davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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: WELLS FARGO & COMPANY (CA)

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The Wells Fargo Bank - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have Challenge a account ( XXXX XXXX ) on my XXXX credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy
Consumer complaint received 2021-08-29
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. (TX)

XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Equifax Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both XXXX  and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have called, and I have sent letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

Anyway, I ask that someone from CFPB to look at my attached documents and note that on my Equifax Credit Report the two XXXX XXXX loan accounts have the identical dates opened on XX/XX/XXXX, identical original loan amounts of {$2600.00}, and identical 48-month terms. 

What else can I do in an effort to receive proof of this erroneous second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS XXXX
Consumer complaint received 2021-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ID)

Hi, I've worked for a XXXX agency that is part of student loan forgiveness. 
I've applied for PSLF and TEPSLF and have been denied despite my 10+ years of service and more than 120 payments. They ( fedloan ) are saying that I have payments " out of window '' or over the amount needed and therefor do not count for PSLF/TEPSLF I've submitted paper work to fedloan several times showing that I've worked for the 10+ years and I have 89 payments ineligible under PSLF and 116 under TEPSLF. This ineligible amount varies as the loan is split up into micro loans, it used to be one now its split up into twenty plus loans ranging in value. When contacting fedloan I try to get help but I ask a lot of questions ; and the agent gives up on me and eventually hangs up which leaves me no where after being on the phone for hours. I did get some information that my service has flipped hands many times. It went from XXXX XXXX XXXX, to XXXX, to XXXX, to FedLoan. Who knows what was lost in those transactions between services. I'm trying to get FedLoan to work with me on this issue to no avail after many attempts to have them " review '' my account they tell me to call back in 60 days only to have no record of these actions under a fake case number that was given over the phone. This has happened to me three times now no reviews have been done about these pending missing payments that show on fedloan side. I've tried to work with other agents via fedloan to figure out the missing payments and the math doesn't add up to why I haven't been granted TEPSLF. Any help is greatly appreciated. 

Much obliged,
Consumer complaint received 2021-09-15
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. (MA)

I am XXXX XXXX, and I am the natural person and consumer. There is no 3rd party involved in this complaint and I am submitting this complaint in good faith on my own behalf.

I have a 30 Day late payment reporting on XXXX XXXX  Account. This late payment is innacurate and unverifiable and it was recorded during the XXXX Pandemic. I need the late payment to be removed immediately from my consumer report.

According to 15 U.S. C 1681 all information on my credit report should be 100 % accurate no questions asked.

I am expecting a full investigation into this late payment and removal. 

XXXX Account Number : XXXX
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2022-08-24
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: AutoNation Enterprises Incorporated (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CIG FINCL XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (MO)

My identity has been compromised while I was XXXX and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX  XXXX {$290.00}, ( 4 ) XXXXt XXXX XXXX {$250.00}
Consumer complaint received 2022-08-11
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)

In accordance with the Fair Credit Reporting Act XXXX Accounts the below accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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. 

I would like these accounts removed. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2022-10-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-08-11
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 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-05-02
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. (MI)

I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for Equifax and XXXX totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX  eventually put this back up.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (VA)

I received a totally unsolicated card from Netspend. Everything about the materials that were shipped with this card made it look like I had applied for it. 
See the attached. 

When I called Netspend they told me that they got my address from " one of their partners '' but offered no other explanation as to why they'd sent me an unsolicited card.
Consumer complaint received 2021-11-22
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (AL)

On XXXX 21st Mortgage called me and I basically told them my situation and they wasn't trying to hear it so they gave me till XX/XX/XXXX, to come up with the money to pay. And they know I'm on a fixed income. The mobile home is in my husband name and he passed away in XXXX but I was staying with him so I been paying each month but sometimes I run into hard times but not often. This company when they call people they don't know how to talk to others on the phone it makes you wonder. They are very unprofessional.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Since these guys have sent my PII through email without verifying any information with me personally, I have been harassed by phone calls and people showing up at my door. Oh, and I've had to move because my ex husband got a hold of the information. I now sleep with a gun because of the incessant harassment. I'vetried contacting them multiple times through email, their website, phone number and all I get are XXXX representatives. Why are fraud issues dealt with in a foreign country? Why am I not able to talk with an American citizen about any of this? I've searched through the contract they sent and nowhere does it state that any information was going to be available in a foreign country. How is this even legal. The amount of fraud that can happen is unreal!!! I have had to move twice now because these guys have handed my PII to my violent ex hisband. Several of the addresses on these aren't even mine. Ive contacted every merchant on the bills they sent through my email with account information and address and NONE of them can provide me with a signed receipt. NONE!!! There's no delivery confirmation for the letter they claim they sent informing me of them selling my PII. If they sent something like that, I would think they would want some sort of proof that it was sent and not just written and left on a computer. Im sick of the harassment!!! These guys do not care about the personal safety of anyone.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (NC)

We have tried to contact Experian numerous times to cancel. They claim that you can cancel at any time and when you call in the wait time is 2-4 hours. In the meantime, we keep getting charged XXXX for both me and my wife! Help us please!
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.
Consumer complaint received 2021-09-15
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX I opened an account with Chase ( Checking ). The account was then closed after I deposited Bank Checks from XXXX. 
Since then I have called many many times. Been given instructions such as prove who you are. Get XXXX to verify they sent the checks and Go to a branch and bring them your license. I have done all of these things. I now owe the IRS money and chase remains steadfast on keeping my funds ( primarily an award from the XXXX fund for being a volunteer at ground zero. Which I proved to them.

I recently called and requested my irs statement for the money they are holding. They said XXXX wont verify the checks. I had chase a typical 3 hour wait for assistance and XXXX on the phone together. XXXX refused to verify the check because they are bank checks. 
They have my funds and are paying me no interest on it since XX/XX/XXXX. 

I complained to the state banking dept, had lawyers call. And the best response I get is. I have to SUE THEM FOR MY MONEY., if you can not help I guess I have no choice. But why? If the money was stolen someone would have reclaimed it by now. I asked them to send it back to XXXX if they dont want it. They refused. Why shouldnt I get the same interest irs gets from me for filing late? 
Anyway please help me. 

Ss XXXX. 
XXXX XXXX
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.