davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-17
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-07-05
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. (CA)

I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a bank statement that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax did not consider this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. Equifax continues to show an erroneous 30-day late payment for XXXX XXXX.
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I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had one credit product, a XXXX card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the XXXX account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my XXXX  by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided a bank statement to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, this PROVES that my payment was made and was not 30 days late.
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Furthermore, when I click on the " Historical Account Information '' link I see that XXXX  has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says "XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX thru XXXX XXXX. The account was closed XXXX XXXX XXXX, yet Equifax is reporting that it was closed in XXXX XXXX.
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The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
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Equifax is the ONLY credit reporting agency showing this account as 30 days late ( XXXX XXXX ), XXXX and XXXX report this account accurately as " Pays as Agreed/Never Late. ''
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX, XXXX, A XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} Bankruptcy XXXX XXXXXXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXXXXXX XXXX XXXX bankruptcy Reference # : XXXXXXXX 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 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXXXXXX XXXX XXXX bankruptcy Reference # : XXXXXXXX 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 2018-11-02
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: CITIBANK, N.A. (NY)

My husband had opened a citibank checking account approximately in 2001. He had a credit line also on the checking account which I wasn't even aware of. When we married he put me on as a secondary signer. My husband filed bankruptcy and Citibank decided to attack my credit which I find incredibly unacceptable. I don't even work and that's why my husband added me in the first place. I wasn't even contacted which is ridiculously unprofessional. I'm even a customer with several credit cards and a checking account which are all in excellent standing as a loyal customer. I'm disgusted and want to know who did this, who's responsible for this incorrect tarnish on my credit history which I take pride in?!? 
Please help me fix this error : )
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage has been misapplying additional principal payments on our mortgages for the past 20 years. 

We have contacted Wells Fargo Mortgage several dozen times and have requested that our payment logic be updated so that any additional funds received are applied to principal and not to pre-pay interest. We have called to confirm that our standing payment instructions are to to date several times. 

Wells Fargo Mortgage frequently and systematically removes our payment instructions so that payments are applied to pre-pay interest and not to pay down principal. This has occurred on there different mortgage accounts over the last 20 years. 

This issue has occurred twice this year on our Wells Fargo Mortgage. After calling into the customer service center we discovered that our payment instructions have again been deleted.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I called Citibank on XX/XX/2020 to try stop my automatic transfer from checking to savings account. I was put on hold for 30 minutes rep said he was going to be right back and got transferred to another agent. I already went through the verification already with first agent so I asked to supervisor regarding the matter he gets attitude saying I dont know how to do it on mobile app. I explained to him I have XXXX he gets attitude. I told him I am reporting you guys to cfpb and he hangs the phone up on me.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Viking Client Services (GA)

I received a letter from Viking, Inc in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name XXXX XXXXXXXX, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.
Consumer complaint received 2018-11-02
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)

In checking my credit file, as I often do, I found a hard hit from XXXX XXXX on Equifax. I have never requested any financial services from XXXX XXXX. I contacted XXXX XXXX and was advised they had no record of me requesting services from them, and had not submitted a request to Equifax for information on my credit. 
I submitted a dispute and received a notice of response from Equifax, My claim number is XXXX. I tried to review the response and can not access it. I called Customer support, which is useless, they are no help. All I could understand from the call center was the name on my file is not correct and I would need to change my name. All of my credit information is in the name of XXXX XXXX. I have an Equifax account in the name of XXXX XXXX. I put a freeze on my account praying that will stop Equifax from giving anyone any information. I want to know what the answer to my dispute is. This is crazy!
Consumer complaint received 2018-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/2018 I received a call from Navient stating I had a past due amount of {$200.00} and I could set up an auto pay that would bring the loan current and cover my XXXX payment making my next payment at the end of XXXX. I made the payment the next week and thought I set up auto pay and would be fine. Today, XX/XX/2018 I receive another call from Navient saying I am {$400.00} past due and asking for a payment. I explain the situation to the gentleman that called and he immediately starts telling me I have no idea what I'm talking about and he does, I am wrong and he is right. He was very combative with no provocation. I again tried to explain the situation to no avail and asked for a manager. The lady I spoke with was very nice and explained that the payment was incorrectly applied and I was not entered into the auto pay program and that I still owed {$200.00} at minimum. She said that it was my fault my payment was not correctly processed and that I would have to try to set it up again. I have done everything I can to take care of this loan and Navient makes it harder and harder every time I speak to them.
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: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-17
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. (MS)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NC)

I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Discover whom I have been a great customer with them. Discover denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and work with XXXX XXXX XXXX and XXXX. I am a XXXX and XXXX XXXX XXXX as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Discover said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AL)

I have a Chase/XXXX credit card, and the last statement shows 19 charges I did not make to the card totaling : {$390.00}. 
Their customer service dept. tells me that I do owe this and will not explain to me why these charges are on this card, and also that they will sue me for this amount if I do not pay it. 
Can you please, help me resolve this problem. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) XXXX, AL XXXX XXXX
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had untilXX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX  Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -Capital XXXX Partial Acct # XXXX XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (TX)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
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. (AL)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX {$5000.00}
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

The company XXXX XXXX said they sent certified mail and made numerous attempts to collect a debt and thats not true I tried returning their equipment they wont except it and trying to make me pay {$4000.00} for a debt that is {$400.00} they said after the attempts to contact they sent the debt to collections but they never contact by mail at all so they forwarded they account to collections without proper notification and have violated my consumer rights