davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

( I.C. SYSTEM, INC ) at ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$990.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Consumer complaint received 2022-10-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX  XXXX
Consumer complaint received 2022-08-26
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: LEXISNEXIS (IL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-24
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. (NC)

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.
Consumer complaint received 2022-05-18
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. (AL)

Hi I am submitting this XXXX 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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXXThis was a fist step towards attempting resolution. 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 60days 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 21 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.
Consumer complaint received 2021-03-09
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)

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. 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 60days 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 21 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.with no help.
Consumer complaint received 2022-05-18
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. (TX)

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Citibank NA. has fail to invwestigate and help us. XXXX XXXX de XXXX XXXX on XXXX still active account and Citibank NA alsp fail on XXXX at end of XXXX I have reported because company didnor refund and blame XXXX. I should have notice since they asked for different kind of fees arguing and convincing because pandemia situation. 
I fail but citibank was supposed to compliance regulations. I trust them because we were wiring to citibanamex and XXXX XXXX de XXXX XXXX is the excrow account. I have bring the document and show it to teller to do wire.. There were on on XXXX and pending as investigator told me Why they release them XXXX XXXX XXXX spoken to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nad they confirm my money was XXXX XXXX XXXX XXXX de XXXX XXXX. I HAVE SEND INFORMATION SEVERAL TIMES TO CITIBAN Na XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED XXXX XXXX XXXX XXXX XXXX. 
As I was told they do not have time to help a person who does not have a big account they protect and help Criminals because the did not investigate XXXX XXXX XXXX XXXX XXXX XXXXThey mention a bank of XXXX and XXXX XXXX I have not wire them. Suspicious that citibank and XXXXXXXXXXXX should be aware if they follow compliance regulations. They should havehold this wires andinvestigate.. they did on 2 but release them even I have reported. Citibank did not answer said protect privacy.. Only will answer in court with subpoena when I asked Citibank NA to refund as they fail to investigate and request to XXXX XXXX XXXX  XXXX XXXX and account active that was still active on XX/XX/XXXX Why they did not protect me as her client XXXX XXXX XXXX XXXX XXXX XXXX has tried to help me in XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

To Whom It May Concern I did not authorize Progressive Management System to access my medical records, I never signed a Hippa form to release my medical information and this is a clear violation of my Hippa rights, I need this removed immediately from my credit report.
Consumer complaint received 2022-05-18
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: ACIMA CREDIT, LLC (TX)

In XX/XX/2022 I notice an account on my credit from Acima that was an open account which took me at a surprise. I had an account with them but I had paid it off. So when I saw this account it said open XX/XX/2022 and payments were made on this account but it had stopped being paid. I was wondering why my credit score had dropped but this is why.

I reached out to the company expressed that this is not my account and that I needed to know what to do to get it off my credit. 
I was advised if I thought this was fraud to file a police report submit it and they would take it off my credit report. 
I did so and the. I received a message stating since they have all my info which is apparently they have my info from my own account that they were not removing it. 
This is causing me several credits points and I have done my due diligence and they are violating my consumer rights.
Consumer complaint received 2022-05-18
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 XXXX Account NumberXXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account NumberXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WY)

I deposited a check for {$100.00} on XX/XX/2021 into my Wells Fargo personal account from my XXXX XXXX XXXX XXXX personal account. Wells Fargo is claiming it was returned for duplicate presentment. They deducted the {$100.00} from my personal account on XX/XX/2021. After XXXXXXXX XXXX XXXX XXXXXXXX proved it was not a duplicate presentment, Wells Fargo said I had insufficient funds and returned the check to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX has shown them proof I did not have insufficient funds and the {$100.00} was not returned back to XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX  XXXX has done all they can possible do to prove that {$100.00} was removed from my checking account and Wells Fargo never put that {$100.00} back into that account. I worked with a gentlemen named XXXX XXXX. 
XXXX XXXX XXXX XXXX Wells Fargo Bank N.A. | XXXX XXXX XXXX | XXXX WY, XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX He told me to my face that if I wasn't sitting there while he tried to resolved this issue that he would have gave up. 
I just want my {$100.00} back. 

Hello, Please see below. 
XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX  | XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX XXXX Subject : XXXX XXXX I show bank of first deposit XXXX ( Wells Fargo XXXX XXXX XXXX. 
If you are not able to get anywhere with this let me know and I can contact XXXX. 

XXXX XXXX Operations Specialist Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Consumer complaint received 2022-08-26
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MN)

My sister sent me {$1000.00} via Venmo. 

I set an account with Venmo. 

I got the {$1000.00} but Now I can't get the {$1000.00} from Venmo. 

They will not answer their XXXX phone for nothing. 

I called Paypal because they own Venmo XXXX Paypal does not have a phone number to call them! 

I tried to send via email to them with the problem and they email me back saying they might take 2-3 XXXX days to solve the XXXX issue. 

And of course via email only. 

I think companies the do this should be made to have a customer service hot line, staffed with a god XXXX live person. 

I would like to start a class action to sue them. 

They can use my money for days with no accountability at all. 

thank you XXXX XXXX
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CA)

I used Xoom, a XXXX service to send money to a friend in XXXX XXXX, XXXX on XXXX XX/XX/2022I received an email that they have verified my funds were available and the money transfer would be rush delivery at no extra charge. Then amount was for {$300.00} plus {$5.00} transaction fee. The exchange rate was XXXX XXXX PHP. Recipient receives XXXX PHP. I started tracking the account the following date XX/XX/XXXX and the transaction status showed on tract. Transfer in progress. Today is XXXXXX/XX/2022and the money has not been delivered. I have sent Xoom several emails following up to see why the money never got to my friend and but their website was still showing transfer in Progress. The reply to the emails I have been getting back are all the same generic responses. In XX/XX/XXXX, I sent them another email demanding to cancel my transaction and credit back my credit card since the transfer never happened. I got a response saying before they can do it they will need confirmation from their payment partner. Its apparent that their payment partner has ghosted them. I had no hand in Xoom 's choice of payment partner so I should not bear the consequence if they defaulted. As of today the transaction status on my account still shows on tract. Still no money transferred and no credit to my account. I just want my money credited back to credit card since it is accruing interest. Please help me resolve this issue. Thanks
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

This is from an apartment I haven't lived in since XXXX. Out of nowhere they now call me 4-5 times a day and I don't owe them a dime. I moved out and never had a problem and now all of a sudden they are calling me over and over again. I never even heard of this company. Procollect INC. I have no knowledge of this company. I have disputed it twice and they continue to call at all times of the day. I am not responsible for this in anyway. I have called them back but they are extremely unprofessional and I am not paying for something I didn't do. Can you please help?
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I am unable to login to my Synchrony XXXX XXXX account and NO ONE has been able to help me. When I go to login on the website, I am prompted to choose a phone number to be sent a one-time code. For many months now, I was given the option of choosing my current phone number ( ending XXXX ) and a phone number I haven't had for 15 years ( ending XXXX ). Now, I am only given the option to choose the old number ( XXXX ). I have called multiple times and no one has helped me. I have gone through a process of clicking a link I was texted, taking a picture of myself, taking a picture of my ID, and receiving a code I gave the customer service rep. Didn't work. I have since been told by account specialists that it has to do with my credit report showing an old phone number ( if this is so, why was I given my current phone number as an option until now? ). I have contacted all three credit bureaus and one ( XXXX ) had my old phone number. It has been removed. I still can not login. When I call the number on the back of the card, I am transferred around to people who do not know why this is happening, can not help me. 

As a result of all of this, I continue to be denied the ability to login to my account, view my purchase history and account history, make payments and more. It is not legal to deny someone the ability to see their charges and yet still demand payment. This is absolutely ridiculous.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

My complain is against XXXX XXXX, the way they operate is to provide services that people do not ask for and they just send them the bill. XXXX XXXXXXXX performed a fertilization service at my property in early spring last year, I called them and clarified that I didn't ask for the service, they told me that because I was a customer before they assumed I needed the service. I complained about them assuming and providing services that have not been requested and agreed with the customer. They told me on the phone in XXXX that they had deleted the charge and all and any account information that they had from me at the time. I am an individual that pays all my bills on time, however it is the first time someone does a service that I didn't ask for and wants to be paid anyway. I am sure if I did it once they would continue providing unsolicited services and sending the bills. I disagree completely with any company that proceeds that way. It is not about not paying the amount, since {$160.00} is nothing. it is about fairness in business. They claimed once that they sent me an email notifying me that they would do the service, I never saw the email and it would not matter anyway because that is also unacceptable way of doing business. 
I don't want anything to do with a company that has such wrong business procedures.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. I was in car accident and in hospital with tubes through my body. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.
Consumer complaint received 2022-08-13
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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