davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

I have one account with American Express ( AMEX ) where I requested a credit limit. Amex asked me to either upload my bank statements through their portal or to link my bank accounts to consider my requests. 
I tried to upload the documents via the portal multiple times and kept getting an error, so I linked my bank accounts and gave AMEX access to my bank details instead. 
To my surprise, AMEX did not review my request with the excuse that I did not follow the instructions. My account shows as correctly linked at the AMEX portal, and an AMEX rep confirmed that it was correctly linked. 
I called and chatted with AMEX around XX/XX/12 and was told that my request would be reopened, yet nothing has happened. 
Multiple calls and chats have resulted in no actions or answers from AMEX. I did get a call from someone, but I asked her to call me later ( because I was at work ), and she never followed up. 
At this point, I think AMEX is purposedly ignoring my requests.
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have never had any services with XXXX XXXX XXXX and my belief is that this is a debt that was discharged previously with case XXXX due to the amount being exactly the same. This service was in another state that I have never lived in and I have no knowledge of this company or the services that it provides. This company has sold this debt in attempt to collect something that is not owed by me. I am requesting that this fraudulent information be removed from my credit report immediately or legal action will be taken.
Consumer complaint received 2022-04-22
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. (IL)

Hi I am submitting this XXXX T 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 XXXX 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 2022-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX at XXXX PM I withdrew {$1000.00} cash from a Wells Fargo ATM on XXXX XXXX XXXX, XXXX, NJ. The machine only dispensed {$560.00}, the remainder was stuck in the machine and could not be pull out. The machine erroneously printed a receipt indicating {$1000.00} was withdrawn. The {$440.00} was visibly stuck in the machine, it could not be extracted. There was no one in the branch to report this to it was closed. 

I immediately contacted customer service. They commenced an investigation and provided a temporary credit. 

On XX/XX/XXXX I received a letter advising the investigation was completed and " determined there was no error. Your account was charged the correct amount for the transactions. '' They offer " copies of documents used in making out decision ''. I expect that the transaction would be video recorded, this would provide ample evidence of the error. No paper evidence would show that the money was stuck in the machine.
Consumer complaint received 2022-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX I had a scam occur through XXXX from a XXXX XXXX conversation over someone whos account was hacked fro trying to buy a dinning room table I was selling. They said my XXXX was not a business account and I needed to send {$1700.00} to activate it to send large amounts of money or in my case, receive large amounts of money. I immediately reported the scam to WellsFargo who then denied it because it was not unauthorized.
Consumer complaint received 2022-04-22
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. (OK)

I am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, XXXX and Equjifax both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. XXXX does show it properly as my mortgage payment?
Consumer complaint received 2022-04-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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 2021-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXX  Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Consumer complaint received 2022-08-14
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)

I've reached out to XXXX numerous times by mail with return receipt to have these unauthorized inquiries removed : XXXX. XXXX - XX/XX/XXXX -- XXXX XXXX  XX/XX/XXXX -- I've also tried to have them remove these CLOSED ACCOUNTS -- XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX -- XXXX {$2300.00} XX/XX/XXXX -- XXXX {$1400.00} XX/XX/XXXX -- XXXX {$6400.00} XX/XX/XXXX -- XXXX {$9300.00} XX/XX/XXXX. One late payment showing XXXXXXXX XXXX XXXX  XX/XX/XXXX -- I also attached federal laws 15 USC 1681A ( 3 ) -- - 15 USC 1681A ( 4 ) and they STILL haven't removed said items!
Consumer complaint received 2022-01-11
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I made payment today of XXXX to get out of the rear. But my school lied to me on how much I would be making with a bachelor 's. Called a nd talked with some representative and she told me I don't qualify for any repayment plans other then just making that payment on my federal loans service by Sallie may or Navient.
Consumer complaint received 2019-07-23
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. (FL)

I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX XXXX Department. XXXX XXXX has also listed me in the XXXX XXXX under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the check system. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.
Consumer complaint received 2022-08-14
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)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate XXXX Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX XXXXDate of XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXk NaDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX
Consumer complaint received 2019-07-22
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. (FL)

Discrepancy on the credit bureau report for XXXX  and equifax. It has been 6 months already with no resolution regarding this matter. The accounts for XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX  that were deleted from transunion report are reporting on equifax and experian being the same accounts. As far as I understand the creditor are the one who authorize the removal or deletion of the account from the credit report, how comes XXXX  had deleted this 2 accounts and experian and equifax has not. Attached the 3 credits reports from equifax XXXX  and equifax comparison in order to view in detail the reporting discrepancy.
Consumer complaint received 2022-04-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc. (OH)

I called SiMM and associates after logging into their portal to pay a debt. The website offered 4 options. 3 payment plans and " decline offer '' When I called them to find out what the offers were, they said I should " just pay them '' that they do not know what the three offers were. Which leads me to believe I owe them nothing.

Here is a link to the actual photo of the " payment arrangements '' XXXX  : XXXX The representative I was speaking with said he had " NO IDEA '' what the offers were and that I should " just pay him '' I asked to speak to a supervisor, because I would like to see what I was accepting or declining. He went to get a supervisor and reported again -- we have no idea and to pay him. 

XXXX  : XXXX XXXX  : XXXX I told him I was recording him and he then hung up. This is the video/audio to the call XXXX  : XXXX
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO MAKE SURE THAT THEY'RE REPORTING 100 % ACCURATE INFORMATION. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Someone is using my email address to send money from paypal to another person. I do not have a paypal account. I received an email from pay pal saying a person named XXXX XXXX used my email address ( XXXX ) to send {$240.00} to a person named XXXX XXXX 0n XXXX the receiver email address was XXXX I contacted paypay, they gave me the run around, wasn't able to get to the bottom of problem. This sounds like an illegal money transfer using my email address. My name is XXXX XXXX. my email address is XXXX. I would appreciate any help in this matter. Thank you
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, EXPERIAN XXXX XXXX XXXX  XXXX account XXXX XXXX ...., XXXX XXXX XXXX XXXXXXXXXXXX XXXX account XXXX XXXX ... XXXX account # XXXX XXXX., has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

in accordance with the fair CREDIT REPORTING AGENCIES ARS Account Resolution acct # XXXX has violated my rights 15 U.S.C 1681 section 602A states i have rights to privacy 15 u.s.c 168 section 604a section 2a consumer reporting agency can not publish an account without my written instructions
Consumer complaint received 2021-04-14
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. (NJ)

I requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (MI)

mI 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 or inquiries. 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 Trae Commissions Identity Theft Affidavit. Please delete the items as soon as possible this is affecting my life now that I'm done with school and I was looking to get mortgage for my family and notice I have over 40n inquiries most was from the same company this has shown careless actions on whoever bruisey credit.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

XXXX  isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # XXXX. Date XX/XX/2019 my credit score drooped by XXXX points. 
My credit card Acct # XXXX XXXX the bank name is XXXX XXXX XXXX credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score. Can you please help me with this problem?
Consumer complaint received 2022-08-14
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. (TN)

I would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 3 ) you assume this role you didnt have permission so not only it is not permission you didnt have my consent. 1681 ( a ) ( 4 ) there is a need too ensure that consumer coordinates exercise their grade that means life or death not about too die in responsibilities of fairness Impartiality respect for consumers right too privacy. 
1681 ( b ) ( 2 ) I the consumer never instructed them too furnish this report or too create this report and never consented too this report and the first place.