davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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. (IL)

i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, XXXX, Equifax
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

The credit card company admitted in writing that " the attempted authorization ( s ) have been determined not to be yours and have been declined. '' Then the account was closed. This is the same action taken by 2 other credit card issuers after extensive investigations by those issuers and by the U.S. Postal Service and the local sheriff department.Next the credit card company opened a new account in my name without my knowledge and accepted fraudulent charges. The fraudulent charges took place in XX/XX/XXXX and XX/XX/XXXX for approximately {$8800.00} and despite my attempt to discuss this matter with the credit card company, they continue to demand payment.
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

Never received any notice that {$370.00} was owed, not a phone or notice, just got a notification that a had a bad collection on my credit XX/XX/XXXX, I have ask for validations of debt several times and I have not received anything I have even offered a pay to delete XX/XX/XXXX and it was refused. I need this off my credit or the debt needs to be validated. 

Remex XXXX XXXX XXXX, XXXX, NJ XXXX XXXX
Consumer complaint received 2019-10-22
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. (VA)

XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

So Wells Fargo closed my account because of some scam checks I received in the mail, I didn't know because I have a history of getting unemployment checks and deposits with Wells Fargo and that Account and was told, I would get my funds because of history
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Liquidation Services Inc. (IL)

My personal information is being monitored by XXXX  XXXX because I am a government employee and my personal information was compromised. They told me this bunch of crooks gave put an illegitimate collection account for {$25.00} on my XXXX  credit file and trying to commit fraud against me!! I have no idea who they are andbb van owe no one any money!! Please enforce the laws and fine them and make them remove this account NOW!! I am sure the idiots caused my credit score to go down with this too!!
Consumer complaint received 2019-08-20
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. (IA)

The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-Iowa XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-03-12
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. (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and XXXX XXXX.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

On XX/XX/19, I issued instructions and executed the forms necessary to facilitate a custodial transfer of XXXX XXXX Account monies ( {$5000.00} ) FROM : XXXX XXXX, XXXX XXXX XXXX, WI XXXX TO : a newly established account at a new banking institution of choice. ( XXXX ) XXXX has been very helpful in assisting me with the paperwork needed for this transfer and they have even joined with me in three way phone calls to XXXX XXXX trying to complete this process. 

As of today, ( XX/XX/19 ) my monies still have NOT been released to my new banking institution. 

I suspect deliberate delays, lies, and deceptive practices have become common business practice at this Webster Bank. 

I want my XXXX monies transferred now. 

Your attention is appreciated.
Consumer complaint received 2021-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

On XX/XX/2021 I called Navient to pay off one of two consolidated loans. Both loans are current. As per Navient 's policy, if a loan is current a borrower is able to make additional payments on the loan. After specifying that I wanted to pay the payoff amount for loan XXXX, the supervisor applied the payment to the loan specified. The payment amount was {$3300.00} for loan XXXX. 

However upon verifying the application of my payment, I discovered that {$1600.00} was applied to loan XXXX and that I now owe Navient {$1600.00} on loan XXXX. The lender has added .16 of interest and failed to direct my payment to the loan requested, XXXX. Navient has frustrated my efforts to pay my loan in full.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (FL)

the account was closed and paid offXX/XX/2014 it has a XXXX balance  but it still showing and reporting on  credit report , I did dispute this and received a letter from the company showing I owed them a XXXX balance
Consumer complaint received 2019-08-20
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)

XX/XX/2019 BOUGHT ENGINE ONLINE (XXXX) THEY ONLY SENT 3/4 ON WHAT WAS LISTEDALSO CHARGED XXXX XXXX FEE WHEN IT SAID FREE SHIPPINGWE TRIED TO WORK IT OUT AND THEY AGREED TO PAY FOR THE MISSING PARTS AND RENTALS CAR BECAUSE IT TOOK THEM A MONTHTHEN THE OWNER XXXX XXXX, WITH 5 OTHER NAMES THAT ALL SHOW RIPOFF  XXXX SAID HE WAS NOT PAYING ANYTHINGWE HAVE TEXTS, PHONES CALLS, EMAILSWE THEN CONTACTED CHASE WHO OPENED A CLAIM BUT THEY NEVER SENT US ANYTHINGCHASE THEN REVERSED THE CLAIM AND GAVE THE MONEY BACK TO THE SELLER  AND SAID THEY COULD NOT DO ANYTHING WE WOULD HAVE TO FILL A SMALL CLAIM ACTIONWHERE STILL OUT THE PARTS COSTSHIPPING COST, RENTAL CAR CASTCHASE DOES NOT WANT TO HELPCHASE CLAIM ID # XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (MO)

My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for XXXX to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.
Consumer complaint received 2023-04-06
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2022-04-28
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. (GA)

In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : OAG XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2020-11-24
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-04-06
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. (SD)

XXXX XXXX  has been reporting Fraudulent information to my credit report since XXXX  without my written promission and without any communication or opt out ever sent to me. 

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything. 
Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

On XX/XX/XXXX, I was sent a letter from the Law Office of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX  and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX  that my credit score dropped. I went online and saw the debt collection company " National Credit Systems Inc '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of XXXX XXXX XXXX and the company " National Credit Systems '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX  to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: AMERICAN EXPRESS COMPANY (AZ)

I have the receipts and the debit cards where I purchased the two cards they were serve American Express debit cards when was for XXXX  the other one was for XXXX  supposed to send it to my lawyer to pay for some fees and I got home and checked the cards and they were empty and I called the company and they said you got a register so I did or it said it was complete couldn't find out it didn't register so I went back today and tried to register again tried talking to them see if they direct me or have another way to do it nope it would not help but he said you got to register it with no other way also I tried I'm on my phone of course I tried to registered would not allow me to register so the furniture gone off the cards they won't let me register and they won't do it any other way they will not help they did not have an answer for that that you said I haven't registered I want them out of business because they're not supposed to feel the full money off my card number
Consumer complaint received 2021-10-25
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. (IL)

i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, Transunion, XXXX
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive never been late on my account I was to to dispute it on my end and they XXXX XXXX would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi
Consumer complaint received 2020-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX   CREDIT REPORT.
Consumer complaint received 2020-01-21
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: DISCOVER BANK (CA)

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX  CREDIT REPORT.
Consumer complaint received 2022-11-07
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXXL XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have attempted to contact both Equifax and XXXX regarding this issue MULTIPLE times. One month ir reports correct then the next it is back incorrect. I received a letter reflecting that all payments were made on time from XXXX and have sent it to both of these bureaus and they consistently do NOTHING! XXXX received the same information and have since corrected this issue!