davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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: EdFinancial Services (KS)

Someone took out a student loan from Ed Financial in my name, XXXX XXXX XXXX address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX XXXX XXXX. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college XXXX hours from where I live, when there are XXXXXXXX XXXX  colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Consumer complaint received 2022-06-19
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. (PA)

The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number XXXX
Consumer complaint received 2022-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I have had a number of issues with this bank since they acquired my mortgage from XXXX in late XXXX. They stopped my escrow account and stopped collecting home insurance and I had to assume payment of it for a bit. I had to point that mistake out to them. Their Insurance department is totally incompetent. During this time, their insurance department sent me a letter asking me to get the Insurance policy information on the building for them. I reached out through social media and said that I am not doing their job for them. I gave them the contact information for the property management company and told them to do it themselves. I live on the top floor of my building. It is a cooperative building, so I own shares but not the actual unit. I had leaking in XXXX which the building poorly repaired, so I had to pay to fix the repair out of pocket. I reach out them that now in XXXX that I have mold. They told me that the Insurance and Legal department told them that it is not the bank 's problem. I am required to have insurance on the unit while my mortgage is in place and they want the building 's insurance policy but do not care that the building is not being maintained. I am attaching the mold violation that the city put on the unit. They should have at least sent me the building 's policy information so I can file a claim. I want nothing to do with this bank. If I did not care about my credit, I would stop paying the mortgage as I am in a building with mold. I honestly want them to stop having people to call me, just to act like they care. I propose that they sell my mortgage or I will just sell my apartment to end this relationship. It literally makes me sick each month when I have to pay my mortgage to them. They are the worst financial institution that I have deal with in my entire adult life and I am XXXX!
Consumer complaint received 2022-06-19
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. (FL)

XXXX XXXX XXXX XXXX are you aware of the prosecution The CEO, CFO, Executives or any agent of XXXX XXXX XXXX XXXX will face? The Internal Revenue Service ( IRS ) will be forwarded this letter upon thorough investigation of XXXX XXXX XXXX XXXX deceptive business practices and all the misleading information XXXX XXXX XXXX XXXX has provided to an Consumer, it is unlawful of all your business practices. I am aware of this transaction and you failed to comply and provide full disclosure that my car is 100 % paid for. XXXX XXXX XXXX XXXX will be held accountable believe that as a federally protected Consumer, my rights have been violated.
Consumer complaint received 2022-06-19
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. (PA)

Acct. name - XXXX  XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2022-06-19
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. (GA)

I am a victim of identity thief and although I have taken the proper precaution to prevent this from happen in the future by ( freezing all 3 of my credit reports and placed a fraud alert on all 3 credit reports ) the following inquires were not made by me nor did I give consent for my credit report to be accessed. Please delate the following inquires : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On Wednesday, XX/XX/2022, I received XXXX ( XXXX ) e-mails from PayPal ( XXXX ) stating the following : " You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. 
If you have funds in your PayPal balance, it will be held for up to XXXX days. After that, well email you with information on how to access your funds. '' I also received XXXX ( one ) e-mail from Venmo stating the following : " XXXX XXXX, Your Venmo account has been frozen due to recent activity that triggered some security alerts. 

You may have received a separate email from Venmo with more information. If you have questions or want to reactivate your account, please contact Support here. 

Thanks, Team Venmo '' I have been blocked from access to the accounts and the funds reserved in them. I have contacted both PayPal and Venmo regarding this time-sensitive matter but have not received a response regarding the reasoning for the restrictions nor any information regarding how to appeal any decisions.
Consumer complaint received 2022-06-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX. XXXX, IN Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX LABS, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AUTO, 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-19
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. (NJ)

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX Bank # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

On Saturday XX/XX/XXXX, around XXXX XXXX, I received several emails from Wells Fargo saying that my " application had been received '' to " open my account '' - I did not apply for an account. I looked up to see if this was a scam, and saw that Wells Fargo had gotten in trouble in XXXX with regards to this behavior, for opening accounts for people without their knowledge or consent.
Consumer complaint received 2021-12-09
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. (MD)

i am extremely upset. i sent in a dispute on my behalf well over 60 days ago and present this day which is XXXX nothing has been done. i also noticed that they have not updated my consumer report with any indication that i have been disputing the items on my consumer report. my first dispute dates back to XXXX of XXXX and still my report indicates nothing that i have disputed this negative information which is the failure to communicate that a disputed debt is disputed. with that i am requesting that the items be removed from my consumer report and an updated consumer report showing that be sent to me. i would very much love it if the consumer reporting agencies do the job that they have assumed the position to do. Also i never provided them with the written instruction to put these accounts on my consumer report, they did not have permissible purpose. my report also shows these accounts are collection accounts but have a balance, which is not even possible. at this point i notice that the consumer reporting agencies are throwing anything on my report as long as they are getting payment to do so.
Consumer complaint received 2022-11-02
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: U.S. BANCORP (DC)

There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2022-06-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Inquiries were removed and re added without notice or reasoning. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

My initial call was because my XXXX XXXX account was negative and I didn't know how that happens there was a transaction on there that was dated for a certain day and time that I can prove I wasn't at the place. I begged I pleaded and I told these people not to deactivate my debit card. That's the card that's attached to the checking account on which I did ask them to block a merchant I did not ask them to deactivate that card at all and I need to make this very clear that multiple times I talked to multiple different employees and every time I told them do not deactivate this card I just want to block the merchant but they went and deactivated the card anyway. All I got from them was the first name of the man who deactivated my debit card and I don't even know why because it was already handled! And the woman I literally again literally begged not to shut that card down. Thank God that woman was incompetent because she shut the wrong card down which just so happened to be the card that needed to be shut down. But my complaint is my debit card was canceled after I had specifically said not to do that for no reason whatsoever now I have to figure out how I'm going to get my refund put into my account because they shut down the card it was attached to like I explained to them. This bank is junk their customer service has no clue about the banking laws.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (WA)

I have a credit score over 820 and have been with Discover since XXXX 

I contacted discover Bank early in the morning to ask questions about their checking and savings promotion. An agent confirmed that I had never had a discover Bank account, she did notice my discover credit card and discover XXXX XXXX account. She noticed that the address on file was incorrect and asked me if she could update it. She then repeated the address correctly back to me reflecting my XXXX address. 

Later in the day I applied for the savings account online myself with promo code XXXX, and a request to find the account with {$25000.00}. The application was denied. I called into customer service ( XXXX XXXX in XXXX ) that was told my address was wrong, and I would have to submit an entirely new application. 

I thought this was completely ridiculous however supervisor XXXX ( rep ID XXXX ) assured me that the original application was cancelled and that we should try again after update my address apartment to the second line on my credit card file. I update this. I AGAIN submitted an online application for the savings account with funding deposit if {$25000.00} and promo code XXXX. This was again, denied. 

XXXX suggested that we try an application over the phone with her. She submitted a 3rd application with the same promo code, XXXX, and a third time it was denied. 

XXXX also mentioned that the rep form the morning did NOT update my address as she had indicated she had. 

I have spent more than 2 hours in the phone with Discover, and I still do not have an account or a solid reason as to why my application is being denied.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did numerous disputes with Equifax about items/inquiries on my credit report that did not belong to me. Equifax falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Equifax remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections 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 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I contacted Wellsfargo card services in attempt to settle and resolve a previous closed account that had been charged off with a owed balance still remaining. On XX/XX/XXXX I spoke with someone and negotiated a settlement in the amount of {$370.00} and agreed to pay this amount in full on that same day. I used my bank debit card to pay the amount off IN FULL in the amount of {$370.00}. In return I asked they send me a receipt showing the balance had been paid and so they did also I was advised they would report to the credit bureau that the account had been settled and paid and it would be removed from my credit report. On XX/XX/XXXX I received a confirmation settlement letter from them stating the account had been paid off. I reached out that day and asked they again remove it from my credit report and I was advised it would be done. Fast forward to XX/XX/XXXX it is still on my credit as a negative impact and I again called and asked for them to remove it, I was assured it would be done. Its been over a month and my credit report is still showing a negative impact because of this credit card and its also not showing paid off when I have a receipt from Wellsfargo dated XX/XX/XXXX and also a settlement confirmation letter dated for XX/XX/XXXX saying its been settled and paid and I also have bank statements showing where I made the payment and it cleared my account. The confirmation number for the transaction is XXXX and the authorization # is XXXX. This is hindering me from purchasing my home even though I PAID THE DEBT OFF. This is unfair and not right. I need this removed off my credit asap. I have all the proper documentation from Wellsfargo sent to me showing its been settled and paid.
Consumer complaint received 2022-06-19
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. (SC)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-06-18
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. (MD)

I find this explanation on XX/XX/22 to be unacceptable by Equifax. 
Since credit was denied, I want a copy of their credit report on me. 
They reported the information and XXXX XXXX denied me credit, now Equifax is saying otherwise. 

I want a copy of their credit report mailed to me. 
I do not know what the codes XXXX, XXXX, XXXX, XXXX are, Equifax reported a score of XXXX! 

XXXX XXXX