davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

My Wells Fargo credit card account was closed withouht any warning. The car was was an always had been in good standing with the bank. I had ALWAYS made payments on time. I spoke to 6 WF reps on XX/XX/12 regarding this matter. Wells Fargo credit card services even verified that my account was in good status. I was told that my card was closed because I had another account that was closed years ago by Wells Fargo was not in good standing. ALL of my credit card rewards were erased. I was never warned that his may happen. I have been robbed of all of my rewards.I feel that Wells Fargo has tricked me and closed my account simply so they can continue to add illegal interest on my account. I was deceived and prayed upon.
Consumer complaint received 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I took out a loan in 2006 and have paid over {$18000.00} on a loan disbursement of {$10000.00}. They just notified me of another payment adjustment ( unknown why, none of the reasons fit my situation ), but on the notice they state total repayment is {$17000.00}, which I have exceeded. Their site shows total interest paid of almost {$13000.00}, but my balance is still higher than original distribution of {$10000.00}. They can not provide me a thorough accounting of payments and my payment history online indicates principal paid of {$5700.00} and loan term of 120 months. Have paid on this loan for 10 years this year. The accounting seems 100 % fraudulent. This demands a thorough investigation and consumer protection to provide how my most recent notice of payment change still shows I owe another 114 months.
Consumer complaint received 2022-10-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted Equifax on XX/XX/2022 after I noticed both inquiries from XXXX. XXXX  XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX  who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.
Consumer complaint received 2021-08-03
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. (OR)

Dear Equifax, According to the Fair Credit Reporting Section XXXX ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. However, you did not provide proper verification the last time I requested this verification. You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card P Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks!!!
Consumer complaint received 2022-10-23
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. (CA)

I noticed some hard inquiries on my credit report. I contacted the credit bureau fraud department today, on XX/XX/2022. I informed them that i have XXXX hard inquiries that were unauthorized. They did not help me at all.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$840.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-08-03
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: EdFinancial Services (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THESE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EdFinancial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (WA)

I HAVE BEEN TRYING FOR OVER 2 YEARS TO REMOVE A FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE. THIS FRAUDULENT ACCOUNT WAS OPENED IN A DIFFERENT STATE AND IT WAS CHARGED IN A STATE WHERE I DON'T LIVE. I HAVE BEEN TALKING TO DISCOVER BANK AND XXXX TO HAVE THIS FRAUDULENT ACCOUNT REMOVED. THE CHARGES AND THE ACCOUT ARE FRAUDULENT. UNFORTUNATELY FOR ME DISCOVER WILL NOT PROVIDE THE ADDRESS THAT WAS USED TO OPEN THIS FRAUDULENT ACCOUNT. I FEEL LIKE THERE ARE PROTECTING THE THEIF BT NOT HELPING THE VICTIM.
Consumer complaint received 2022-09-29
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: JPMORGAN CHASE & CO. (IA)

This is the XXXX time reporting the same Chase account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that Chase was reporting inaccurate information and removed the account from my report. 

XXXX and XXXX have refused to do anything about it. There are so many differences between what XXXX and XXXX are reporting. 

According to XXXX, XXXX and Chase, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late XXXX 120 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 30 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX 60 days late XXXX 120 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late Date of last payment. 
XXXX XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (MS)

I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

I started receiving bills from the XXXX ( XXXX # XXXX ) company for which I had never opened any account, nor ever received any services from them at my XXXX XXXX, MI address. I phoned them on 4 different occasions to remove this from my name. Each time they researched that in fact I did NOT have any of their equipment and there was NO activity noted on this account. Each time they agreed to remove this. Then I received a notice from the Credit Management Company ( XXXX # XXXX ) about this amount past due of {$180.00} and charges for ending my " contract '' early. I phoned them immediately, shared the same information and they agreed to stop action on this and communicate with XXXX about it. I then receive notice it is a new collection account showing up on each of the 3 credit reporting agencies records. I phone XXXX XXXX more times about this, I have dates, names, etc. They agreed to credit this account to XXXX and apologized for the issue. They also agreed to make sure the Credit Management , LP company would make this right and it would be removed from my records. As of this date, I have put in disputes with all XXXX credit agencies, and XXXX keeps confirming it is my account, WHICH IS INCORRECT. But When I call them, they agree, It should be removed from my name. I have never had an account at my home address with this company and I have tried more than enough to set this right. It is absurd at this point that they have marred my credit record by reporting about an account I never had, started, opened, or used, EVER. I DO NOT KNOW what else to do at this point. They agree it is an error each time I contact them, but it has not been removed from my credit, which is effecting my credit rating and causing very serious issues for me. I don't even understand how they are getting away with this. It has to be ILLEGAL. I need them to make this right and remove this account from my name and credit accounts IMMEDIATELY! This started in XX/XX/2022.
Consumer complaint received 2022-10-23
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: CITIBANK, N.A. (MI)

Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,
Consumer complaint received 2022-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (VA)

Good evening, I would like to ask you to start investigation on accounts that I have in my profile. The point that these accounts are not mine and have never been mine. They appeared recently and I do not know their origins. Its identity theft and I am very sad about this situation. I want you to check them and to figure out what happened. Also I do not want to see them so I ask you to delete them. Thank you I will appreciate it
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (FL)

I am kindly asking you to investigate my case because I found accounts that are not mine and I do not know what to do about it. I know that sometimes bureaus posting misleading information without even checking however this misleading information just killing my report. Please remove these items after you check and investigate because its pure error or identity theft.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I the consumer and the natural person was denied credit, by Chase Card Services when I applied for a new XXXX XXXX XXXX XXXX account. 

Adverse action against a consumer is Against the Law according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

they are subject to criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase Card Services due to the response I received. 

Chase Card Services is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase Card Services.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax/XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from EquifaxXXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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: SYNCHRONY FINANCIAL (TX)

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2023-01-27
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (LA)

Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against Exter Finance and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.