davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}
Consumer complaint received 2021-05-26
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. (FL)

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-26
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. (PA)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, snd XXXX XXXX XXXX. Also please remove the following incorrect addresses : XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX, PA XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-07-27
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. (TX)

I have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}
Consumer complaint received 2022-03-26
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. (UT)

hello. i have tried to fix my credit with equifax serveral times. i even had a my mortgage comany reach out to them and try and fix my credit. yet they still will not fix it. i have gone threw several times and sent them all my information drivers license and social security copy and i have wrote letters and they still will not fix it. i need this fixed so i can do normal things without my XXXX having to co sign for me cause they can pull XXXX of my scores but not my thirs score. it has hindered my life and if this does not work i will need to take legal action and get representation. 
i have been dilligantly working on this for the last XXXX years. I have no improvment thus far. 
I can not attach files as all the files i have sent include extremly sensitive information. if it needed please reach out to me and i will directly send them to you thank you.
Consumer complaint received 2021-05-26
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)

On XXXX, I check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2018-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I sent a letter by mail on XX/XX/2018 to dispute information on my credit report to Equifax. Equifax has not responded in any way. I can not access any information at all from their website. It always states, " Your information does not match our records. '' I sent Equifax a copy of my driver license, a copy of my social security card and information regarding the dispute in question. This is the 3rd or 4th time I have disputed this item on my credit report. Equifax typically sends me an email with the results, but will not let me log into the website. The website perpetually says, " Your information does not match our records, '' Even though I am answering all of their questions accurately according to my credit report.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have requested via certified mail and green return receipt, a reinvestigation of this inaccuracy of an account being reported. Ive requested that all documentary evidence used to validate this account be provided to me. 
Pursuant to 15 USC 1681e XXXX and Transunion failed to comply with federal law. 
Instead of updating this account accurately to paid in full, both CRAs have stated that the creditor has verified the reporting status of this account. I am the original creditor the only person who can validate any allegation.
Consumer complaint received 2022-03-26
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: CUSTOMERS BANCORP, INC (CA)

Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and SSN. He opened a credit card account at CUSTOMERS BANK last XXXX, another one from XXXX last XXXX, and another from XXXX XXXX XXXX  last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (FL)

My account was access, identity was stolen, my personal information was changed, and my money was spent without my permission. I was on the phone with the Chime fraud department while two transactions were processed using my card information at a XXXX XXXX in XXXX, while I live in XXXX. 

I contacted Chime about the issue and they cancelled my account, refused to reimburse me for the money spent from the account, and also flagged my social security stating that Id never be able to do business with them again. 

I would like my money back and an explanation detailing why due to a security breach on their end I am being blacklisted from their services. I have had this account for over 3 years, and the fact that they terminated business with me due to no fault of my own is concerning and a bad business practice.
Consumer complaint received 2022-09-24
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. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XXXX XX/XX/2022 i made a purchase with Paypal account in the amount of {$1300.00}. On XXXX XX/XX/2022 Paypal double charged my bank account under two diferent checking accounts for the same transaction. On XXXX XXXX and XXXX XXXX I contacted Paypal customer services and made them aware of the issue. Paypal has acknowledged their mistake however to this date they have failed to returned the over charge of {$1300.00}. I have contacted XXXX XXXX XXXX XXXX and initieted a claim to disput the doble charge.
Consumer complaint received 2022-09-24
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: FAIR COLLECTIONS & OUTSOURCING, INC. (OK)

I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. 
See attached.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Over XXXX were withdrawal from my bank account, on XX/XX/2022 by a wire transfer I did call at the same moment I got the phone notification, but I was on the phone for over XXXX minutes before someone was able to see my account, their only action is asking me to change my username and password and wait 10 days the 10 days went through yesterday today ( XX/XX/2022 ) I called them and they said the transition was done from me and not returning my money this is unbelievable an hurting my financial in big manners.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2022 I was at the register of my local JC Penny, located at XXXX XXXX XXXX XXXX Ma, when I was asked by a JC Penny associate to open a credit card in order to save 35 % off my purchase. I already had an online coupon for 25 % off my purchase when I asked if it was IN ADDITION to that coupon. I was informed by TWO associates working the counter that it would indeed be an additional percent off NOT one or the other. I then made a decision based on this information to go ahead with opening up a credit card. I gave all my information, ie salary, SS number etc. electronically through the register. Upon completing I was approved, and handed the receipt. I questioned the amount charged to the new credit card as it was not the math I had done in my head. The JCPenny associate called over the manager when I was informed that I could only use one discount hence the larger amount now charged to my card. I explained to the store manager the only reason I opened the account was for the discount and the opening of the credit card was under deceptive terms. There was no resolution to this mess as I now had to close a new card I didn't really want and never got the discount on merchandise as promised.
Consumer complaint received 2021-05-26
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: TRANSWORLD SYSTEMS INC (NY)

There is a fraudulent Trans World Systems account on my credit. This account is not mine and I am requesting the deletion of this account from my credit. Please remove it ASAP as it doesnt belong to me.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

A bad report was listed under Experian Credit Score. We disputed with Experian. We contacted the filer of the report, XXXX XXXX XXXX ( or according to person the actual name is XXXX XXXX XXXX ). Experian report shows entity name as XXXX XXXX XXXX. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with Experian agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from XXXX XXXX XXXX. 

Thank you
Consumer complaint received 2021-05-26
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. (NJ)

Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company XXXX XXXX XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this XXXX  which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in XXXX and the XXXX  XXXX my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (GA)

I am a consumer of the United States of America Corp. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

We were with XXXX XXXX for Auto Insurance when I was involved in an accident XXXX. About a block from our home, a pizza delivery driver backed out of a neighbor 's yard ( not driveway ) as I was driving ( with a passenger ) by on the way home. I did not see them until just as we collided. I did everything to avoid the collision and ended up stopping my car on the left shoulder of the street after collision. The Deputy gave the pizza lady a ticket and said it was plainly her fault. My Friend that was riding in my car confirmed the fault was strictly the pizza driver, of which she moved her car trying to change the situation. When XXXX XXXX was allowing the fault to be a small part on my responsibility, we vehemently disputed it and changed insurance companies to XXXX, who gave us a better rate. We had been with XXXX XXXX since XXXX! 
Now XXXX has raised their rates to XXXX XXXXXXXX for my XXXX XXXX and my XXXX 's XXXX XXXX, which is ridiculous! We want to change to XXXX, since my Husband is a Veteran, however have been told Lexis Nexis shows me partially being at fault for that accident in XXXX and a XXXX incident which was me getting my windshield replaced after having a XXXX XXXX it as I was driving home in a rain storm. We were not aware the windshield replacement was held against us, of which it is not supposed to be. 
I called Lexis Nexis several weeks ago and left a message for a returned call, as instructed by XXXX. They never called me back, however 2 weeks later, I received a letter with information on how to request the report on line, of which I did. Now it will take several weeks to receive the report so we can dispute this. In the meantime, I am still paying XXXX XXXXXXXX to XXXX which is very much a burden since we are living on Social Security income. 
How can XXXX XXXX list me at being partial fault when the facts proved otherwise? How does replacing my windshield also go against my record? In XXXX, a deductible isn't ever charged when replacing a windshield. We both have safe driving records and I have only had one speeding ticket in my whole life, of which I am XXXX XXXX XXXX! What is our recourse? 
Any assistance would very much be appreciated. 
Thank you so much. 
XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-03-26
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: CITIBANK, N.A. (TX)

I was charged {$200.00} on XX/XX/2022 for items not received. I contacted Macys and the company in question on XX/XX/2022. When I was not able to get the issue resolved, I re-contacted Macys on XX/XX/2022 and spoke with XXXX, at approximately XXXX pm cst. When she refused to solve the problem, I requested to speak with her supervisor. I wasnt connected to a supervisor.
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

We have never missed a payment or have been late. 

All payments are set-up and paid automatically. 

Newrez sent us a letter stating we are late and late fees are being assesed. 

NewREZ has no easy contact to resolve. 

We would like the CFPB to step in to resolve this issue.