davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I'm filing a complaint against XXXX, XXXX, XXXX, I.C. System Inc., and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXX XXXX  whenever I switched carriers from XXXX to XXXX XXXX. I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX proved that when I opened the account with them, they didn't see any balance owed AND the IMEI was in good standing. Also, when I traded in this XXXX XXXX  to an XXXX Store, the IMEI was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's IMEI in good standing, as well as the receipt for my traded XXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX Is in direct violation of Fair Credit Reporting ACT 15 u.s.c 1681. This company needs to be held accountable for the violations which has impacted my life in the biggest way.
Consumer complaint received 2022-03-23
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. (OH)

In accordance with the Fair Credit Reporting act Convergent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, XXXX, XXXX and Equifax has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX XXXXC 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report XXXX
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. (NC)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I did a mobile deposit to Wells Fargo on the XXXX of XXXX they released XXXX of it I woke up this morning to being in almost XXXX in overdraft. I called Wells Fargo they said when they presented the check to XXXX  XXXX XXXX they didnt ok the funds to be released. I contacted XXXX they said the check is good on their end and didnt place a hold or refuse it. So Wells Fargo is lying and he saying they will release it in 7 days. Now I have overdraft and charges coming thru. Someone is lying.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

My uncle from LA ( US ) sent me $ $ $ using xoom yesterday, I've been visiting the designated agents like XXXX, XXXX, but they are all having the same feedback on me which is ( transaction number not found and their system don't receive the remittance transfer yet ) tho my uncle already successfully sent it yesterday. We need the money asap because of emergency. Please help us. Frustrating. 
Sent date : XX/XX/2021 XXXX USD
Consumer complaint received 2022-08-08
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. (TN)

These are unauthorized inquiries. It annoys me and gives me a lot of stress whenever I see them on my report. This causes me a lot of stress.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX consistently does not report accurate information. The current balance is {$11000.00}. this needs to be updated and I will continue to complain until they do what is promised in the contract and consistently update paid status. This company is not a listed company on the credit union complaint site. Their information is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX
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: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-03-22
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. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
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. (NY)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2020
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: COMMERCE BANK (MO)

My Commerce bank Exceptional Cashier 's checks processed from and XXXX tax form owed to me for one year XXXX XX/XX/XXXX to XXXX XX/XX/XXXX from Commerce bank, not letting me know when they sent the Exceptional Cashier 's checks payable to me. I want to alert me when they have sent them via email. XXXX XXXX cashier 's check should have been mail printed XX/XX/XXXX and mailed on the XX/XX/XXXX in the amount of {>= $1,000,000}.
Consumer complaint received 2019-03-25
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. (NJ)

Currently on all XXXX and Equifax my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. 01 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-03-23
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)

Made a payment on XX/XX/22. 
Was advised to make a payment of {$50.00} Received confirmation email of payment Later received an email that I owed {$1.00} AFTER a payment has already been made Called today on XX/XX/22 at XXXX AM EST To make the payment and get clarification on WHY this issue happened. 
Informed both reps that this is now the FIFTH time Navient has played with a payment, and I asked to have the loan cancelled, as it is nearly 100 % paid off. 

A copy of the email I sent to Navient, after they continued to lie about payments : " XXXX XXXX XXXX, Please disregard the previous email. I have taken a look at the document that was sent, and that response is not appropriate to the actions in which your company, Navient, has taken. Navient has proven that they can not be trusted to tell the truth when it comes to processing payments, or honouring contracts, and as such I do NOT accept the response that was given. There is no way, that XXXX payments = the amount of the loan, when in reality, the loan is actually paid off, and I am paying the PRINCIPAL aka the INTEREST on a {$2600.00} ( rounded ) predatory loan. I am not sure who I would have to speak to about this, but I will not and am not accepting such an impersonal and robotic corporate response. I want this loan completely cancelled, and I will not accept anything less. Since I keep and have kept my word and have paid on time for the past 2-3 years on this loan, you as an individual and your employer should do the same. 

In fact, I would like everything in writing, including the original term of the loan, and the ACTUAL rate on this loan. 

I am very familiar with the fact that your employer is currently facing severe legal action behind tactics such as the one that you tried to pull with me for the SECOND TIME. 

Please read up on what is happening with your corporation : Updates on Navient lawsuits Navient Student Loan Borrowers Navient Deceptive Student Loan Practices Navient Multi-State Lawsuit Settlements Navient Student Loans to be cancelled Also, it is interesting that the institution that loan was for ( school ) has been shut down, for predatory practices as well. 

XXXX XXXX XXXX XXXX XXXX and other for profits closing XXXX XXXX XXXX XXXXXXXX I am not sure what game you are playing, but it is disheartening to know that your corporation cares more about putting people ( and keeping them ) in debt. I am NOT one of those people. This loan WILL get cancelled. ''
Consumer complaint received 2022-08-23
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: Merchants Adjustment Service, Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-08-01
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. (TN)

My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! Equifax has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now EQUIFAX has added XXXX XXXX XXXX Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from Equifax? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!! 
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS EQUIFAX BUT ENABLING THESE BLOOD SUCKERS!!!! I want THESE LIES REMOVED FROM MY CREDIT!!
Consumer complaint received 2021-05-05
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. (GA)

I am an XXXX XXXX victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Penn Credit Corporation (CT)

On Sunday XX/XX/2018 I received a call from Penn Credit Corp at XXXX. Which is a debt collector attempting to collect a debt in the amount of {$800.00}. On behalf of the energy company XXXX, whereas I also feel and know I don't owe that much due to service being for short period of time. I'm filing a complaint because this isn't the first time Penn Credit Corp attempted to contact me on a Sunday. Not to mention the automated recording asked how would I pay the debt, and if I would like to contact them during business hours. Stating they weren't even open if I wanted to discuss the matter.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (VA)

XX/XX/XXXX - initiated a transfer from Chime Banking to my own XXXX XXXX account Will take 5 days per bank, XX/XX/XXXX - Still did not receive payment, called XXXX XXXX to verify, deposit was never made, called Chime to start dispute XX/XX/XXXX- I called Chime about escalation XXXX XXXX Received email saying my claim was denied. 

XXXX XXXX Requested documents stating why my claim was denied, Received an email with document, link did not work XXXX XXXX Called Chime to reopen claim and sent personal bank statements for proof showing no deposit was received. 
Rebuttle documentation received XX/XX/22 XXXX XXXX Another email received stating they received my documents XXXX XXXX Opened another ticket for dispute, supposed to send documents to my home which I have never received.
Consumer complaint received 2020-03-13
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)

Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian presented 2 separate company reports, 1 auto, 1 overdraft as a single loan and used this forged information to drop my credit score XXXX  points for use of an overdraft account with a {$600.00} limit, attaching it to a totally separate auto loan with a different company to make it seem that I was over using my credit at a rate of 102 % above its capacity when in fact the auto loan is 2/3 paid off. The overdraft bank has nothing to do with the the auto loan and failed to advise me that I would be charged {$2.00} for every {$100.00} of use it advanced me from the overdraft account. So it immediately sent the account over the limit of {$600.00} just for using the account. {$250.00} was paid a week later, and the rest paid off on XX/XX/22. So for using so called credit for less than a month am I not only manipulated out of money but my credit score was dropped XXXX  points almost over night. Beware of XXXX XXXX XXXX XXXX and their so called help.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have sent several requests asking that the personal information on my credit report be updated. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX