davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (IN)

I received a letter from XXXX XXXX XXXX  the end of XX/XX/XXXX about a check cashed at a XXXX in XXXX TX on XX/XX/XXXX. I wrote back and sent the first letter Ceritfied Return receipt mail, I have received the proof they got the letter on XX/XX/XXXX and they sent back a collection letter with a copy of a receipt from the XXXX and some forms I refuse to fill out as they have no right to that information and have not shown proof this is my debt and there is no way in XXXX or Earth that it could be. The signature was a squiggle and unreadable, there was nothing else that showed a name, address, or any identifiable information on the copy they sent and no proof that it could have been mine. I also was in Indiana on that very same date at work, I do not even have a checking account, and I have witnesses that can prove I was nowhere near Texas. I sent a reply and I again asked them to stop all contact, as this was definitely not mine and told them why. But they sent more collection letters, so I sent two more dispute and stop letters to them XX/XX/XXXX telling them why it couldn't be mine again. I have received one of the two return receipts back on XX/XX/XXXX signed as received on XX/XX/XXXX. I have now received another letter on XX/XX/XXXX stating they will not investigate or acknowledge it is disputed unless I send them my banking information and file an Identity theft form with them, that asks for a lot of personally identifying information. I will not send any of this, as they have not shown me how they came to think this is my debt, they have not shown how they verified this, and I do not have banking information for a checking account to send them anyway. TRS is ignoring the cease and desist dispute letters, and refusing to send the proof that they have verified this is my debt. I want them stopped and this cleared up and to make sure they don't attach a debt that is not mine to my credit report. I have seen too many complaints on TRS about them misusing the information sent to them also, and I do not want to take that chance, and since they are not following the law I definitely do not trust them.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Equifax fraudulently illegally and intentionally withholding anticipation refund, fresh start to conspired against employment subsidies plans permanent protection plans on XXXX XXXX XXXX And XXXX XXXX XXXX causing Homelessness on XX/XX/XXXX form Homeowners Parcel permanent paid in full address XXXX XXXX XXXX XXXX , louisiana XXXX stolen by fraud and forced scams taking Internal revenue services public transportation subsidies programs tax payers and first time Homeowners Deeds that holds certain pieces or portion of Ground together with all of the buildings and improvements and all the rights, ways, privleges servitudes and Advantages in XXXX XXXX state of louisiana XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX bounded by XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX as shown on survey by XXXX XXXX XXXX dated XX/XX/XXXX return Homeowners 100 % Deed property address XXXX XXXX XXXX XXXX , louisiana XXXX back to rightful owners XXXX XXXX XXXX & XXXX XXXX XXXX immediately ASAP stamped forever Free from salvay under signed notary by Attorney XXXX XXXX XXXX until death by signed on XX/XX/XXXX foward to XXXX XXXX Government Building and convenience office and resolution matter resolved and restore back To rightful Homeowners XXXX XXXX XXXX And C/o XXXX XXXX XXXX immediately removing off property XXXX XXXX XXXX XXXX , louisiana XXXX forever XXXX XXXX XXXX and XXXX XXXX XXXX eviction notice served now by XXXX XXXX Sheriff 's and XXXX XXXX Constables and fraudulently fake fase Default desion against XXXX XXXX XXXX And XXXX XXXX XXXX rightful Homeowners of property address parcel # XXXX permanent Homestead exemption records of receipts and closing costs paid in full notorized by Title Insurance underwriter XXXX XXXX XXXX XXXX producer license # XXXX notary public Bar XXXX state ID number XXXX
Consumer complaint received 2021-06-08
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: DISCOVER BANK (NJ)

There are accounts on my credit report that arent mine. I listed it below. 
1.Discoverbank  Account Number : XXXX 2. XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-08-09
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)

Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and Equifax, XXXX, and XXXX have not provided me with substantial proof of validation that they claim they've received. 

I have made several attempts to remind Equifax, XXXX, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

on XX/XX/2019 I made a cash advance from a WELLS FARGO credit card to a WELLS FARGO checking account. I also have a large sum in my retirement accounts at WELLS FARGO. They charged me a fee of {$500.00} for this transaction that is in addition to the high interest rate they will charge monthly, and the interest charge I accept. l think this is such poor customer service and I feel practically like I have been scammed. I am sure there was some small print which I did not understand to be In Addition to the monthly interest charge. Also, in past months I felt I May be one of the names used for a fake account by them but strangely I could not access that information or add my name, for reasons I did not understand. I called customer service when I saw the charge of XXXX added to my balance and a supervisor ( XXXX ) says basically.. too bad, so sad, can not help you. No assistance was given. The main reason for my aggravation is that this transaction was all made within the same financial organization, Wells Fargo, I feel that this charge is excessive, that I was not properly informed, and an example of taking advantage of customers.
Consumer complaint received 2022-08-23
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)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX Pacific - Called Care Credit Synchrony Financial at XXXXXXXXRequested credit line increasePhone system requested salary/homeowner informationPhone system did not ask for permission to do a hard-pull from credit bureau before proceeding. 
Phone system denied credit line increasePhone system confirmed current credit line of $ XXXX was not changed. 
XXXX Pacific - Received email alert from XXXX XXXX Type New InquiryProcessed Date XXXX/XXXX/2015Inquirer Name SYNCBPhone Number ( XXXX ) XXXX XXXX Pacific XXXX Called Care Credit Synchrony Financial at XXXXXXXXMale CSR verified informationExplained to him, I was not given the option to authorize a full hard-pull inquiry into my XXXX report. 
XXXX Pacific - Male CSR connected call to XXXXXXXXXXXX Pacific XXXX She placed call on hold and checked request to remove the unauthorized credit inquiry. 
XXXX Pacific - Female CSR did not have the ability to remove the inquiry once the system pulled it from my credit report. I again explained that I was not given the option to say Yes or No to the phone system before proceeding with credit line increase request. 
XXXX Pacific End CallSynchrony Financial / Care Credit did not have my authorization to proceed with making a hard-pull inquiry into my credit report. The system did not explain my options ( opt-out ) before proceeding. I am requesting the above XXXX/XXXX/15 " SYNCB '' inquiry be removed from my file immediately.
Consumer complaint received 2022-05-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

I have long struggled with the loan repayments as a single mother to a son with XXXX needing special intervention. Despite having XXXX college degrees, I have difficulty making ends meet. I always work full time and have *at least* one or two side gigs to supplement. 

I didn't realize until the pandemic that when I refinanced/consolidated my XXXX XXXX loans to NelNet, I was put into loans backed by private lenders, so I am not qualified for any of the assistance others are getting, including the Covid forbearance OR the Public Assistance Student Loan Forgiveness program .

When I applied for the XXXX XXXX XXXX XXXX XXXX, I was informed my servicer would be notified and I could place the loans on hold for up to a year while the determination was made. I uploaded the documentation, but they did not acknowledge or accept it. Yet, interest and penalties continued to accrue. I have tried a few times to call NelNet and had difficulty reaching an actual person with whom to speak, which was different from past experiences, and this may have been due to the holiday season. 

I uploaded the documentation again, but they did not acknowledge or accept it, and since XXXX NelNet has decimated my FICO by reporting delinquent payments. 

NelNet finally offered a 3-month administrative deferment, beginning XX/XX/2022 ( and still hit my credit reports later that month ), while simultaneously removing the subsidized component from one of the loans. 

I was laid off from my job at an escrow and title company, along with another, because we were at the bottom of seniority and the real estate markets have slowed. This occurred on XX/XX/2022. I have applied and been awarded unemployment and am once again searching for a job. I attempted to update my deferment to reflect this information, and NelNet has denied it, though I am still looking for the reason why. 

NelNet has hit my credit reports for three consecutive months so far. My XXXX has dropped more than XXXX points because of it.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Thank you. 

I am trying to temporarily lift my credit freeze with the three rating agencies in the US ( Equifax, XXXX, and XXXX  ). I was easily able to lift the credit freezes with  XXXX  and XXXX  using their online systems. 

My complaint is with Equifax. I can not access my account online, even after I reset my password, and received this message online : 'Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '. See my attachment. 

I called that number and provided all sorts of personal information and then the call ends with the computer voice saying no one can help you at this time. Then my banker gave me another phone for Equifax, XXXX XXXX XXXX and I have called that number five times and each time after going through the menu it just rings and rings and no answer and the call is cut off. 

I searched online for reviews of Equifax and others experience the same things, delays can't get through, comments about the company now using overseas call centers for our data??!!! I am EXTREMELY CONCERNED that this company continues to fail even after the data breach of XX/XX/2017. The government needs to step in and shut this company down or see what is going on because it is not working and if this is the experience from the consumer interface on the outside, then I can only wonder what is going on the inside and the risk of another breach. 

Please let me know you received this complaint about a hugely important matter to consumers and the US economy. I can not get a loan without all three companies lifting the freeze and Equifax is holding it all up due to incompetence or worse. 

Thank you AL
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I recently received an adverse action for a property I was trying to get, so I pulled my credit report and saw that I had the following inaccurate information listed : XXXX  account # : XXXX - inaccurate should not be on credit report and XXXX  account # : XXXX - inaccurate late payment should not be on credit report, it should show all payments on-time. 

I am certain that this information is why I did not get the property. I would like to submit a dispute in reference to the following : Experian credit report has the following inaccurate information still listed : Also known as : XXXX XXXX XXXX, XXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, IN XXXX, ( XXXX XXXX XXXX XXXX XXXX, IN XXXX SHOULD NOT BE LISTED AS IT VIOLATES MY RIGHT TO PRIVACY AS THE CONSUMER ) ; Closed accounts : XXXX  ACCOUNT # : XXXX and Late payment on XXXX  ACCOUNT # : XXXX ; Inquiries : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian did not conduct a reasonable procedure to ensure my credit report included maximum accuracy. Unfortunately, I do not have confidence in their system and will no longer extend credit due to the adverse affects of this inaccurate information. I have previously provided my information so that they could verify me through multiple factors, however, they choose to ignore the law.
Consumer complaint received 2021-06-08
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. (CA)

I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXX account XXXX-Innaccurate information XXXX  shows XX/XX/2020 date opened and Equifax shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh XXXX  and Equifax XXXX  has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus.

XXXX-Not my information XXXX/XXXX- reporting inaccurate information with all 3 bureaus.

.
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00} - Bankruptcy XXXX  XXXX # XXXX
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo everyday checking account ending in XXXX. I reached out to Wells Fargo by phone and also sent them email to close this account almost 3+ weeks back. But it seems Wells Fargo didn't close the account for unknown reasons. On top of that Wells Fargo charged me {$10.00} fees for no good reasons.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I reached out to this company XX/XX/2022 and informed them that they are reporting charge off on my consumer report. Its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and the company must file a 1099-C.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (NJ)

I have been dealing with a discrepancy on my Equifax credit report since XXXX. My birthdate is wrong on only my Equifax report and I have disputed it a dozen times. Every time I speak to them I get a different story about what needs to be done and why it hasn't been resolved. Multiple times the dispute has come back as " verified as reported '' and Equifax is refusing to give the information on who is reporting the wrong information. This should be a simple fix and has been nothing but simple. 

Here are dispute dates along with case numbers just from the past XXXX years. 

XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # unknown Disputed via phone employee said he could do it right there and then since it had not been changed after prior disputes. After seeing supporting documents, he fixed it and I verified it by logging in. Upon logging in two weeks later it was back to being wrong again. 

XXXX dispute not initiated called again and employee refused to give company that is supplying the wrong birthdate, I ended up asking for supervisor and was put on hold and came back multiple times to ask if I was sure i wanted to speak to a supervisor and each time advised yes and then after XXXX min of being on hold the call disconnected.
Consumer complaint received 2022-10-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX is not affiliated with XXXX they can not disclose any nonpublic information to XXXX without my consent which I have not given any consent.
Consumer complaint received 2022-07-30
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)

XXXX and Equifax are in violation of the FCRA. They are continuing to inaccurately report account # XXXX ( XXXX XXXX XXXX XXXX ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on XXXX and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.
Consumer complaint received 2022-09-13
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. (PA)

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 2022-10-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (OR)

I submitted Western union with copies of the money orders I purchased. Now they are requesting proof I sent copies everthing. I have no of those things anymore because my house was robbed and XXXX XXXX XXXX XXXX for XXXX lost all personal documents. I submitted {$2500.00} in moneys to them {$1000.00} {$1000.00} {$400.00} {$100.00} to date I have not received anything from them. This information was mailed in XXXX, XXXX.