davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (TN)

I have reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information on my credit report.
Consumer complaint received 2021-01-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (OH)

How are you my name is XXXX XXXX I am trying to dispute this information in regards to exititor finance which I applied for a car loan and I received a loan however I went on my XXXX XXXX  credit report and saw that exit or sold my account to another company which I was not aware of and from my understanding I am upset because how can they say on my account with a number company and I didnt provide the company my information for her Social Security number phone number and address its like selling myself which I can not be sold so I think that is very wrong to do that without contacting me to let them know that they are selling my account to another lender again which I have no knowledge of this lender and again Exitir so theyre basically my social birthdate and address which I didnt give that company my information
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

The Equifax data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to Equifax 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with  any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX  right?
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

This issued was reported back In XXXX against the Chase Bank for allowing a wire fraud to take place and helping with the criminal activity. 
On XX/XX/XXXX a wire transfer for real state closing was initiated from XXXX XXXX XXXX. 2 hours later the wire details were indentify as fraud and the bank initiated the swift recall. 48 hours later on XX/XX/XXXX after the holiday the manager of the XXXX XXXX XXXX  in windward is advised the funds are frozen at chase due to name discrepancy and fraud alert. 20 days later the chase releases the money to the fraudster and closes the account. 
The bank refused to cooperate with me or the wells fargo but after the investigation of the XXXX police department cyber crime division found the account was open at the chase bank by a person with virtual number and non existing address. 
The Wire transfer was sent to the closing attorneys and the bank paid it to a different person accordingly to the records and closed the account to avoid being trace. This proves the bank did cooperate with this crime.
Consumer complaint received 2020-07-08
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. (NY)

I have been disputing many items on my credit with the XXXX, XXXX  and Equifax. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.
Consumer complaint received 2021-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Since XX/XX/XXXX, I reached out to the My Fed Loan program to find out what the latest information is on my Public Service Loan Forgiveness Program number of payments made to date. I reached out to My Fed Loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I uploaded new documents as they requested to show the Government Employer information. From XX/XX/XXXX to XX/XX/XXXX, I worked for the same employer, the City and County of XXXX XXXX, with the same FED EIN. My Fed Loan has processed 60 of the payments with the last update in XX/XX/XXXX, but I am seeking an update for the years XXXX and XXXX. As My Fed Loan requested, I submitted my W-2 's for XXXX and XXXX to show that I worked for the City and County of XXXX XXXX. I checked off the box that for this most recent period of XXXX and XXXX, I was unable to have the employer sign for the period XX/XX/XXXX to XX/XX/XXXX, but I was told that W-2s for XXXX and XXXX would be acceptable proof. Given how difficult it is to complete the Public Service Loan Forgiveness Program, I would like assistance from the CFPB please for streamlining this process and providing me with a current update on my status in the program. Thank you.
Consumer complaint received 2017-09-18
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 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

In XX/XX/XXXX, I submitted a credit application with XXXX XX/XX/XXXX for a XXXX XXXX XXXX for a mattress set purchase on XX/XX/XXXX for the approximate amount of $ XXXX dollars and about one ( 1 ) year with XXXX finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from XXXXXX/XX/XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few XX/XX/XXXXaccounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency Sagestream , LLC, XXXX XX/XX/XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

I Recieved a Wage garnishment for this credit card account on XX/XX/2018 that i did not open and was a result of identity theft. This company took out {$1000.00} from my check and i would like my money back. XXXX XXXX XXXX-ACCT XXXX {$11000.00}
Consumer complaint received 2020-05-28
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. (FL)

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have tried over the last several weeks to place a " Credit Report Freeze " on my information with the company called Equifax. They suggest using their web site to Freeze Your Credit Report, but the system reports an error " 500 " and will not allow you to proceed. I have called their listed phone numbers, XXXX and XXXX all to no avail. 

I want my credit report to be placed in Freeze before some one uses my information Illegaly. 

XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX
Consumer complaint received 2021-02-24
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. (AZ)

Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. XXXX is reporting that it was opened on XXXX, and XXXX and Equifax have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and XXXX and Equifax are reporting that the payment status is unknown. Also, under the date last active, XXXX has that it was last active on XXXX, XXXX has that it was last active on XXXX, and Equifax has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

After the fraud was uncovered at Equifax - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. Equifax just plain makes their web site inoperative. I need an answer now.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I had a chime bank account, I put in three disputes, spoke to someone over the phone and let them know that I noticed money was being used from my account, it was also overdraft. I let them know everything and they told me they were going to fix everything. Two days later I received an email that my account was closed. They didn't help me or let me know the reason why the closed my account. My credit score also dropped XXXX in one day! Someone has compromised my phone and accounts I need help please!?!
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently upgraded a membership on the Equifax website, i called equifax after checking my credit file and noticing my personal information was part of their data breach back in 2017, I spoke with someone at equifax over the phone and told them that it appears a fraudulent suntrust and XXXX accounts were placed in my credit profile report along with inaccurate information including addresses and different spellings of my name. i was told that those fraud accounts and addresses would be removed within 24 hours but they are still showing in my account.
Consumer complaint received 2020-05-26
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: WELLS FARGO & COMPANY (CA)

This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

During the past 15 yrs have had synchrony account on and off seems they can close your account when they feel like it even though your paying your payments on time. 
Recently My Credit Score was XXXX had 6 Accounts With Sychrony Financial all XXXX balance but 3 had XXXX Credit Limits over the yrs had credit limit increases as most banks do for being responsible and paying your bill I Never Had A Late Payments always kept low balances so one day I wake up check one of my Accts XXXX Visa Card Found XXXX available then checked all 5 other accounts all showed Closed I Called Waited 1 HR 18 Mins For Supervisor to say sorry closed due to high risk!!!

Now Whats High Risk!!! 
Never late Always Paid My Bills Kept Low Balances Good Credit Score XXXX Dropped 96 Points Once They Closed My Accounts There has to be a law in Affect For This Bank To Stop Messing With Peoples Credit For No Wrong Doing!!!!
Consumer complaint received 2018-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX erroneous reported me as XXXX late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with XXXX and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
Consumer complaint received 2019-08-09
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX  , XXXX , XXXX , XXXX XXXX, XXXX , XXXX
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (ME)

In XXXX of XXXX I did a debt rollover from a XXXX  XXXX card in the amount of {$4600.00} to my Chase Amazon Prime Visa card. I have always paid off my current balance using the " pay off outstanding balance '' setting. I needed to change my setting to a monthly payment of {$1000.00} since I didn't want to pay off the {$4600.00}, and I rarely go over that amount. Unfortunately Chase started using a portion of my payment to reduce the amount of my rollover. This resulted in them charging me interest on outstanding balances which should have been paid with my monthly payment of {$1000.00}. In XXXX they charged me interest on a balance of {$1100.00} in the amount of {$12.00}. My purchases for that month was less than the {$1000.00} I paid. The same thing happened in XXXX when I was charged interest on a {$1700.00} balance even though my purchases were about {$1300.00} ( my payment for that month was {$1500.00} ). 
This increase in interest charges would have likely increased month after month as they were taking a portion of my payments to reduce my rollover amount even though no payment was due on that amount until XX/XX/XXXX. 
I am filing this complaint in order to start an investigation into their fraudulent practices or to warn other consumers to keep an eye on their balances. 
I did contact Chase and they were able to credit me for the XXXX interest, but not the previous fraudulent charges.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
Consumer complaint received 2020-07-07
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. (CA)

I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2021-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (LA)

My mortgage company has been some my advance payment a miscellaneous account then telling me I'm behind I notice that since the pandemic a lot of good company people are doing bad things like fraud and embezzlement has become a common practice here in the South their are systematically discriminating in handling people Money.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a XXXX card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX report, however, I have confirmed the existence of these accounts with XXXX and Equifax.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Portfolio XXXX XXXX XXXX XXXX Adjust XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Essential Lending Inc (TX)

I was reviewing my credit report & noticed this account reporting on my file. I dont recall ever taking out a loan with this company & it is my understanding that proper debt validation should include a copy of a signed contract between myself & this company. If this information can not be provided then according to the FDCPA this account must come off of all 3 reports. It is also my understanding that computer printouts do not suffice as proper debt validation
Consumer complaint received 2018-09-25
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. (NY)

I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that XXXX amd EQUIFAX allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
XXXX AND EQUIFAX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.