davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
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. (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 2020-05-29
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. (CA)

Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

My wife passed away XXXX, XXXX, XXXX. Shortly after, I received a bill from Belk Credit Services. Apparently, unbeknownst to me, my wife had opened an account in my name dating back to XXXX. I have never made a single purchase from Belk and have never even been in a Belk store for that matter. I'm certain if they would take the time to check signatures on the application, purchases, and previous payments, they would concur that none of them are mine. I have contacted them. However, they advised me that I am responsible for the balance. I do not have the means to pay this bill and furthermore I don't feel that I should be held responsible for it. I am XXXX XXXX XXXX and survive on Social Security and a small retirement. 

Can you please advise of options in regards to the matter?
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AFNI INC. (MI)

I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.
Consumer complaint received 2019-03-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Navient promised me my Student loan account was set to XXXX.. They text me all month of XXXX to assure me.. But then forward my account to the Treasury Department where they took my whole tax refund
Consumer complaint received 2021-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

So I was buying online items and this one dude that I was buying from told me the Items where clean. So I believed him and we ended up going through the transaction everything went smoothly until, a week later. I basically get banned from this online game also known as XXXX   where many people use USD to buy items. I feel like as he scammed me because he got the items but my account ended up getting banned even when he said the items were clean.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (TX)

I disputed 2 Fraud Accounts on my Equifax Credit Report on XX/XX/2020. Equifax removed the accounts from my credit, but they RE-APPEARED on XX/XX/2020. XXXX  & XXXX  have removed the accounts from my credit report, and have not reported the accounts back. I continue to have problems ONLY with Equifax, they will not remove the Fraud accounts. I have provided an FTC identity theft report as well. Today, on XX/XX/2020. I spoke with Equifax, and explained them the situation. The representative with Equifax stated this could be an overall system error, and asked me to re-dispute the fraud accounts on my credit report. I have attached a new FTC identity theft report, and a formal dispute to Equifax. I faxed this dispute on XX/XX/2020 to the Equifax dispute fax number. 

I am in process of a mortgage at the moment, and this has caused damages for me, not being able to obtain credit due Equifax 's negligence in the dispute process. 

I am now submitting this dispute for the 3rd time, and hope to get this matter resolved soon. I have attached my new FTC identity theft report, and a dispute letter containing the fraud items. 

The complaint & dispute is being monitored by an FCRA attorney.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (PA)

First of all WELLS FARGO still creates accounts you do not ask for, they also create different accounts than you sign up. If I sign up for a business account they sign you up for a completely different account, they enter them wrong for your business to occur additional fees. 

They AUTOMATICALLY give you a savings account and a CREDIT CARD even if you do not want one. Then once you use the savings account if you do not that XXXX dollars they charge you a fee, can you believe it they charge you a fee for your savings account, to do NOTHING! XXXX dollars a month if you do not have enough money in the account! On top of that they change the interest rate at any time you can have 1.5 % and next month zero percent! So they are borrowing from the federal government at zero interest and giving out interest rates of 5 % + to consumers. They leverage the consumers money and never give anything back they should have a set rate not steal from the consumer.
Consumer complaint received 2019-03-03
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: DISCOVER BANK (TX)

Two charge-backs were opened on XX/XX/2019 against Merchant XXXXXXXX  XXXX XXXX ' because this company had engaged in fraud by selling us fraudulent XXXX contracts. We became aware of this in XX/XX/2019 and opened the dispute accordingly. These include Dispute # 's XXXX and XXXX. 

Discover Card is obligated to protect us from this sort of fraud, as it was opened within the two-year time frame. This is also not the first time Discover has failed to protect us as consumers. We are highly disappointed in the level of service we have received from Discover. We are considering withholding future payments on this card balance, since it contains charges that we regard as fraudulent.
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Big City Finance, LLLP (TX)

I was a victim of identity theft and several accounts were open under my information. I filed a police report against Power Finance. I have not received any emails or phone calls to get this resolved. I want this account to be deleted and removed from my files. Please see my police report that contains the date, amount and account information that was falsely opened.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MN)

TSI Transworld Systems Inc. 
on behalf of XXXX XXXX XXXX : Ive never heard of or been to either of these companies and have called and written both. I have continued to receive this fraudulent bill for services Ive never received.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Equifax will not allow me to view my Dispute information now that its finished. I type in my personal information, go through a verification process and they state that they can not verify me. Its me.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 I opened a checking and savings account at my local chase bank. The lady that assisted me Told me that there was a possibility I could get denied after she submitted my application. I was accepted when she submitted the application and deposited {$250.00} into my new checking account and {$50.00} into my savings account. I left the bank happy to have opened a new bank account. Today which is XX/XX/2019 I  tried logging into my bank account and was denied. I called the number offered and was told that my account was being closed due to unspecified reasons. I spoke to multiple people trying to figure out why this happened and if it could be reversed and to no avail they said it was irreversible. My problem is that I was never made aware of the possibility of still getting denied after I was approved. I would have never deposited the amount i did had I known this was a possibility. Now my money is unavailable and to me which is a major inconvenience as I have bills to pay. This was a very unprofessional way for the company to handle this situation.
Consumer complaint received 2019-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.
Consumer complaint received 2020-05-28
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: ALLY FINANCIAL INC. (OH)

I was shocked when I reviewed my credit report and found late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-11-25
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. (TX)

Hello, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Selene Holdings LLC (TX)

Our home mortgage was transferred to a company called " Selene Finance '' located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX, XXXX XXXX. XXXX. 

In XXXX 2020 there was a bad hail storm and we had alot of damage to our roof which required replacement. We contacted our insurance company, XXXX XXXX, who began processing our loss. We contracted a roof construction company, XXXX XXXX XXXX XXXX, XXXX. 

We arranged a construction date and notified Selene Finance of our situation. We then paid the roofer the initial deposit. Because the second check was made payable to my husband and myself AND Selene Finance, we signed the check and sent it for Selene 's processing which we eventually was able to give the new Selene Finance check to our roofer, but we did not receive the final payment for the roof at this time. We requested final payment based upon inspection of good/complete work done. 

To date ( XX/XX/2020 ) we have not received final payment and our roofer still has not been paid for the final payment XXXX {$7500.00} XXXX. We know XXXX XXXX paid Selene Finance on XXXX XXXX, 2020, for this amount, but Selene Finance will not release these funds to us. We have tried and tried to communicate with Selene Finance but we are told " the check is being approved '' which has been going on for over a month. No one seems to be able to help us expedite payment to our roofer. 

We appreciate any assistance you may offer to help us complete this transaction. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX
Consumer complaint received 2021-01-23
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. (NV)

On XX/XX/2020 I sent all XXXX credit bureaus ( Equifax, XXXX, and XXXX ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AAS Debt Recovery, Inc. (PA)

This account was my checking account. This account was hacked and there was fraudulent transactions made on it. It was brought to my attention three days later when I received a letter in the mail that the account was overdrawn. They did an investigation found out where bad checks were used on my account. Then a week later I received another letter stating I have to pay this amount back and totally blamed me! Now they know where it came from no where close to where I live. This account is FRAUDULENT. They would not consider investigation further into it.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

On Thursday, XX/XX/2020 at around XXXX XXXX  ( XXXX ), I attempted to link my PNC account to my XXXX account for the 5th time. The service, XXXX, used to connect them said that PNC blocked the action from happening. After phone calls with PNC, still nothing has changed.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-11-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.