davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XX/XX/XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Equifax XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-04
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: I.C. System, Inc. (DC)

Hello, IC SYSTEM, a Collection agency, did not contact me prior to submitting my information to Credit Bureau or to inform me of my account in their agency. 

I was not aware of the pending complaint until I received an alert from my credit bureau dated XX/XX/XXXX. I then proceeded to get the contact information from the credit bureau to be able to contact them. I called IC System on XX/XX/2021, and requested them to send the information on file. I finally received a Validation letter on XX/XX/2021. 

After several phone calls, I came to find out I was not aware and not informed of my collection status. 

The damage on my Credit report made me lose a position on the last process of hiring and also an opportunity to refinance my loan.
Consumer complaint received 2021-02-01
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 repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by XXXX XXXX XXXX. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.
Consumer complaint received 2022-04-02
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. (MI)

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 XXXX XXXX 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-04-27
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX  XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched CFPB USAA RESPONSE dated XX/XX/XXXX CONFIRMS NO CREDITS PROVIDED. Ms XXXX Confirms USAA HELD ME LIABLE FOR {$470.00} XX/XX/XXXX. One month later XX/XX/XXXX See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX COMPLETED INVESTIGATION CONFIRMS UNAUTHORIZED TRANSACTIONS. USAA HAS NOT PROVIDED THESE CREDITS. Kindly Note all the CFPB responses claiming CREDITS WERE PROVIDE BUT NEVER NEVER GIVE DICUMENTATION OF STATEMENT PERMANET CREDITS APPLIED BECAUSE THEY LIED TO CFPB Clearly usaa held me liable since XX/XX/XXXX for UNAUTHORIZED TRANSACTIONS. See attatched USAA review of these fraud charges *REVIEW OF YOUR CLAIM IS COMPLETE* XX/XX/XXXX ( No Fraudulent Activity Found ) After Review of Your Claim. USAA IS DISHONEST DOES NOT RESOLVE FRAUD. LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS. USAA HAS COLLECTED ON AND DESTROYED MY CREDIT FOR THESE UNAUTHORIZED TRANSACTIONS.
Consumer complaint received 2022-04-27
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$600.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Card Receivables Fund Incorporated (IN)

In my phone call to UNIFUND CCR, LLC on XX/XX/2019 at approximately XXXX EST to settle an open lawsuit against me, the UNIFUND CCR , LLC representative stated that the default judgement was being processed. When asked to clarify as I was entitled to 20 days from the date of receipt of the notice before a default judgement would be issued, she repeated the same phrase again. 

As I am entitled to 20 days from the date of notice to respond to lawsuits before a default judgement is issued, and the date of notice was XX/XX/2019, on the date of the phone call, no default judgment could have been being processed. Therefore, their agent used false or misleading representation and violated the FDCPA.

The Federal Debt Collection Practices Act 807 ( 2 ) ( B ) states clearly that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. [ ... ] the following conduct is a violation of this section : the false representation of - [ ... ] the character, amount, or legal status of any debt ''.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TN)

I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX If you are a JPMorgan Chase customer be aware!!!!!! I was a victim of a non-authorized wire transfer within my JP Morgan Chase banking account. JPMC bank is refusing to help me get my {$9200.00} that was fraudulently stolen from my account because they say there is nothing they can do, that the $ was NOT stolen from them-JPM Chase but from me personally. I have spent numerous hours, time & effort dealing with the Chase Claims department, Chase Fraud, Chase Wire Fraud, Chase Customer Claims Specialists, Chase Wire Fraud Recall Department, Chief Fraud Department, JPMorgan Chase branch Complaint Escalation Group, etc. Each department transfers me - more like passes me off to the other/next department and NOTHING HAPPENDS!!!! They are treating me like I am the criminal and not the VICTIM. I have had the only $ that I had, STOLEN from me within my banking system that I have had for years by someone who was able to clone several of the banks XXXX # XXXX and present themselves as a JPMorgan Chase Bank employee of the Fraud department and my bank-JPMorgan Chase, wont help me. I went to the Bank on XX/XX/XXXX because you cant just walk into your bank anymore, you have to make an apppointment and none were available on XXXX, they closed the account, and talked to several people, and the banker told a co-work that it happened again, more Chase XXXX XXXX XXXX are getting cloned, they are getting better., meaning these criminals and that JPM Chase banks are aware of this. I was also informed that we were the XXXX account in the past 2 months to be compromised, victimized, financially XXXX. I DID NOT give this criminal my information, he somehow obtained it. I DID NOT authirize a wire transfer transaction and my bank allowed this to happen. 
Ive filed a police report on XX/XX/XXXX and still waiting for a detective to take my case. DO NOT become a victim like me and GET OUT of JPMorgan Chase as fast as you can!!!!! I WILL get my {$9200.00} back even if it means I have to live on the streets. I am so tired of these huge companies worth BILLIONS & BILLIONSs of $ getting away with these actions!!!!!
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (MO)

Following a misleading advertising from XXXX, I requested and agreed to a XXXX subscription totaling {$410.00} made payable in XXXX installment. They make it looks like you pay monthly and i thought i was committing to 1 month subscription. Also they advertise a 3 days cancelation policy. I called to cancel XXXX after the subscription. They replied stating that terms don't apply and sent me to a debt collector RFGI ref # XXXX. There are hundreds of complaints online about XXXX service misleading advertisement. My bank refunded me but i had to pay today again since i don't want my credit score to be impacted ... is there a way to fight them and at least to protect future customers?
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MS)

This Speedy Cash  Loan Was Supposedly To Have Been Granted On XXXX, 2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

Returned items purchased from XXXX are showing as Refunded in both my XXXX and Paypal accounts however these charges are not being credited from my Paypal account balance. Subsequent statements show that refunded items still shows up in the balance that I still owe. As a result I still have to pay for items by the expiration date even though these items have already been returned, the same issue I'm having with XXXX and Synchrony Bank ( case #  XXXX ).
Consumer complaint received 2022-04-27
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-29
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. (TX)

XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute
Consumer complaint received 2022-09-18
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. (OH)

There are fraudulent inquiries on my credit report. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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. (MI)

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 XXXX XXXX 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  XXXX XXXX ( Original Creditor : XXXX DTE ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2021-07-09
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: Navient Solutions, LLC. (MD)

Between the Department of Education and Navient my loans were sent to XXXX  my student loans are at a XXXX balance with XXXX  on my credit report.

My score went from fair XXXX to XXXX poor over night 41 XXXX XXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt.

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP?

XXXX  IS GOING ON ... ..
Consumer complaint received 2020-09-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Opened Promo account in XXXX and have been trying to fix spending hours each day. XXXX is all I dealt with and she does not read or know anything. Today XXXX shes says i need restatements which she set up but didnt tell me i need to do it from us bank app too.
Consumer complaint received 2022-04-27
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX, I opened a savings account with Citi Bank. I gave them {$10000.00}. They immediately took my money, then closed the account. The reason is because my mailing address could not be verified as residential. There are offices on the bottom floor, where I receive mail and 11 floors of residential apartments on the top. Citibank claims this is the address for XXXX XXXX XXXX, which is actually across the street, in a different building complex. 

This is fine. However, I want my money back. They have refused to give me my {$10000.00} back since then. They asked me to sign documents. I did that in XXXX, XXXX. I never received a check. They asked me to do it again in XXXX. I did. I called them. They said they would mail a check to me by XX/XX/XXXX. They did not. Every time I call them, they don't understand the situation and get the details wrong. Their call center people are not primary English speakers and reside somewhere in XXXX XXXX. I'm having a hard time getting my money back and am in financial straits. This is very much affecting my ability to pay rent and I am being charged late fees and interest and I had to withdraw $ XXXX from my Roth IRA, which Citi will not reimburse me the fees for. This has costed me a lot of money to deal with their mistakes. 

Also, I never once received an email or mail acknowledging that I have an account with them or that they took my {$10000.00}. To this day, I have no information about account with them, although when I call them, they see that they took my {$10000.00} on XXXX XXXX, XXXX. 

Thank you.