davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2022-09-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (AL)

My name is XXXX XXXX XXXX and I am a victim of identity theft due to the Equifax data breach of XXXX. You have removed 33 of the 38 fraudulent hard inquiries, but I still have 5 fraudulent hard inquiries left on my report that I would like to have removed please. These include the following : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (GA)

I opened the checking account with SUN TRUST bank in XXXX Ga. and Deposted my social security check {$1200.00} on XXXX. On XXXX, SUN TRUST decided that they did not want to do business with me. But as of XX/XX/2019 they have not returned my funds. I/my sister have called and spoke with employees, supervisers, manager and they all respond in casual manner as if, its ok for them to hold my funds for 2 MONTHS!! and not return them. they stated that the fraud deptmt is holding my funds.
Consumer complaint received 2018-02-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (WI)

I had a title loan with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. In a period of 10 months ( beginning XX/XX/2017 ) I paid {$270.00} per month and today I paid off the balance of {$1900.00}. The principal of my loan was only reduced {$86.00} in 10 months. In 10 months I gave them a total of {$4600.00}. This doesn't seem right and I did not understand the implications of my contract.
Consumer complaint received 2023-02-17
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. (TX)

I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness. 

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IL)

I received an email on XX/XX/XXXX stating, " XXXX, it's tax time - your XXXX tax information is now available! View your 1098-E Now! '' However, I have been unable to view or obtain my 1098-E from EdFinancial. The email directs you to a link to login to their website. I am banned from their website because I am in a Chapter XXXX bankruptcy - they revoke your online account. 

Contacted EdFinancial and was told that since my interest for XXXX was less than {$500.00}, they do not have to, and will not supply me with a 1098-E. That is true, they do not have to. However in years prior to my bankruptcy this form was provided to me and I had less than {$500.00} interest in those years. The only difference is that I am now in bankruptcy. 

The email says my form is available. EdFinancial needs to supply it to me. They are discriminating against me because of my bankruptcy status. 

I need the form, and I will take this matter as far as it takes to obtain it.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DE)

I have a student loan that is serviced through Navient that was in active repayment status paid via " auto-pay '' which I have set up through their website. In XX/XX/XXXX I began taking some classes part-time. In XX/XX/XXXX/XX/XX/XXXX, without any initiation on my part, Navient changed the status of my loan to " student deferment '' meaning that my auto-payments were stopped while the loan sits and accrues interest. There was absolutely no communication from Navient that this was happening. I only became aware when I noticed the payments were no longer being drawn from my bank account.
Consumer complaint received 2022-09-20
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. (GA)

I have disputed several incorrect items on my credit report plenty of times, but the items have not been removed from my report. Ive also sent in letters to dispute those items Ive called and try to get them to remove the items over the phone of disputed online also but nothing ever seems to work out for those items to be removed.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (MD)

Remove inquiries XXXX XXXX  Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Address XXXX XXXX XXXX XXXX, OH XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

CHASE CLOSE MY XXXX VISA SIGNATURE CREDIT CARD THIS ACCOUNT ENDING IN # XXXX ON XX/XX/XXXX TH AFTER I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES TO SEE IF MY ACCOUNT WOULD REOPEN OR STAY CLOSED. MY ACCOUNT FOR THIS CREDIT CARD IS NEVER LATE ON PAYMENTS SINCE ITS BEEN OPEN ABOUT 6 MONTHS NOW. THIS ACCOUNT HAS NEVER BEEN LATE. WHY WOULD CHASE TARGET MY ACCOUNT FOR CLOSURE?
Consumer complaint received 2019-11-13
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. (FL)

I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX except a checking and savings account.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows that I have not agreed to purchase. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I am a consumer with Wells Fargo bank. I made a purchase with a out of state XXXX XXXX furs. The merchant mailed me four fur jackets of which two were fakes and did not meet the description of my order. I reached out to the merchant right away. I was given the option at that time to mail back the jackets or to return them at one if their authorized locations here local in XXXX, GA. I did that right away. I was offered the option for other merchandise but I declined and was promised a refund via text message from XXXX my sales associate from XXXX XXXX : Me : Hey XXXX so Im just going to go with the other 2 pieces and requesting to be refund for the other 2 pieces to my account. Many Thanks XXXX XXXX XXXX ( XXXX ) Ok I will take care of it Me : Many Thanks whats my anticipated refund amount for those Merchant ( XXXX ) I will let you know when I have a minute ... very busy From this time forward I have not been able to get in touch with with XXXX furs by email, phone or text. As a result I filed a claim with my bank presuming that I would be protected from these scammers. I initially received a temporary credit from my Wells Fargo who is now trying to retract those funds from my account because my claim was filed incorrectly. I explained that I bought these jackets and that two were fake and that I returned them to the merchant the day they arrived at a local location here in XXXX. I reached out via text ( which by they way I supplied to Wells confirming that XXXX had agreed to a refund to my bank account ) as previously posted and was promised a refund back to my account. Wells Fargo has now sent a letter to me stating : We have completed our research of your inquiry about charges from XXXX XXXX. Based on the information you provided an additional information from the merchant ( which I learned later was a fake recipient that I never received ) we found the charges were made by you or someone who had permission and that my temporary credit in the amount of {$2500.00} would be reversed in 10 business days. I feel so violated as the bank that is supposed to protect me as their valued customer has processed a claim wrong for something that should have been clean cut and dry has now left me with no merchandise and seemingly a {$2500.00} bill. I am disgusted with how Wells Fargo is handling this in leaving me vulnerable to scammers like this. To add in regards XXXX XXXX they are a scam I learned that they are ordering the furs that they are selling from XXXX ( XXXX ) for {$200.00} or {$300.00} dollars and reselling these fake jackets for thousands. In hopes that they will be undetected in their scamming. I hope to resolve this situation by my bank resolving this claim in my favor and going after XXXX XXXX the scammers.
Consumer complaint received 2021-10-07
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. (OH)

This is a follow-up over an issue I have over Complaint Number XXXX. I also request to see a certified copy of any contract or agreement between XXXX XXXX XXXX and the original creditor that I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX. I had a dispute with the original creditors that has been resolved and yet the negative items still remain on my credit report. I file this complaint back in XXXX of this year and never recieved any letters back from the credit bureaus or the 3rd party companies.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

I had an XXXX XXXX XXXX Credit Card. I receive paperless notification from XXXX. On XX/XX/XXXX XXXX sent me an electronic letter stating " Your new account has additional information that needs to be verified in order to maintain your account. '' Granite this notification came 8 months after I had opened my account. I received an additional notification on XX/XX/XXXX, will attach letters for reference. On XX/XX/XXXX I received my XXXX Credit Report stating that my XXXX XXXX account was closed. I didn't check my XXXX Account until XX/XX/XXXX and saw the letters. I then proceeded to call XXXX XXXX and inquire why they closed my XXXX XXXX XXXX XXXX Account. They said because I did not respond and verify my address. I have never had to do this with any credit card before. My home address had not changed since I opened my XXXX 's account on XX/XX/XXXX. I know this for a fact because I signed papers on my townhouse XX/XX/XXXX and moved in XX/XX/XXXX. On that Monday XX/XX/XXXX I went to XXXX to find bathroom essential for my new 3 bathrooms. To save money I opened up a XXXX XXXX XXXX XXXX Credit Card. Also, I had a wedding registry at XXXX 's with my townhouse address linked to my registry. Several packages had been shipped to my townhouse. For these reasons, I believe that XXXX 's is well aware of my current address and should not of closed my XXXX credit card. XXXX is aware that they have lost a customer for life due to this. 

By XXXX 's closing my credit card, my credit score decreased. I would like the closed account to be removed from my credit score.
Consumer complaint received 2022-10-05
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed ( XXXX. XXXX XXXX late payment XX/XX/2016 ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.
Consumer complaint received 2022-08-06
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. (MO)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with trheir findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requesting to corerct the suspicious information I found on my Credit Report. I belive that the Credit Bureaus have not validated these accounts in accordance with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It's either the Credit Bureaus correct these accounts or remove completely from my Credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OXXXX XXXXXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AZ)

Multiple instances of online account access being down. Impossible to access account information through either the website or the mobile app. No explanation provided by bank other than a vague notice that the website is not accessible at that time. The worst website reliability I have ever seen in a banking website.
Consumer complaint received 2021-10-07
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: MS SERVICES LLC (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Salmon Law Firm PLLC (OK)

The following individuals have been accessing my personal credit reports without my permission and impersonating they are me as well as government officials. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX The above mentioned parties have repeatedly accessed my credit reports without my permission and acting as if they are me,
Consumer complaint received 2021-10-07
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. (CA)

I have disputed multiple times the following account with Equifax Information Services LLC ; XXXX XXXX XXXX ( Opened XX/XX/2021, Balance {$17000.00}, Original Creditor Name XXXX XXXX XXXX ). The last dispute was sent on XX/XX/2021, see attachment. To this day the Equifax Information Services LLC have respond to my disputes and they still reporting this unverified debt.
Consumer complaint received 2021-01-28
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID XXXX  OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I XXXX  VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

These are errors:Addresses:XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX