't received a response.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Called Equifax to remove a fraud alert from my file that I DID NOT place on there, and they told me they could not verify me after providing them with BOTH my social and date of birth. They asked me to email them a selfie, social security card, and my drivers license. First off I do not even recall giving Equifax the consent to even having my personal information to begin with so them asking for not only my drivers license and social security card but also a SELFIE is ridiculous. The companies that I actually do business with does not even ask me for this information. As a consumer, I should not have to provide equifax any of that information in order to remove a fraud alert that I DID NOT place from a report that was furnished about me without my consent.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have never used XXXX. I noticed some XXXX charges on my bill and called Chase Bank to report the fraudulent charges. They asked me to look through my bill and report which charges were fraudulent. I told them that I never used XXXX and all the XXXX charges were fraudulent. I looked through the rest of the bill and told the representative that I didn't see any other fraudulent charges. 

They told me they'd cancel my card, issue me a new one, and reverse all the XXXX charges. They reversed most of them, but I had to go through and check their work. I noticed five charges they failed to reverse, totaling {$110.00}. 

This is unacceptable. I shouldn't need to check their work. They failed to verify that they reversed all of the charges. This sounds like a broken process and one that the Chase Bank has no incentive to remedy. 

The transactions they failed to reverse are as follows : XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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. (MD)

i never got a loan from XXXX XXXX XXXX  i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit report
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I referred someone to Coinbase using my referral link and he signed up for Coinbase. Coinbase 's referral program states that if you refer someone using that link and they buy/sell $ XXXX, the referrer will receive {$10.00} in Bitcoin . The person I referred completed the necessary verification steps ( verified his account with identification, bought over {$100.00} in cryptocurrency ) to get a {$5.00} sign up bonus and never received his credit, nor did I. I reached out to Coinbase on XX/XX/2021 to inquire why I never received my credit and did not receive a response regarding this specific issue until XX/XX/2021 in which they told me, " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible '' and then listed the common reasons a referral bonus would not be paid ( " account was created but not completed or verified '', or that " the account has not fully completed a purchase up to {$100.00} worth of digital currency '' ) neither of which apply to my situation. Coinbase also elaborated in a second email that a referral might be deemed ineligible due to shared finances - when I asked them to clarify what this meant, I never received a reply. Moreover, on XX/XX/2021, I also asked for a link to their Terms & Conditions that explains referral terms and received no response. It is unacceptable to tell a customer that an issue like this can not be manually reviewed. How does Coinbase know their referral system is working and more importantly, how does the customer know that Coinbase is exhibiting integrity in their referral program rather than defrauding customers?
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). 

I made the payment that same day. 

Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.