davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (TN)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " XXXX XXXX XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the XXXX XXXX " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!
Consumer complaint received 2021-12-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX, a XXXX XXXX i used to go to posted on her XXXX page about a successful trading with her XXXX investor coach XXXX ( XXXX name ) by Bitcoin mining and that she was able to withdraw her profit of $ XXXX plus by shelling out only $ XXXX. She encouraged us to do the same and that we should message her coach. And so i did, after i sent the money to XXXX via XXXX she sent me the cryptoemprextrades.net website info to set up an account. I called Wells Fargo XXXX to dispute it as i felt uneasy and stupid but I kept getting the automated reply to call back after the holiday. 
XXXX got back with me, and at this point, there was already {$7900.00} in the account with {$6900.00} available for withdrawal. I tried to withdraw money to make sure it wasnt a scam but i was told by both XXXX and an agent from the website that i needed to pay the upgrade fee first of {$2200.00} or more depending on the brokerage level status that i choose, otherwise, i will not be able to take any money out. I didnt send any more money as things were not adding up anymore. 
I messaged XXXX but she never replied back. I would not have believed this if it was from a random post but since it was from someone i know, i tried. 
I am still in disbelief that both Wells Fargo and XXXX dont have any sort of a solid process to filter out the scammers. Anyone can easily make an account and potentially use XXXX as one easy venue to scam people. Im still hopeful for XXXX or Wells Fargo to give me a courtesy refund. I dont feel like legit clients like myself are left vulnerable due to lack of scamming filter in their transaction system.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CO)

I tried using LexingtonLaw and I still aint be able to build my credit with a credit card I never had a credit card or a loan I need to build my credit can u help
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/2022, I made a {$5000.00} payment to American Express. The available balance did not increase, which happens with American Express fairly often. Therefore, I knew what I had to do, I called them and then we called my personal bank, XXXX, so they could confirm the funds. XXXX confirmed the available funds. American Express took the payment and then I tried to use the card to pay my rent. I was unable to use the card as within minutes American Express decreased my available credit. 
I called American Express and they listed a number of reasons, however, I find that to be a very dirty practice. They said it had nothing to do with my payment. They said it was a coincidence and just a system generated decision. I find that totally unbelievable and a way for them to get your money and not let you use your credit. I would assume they should give you a little more notice than 10 minutes after they take a payment, especially, a large payment. I find it a very disturbing practice and very distressing. And, I have had a credit relationship with them for over 15 years. They know I have a XXXX XXXXXXXX  and have pulled this kind of thing on me when I was in the hospital and unable to pay my bills and my medications cause they wouldn't update my payment. This is American Express.
Consumer complaint received 2021-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been trying to work with my student loan servicer to request a retroactive bill be created for two months that I was placed in forbearance, that was not requested and without my knowledge or permission. One date was in XX/XX/XXXX with a prior loan servicer, and the second for one day in XX/XX/XXXX when my loans were transferred to another loan servicer. Because of this, it caused me to miss two payments that would have otherwise been counted towards my 120 payments under the Public Service Loan Forgiveness program. Additionally, my loans were in automatic payment and significantly lower in XXXX and XXXX than they currently are because of my repayment plan under the Income Based Repayment plan. 

I requested a manual recount to attempt to correct my payments in XXXX, which were updated in XX/XX/XXXX. My payments were significantly off following the recount, and I requested a subsequent manual review through XXXX in XX/XX/XXXX ( XXXX with XXXX XXXX and XXXX XXXX ). After not hearing back for several months, I contacted FedLoans again on XX/XX/XXXX and told that my request had been changed to an Escalated Review Case # XXXX. My counts were reviewed updated on XX/XX/XXXX, however, there was no retroactive bill created for the involuntary forbearance dates. 

I contacted the FedLoans ombudsman on XX/XX/XXXX ( XXXX XXXX ) who reopened my case # XXXX and notated it as a Second Level Review. I was told that my case would be reviewed and that I would get a response in approximately 7-10 days. Additionally, I have uploaded documentation to show the dates placed in forbearance, as well as bank statements from XX/XX/XXXX and XX/XX/XXXX to show that I was making automatic payments deducted monthly at the time. As of today, I have still not received any correspondence about the status of my request. Including the two payments that would have counted in XX/XX/XXXX and XX/XX/XXXX if not for the non-requested forbearance that I was placed on, I would now be at 120 payments for nearly half of my student loans and able to apply for forgiveness under PSLF. In addition, I will be two months away from applying for forgiveness on the rest of my student loans. 

I have been making and tracking my student loan payments for 10 years now, including annual XXXX recertifications and numerous employment certifications, and hoping to correct this to be able to apply for forgiveness as promised. Thank you for any assistance you can offer.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (IL)

I received a letter from Prince Parker and Associates who is attempting to collect a debt from XXXX XXXX. I have paid XXXX in full when I cancelled my service, but they continued to try to bill me after cancellation, which is what they are attempting to collect on. Prince Parker did not have a right to dispute notice. Despite this, I did send a notice of dispute, along with proof where an XXXX associate stated I will be fully refunded for the amount they were trying to collect from me when I didn't have or use their service.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information that your company, XXXX XXXX XXXX, is still reporting to my Equifax Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating XXXX that this matter would be handled by XXXX of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX XXXX XXXX installment loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Status updated : XX/XX/XXXX Account type : Installment Payment status : Repossession Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$15000.00} Monthly payment : {$0.00} Past due amoun : t {$0.00} Terms : 120 Months Responsibility : Joint Account
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Hi, My name is XXXX XXXX. I am XXXX  who owns my own company called XXXX XXXX. I was denied credit at San Diego Credit Union for a car loan. They said my credit was XXXX, when my account show my credit is XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ). I am filing a complaint against the Credit Bureaus. They are giving inaccurate credit reports on this file. Please check into this if possible.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Bank Of America absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-15
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. (TX)

I need help understanding how XXXX  and XXXX  and equifax just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I attempted to buy tickets for a comedy show in XXXX XXXX on XXXX. The scammer posted tickets on XXXX. I contacted them via phone ( a local XXXX XXXX phone number ). The person said they were only able to meet in person later so requested to send the tickets via XXXX and payment through the XXXX ( actually through the Chase app, which has XXXX payments built in ). XXXX is a service that transfers money from real bank accounts to other real bank accounts. 

I sent {$260.00} to the email address provided by the scammer ( XXXX ). The person then stopped responding and did not send tickets. I then contacted XXXX, their online support told me that I needed to talk to Chase because the transaction was initiated through the Chase app, not the XXXX app. 

I then talked to Chase, they informed me that they did not know who the money went to. They were not willing to stop the transaction or refund the money. They were not even willing to " blacklist '' the scammer. They told me I should talk to the police, but I dont have the information of the person the money went to. Only XXXX and or Chase does. They are not willing to assist with stopping this scammer and protect their customers. 

I have recordings of the conversations with Chase. The files are too large to upload, but I will provide if necessary.
Consumer complaint received 2019-06-23
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. (OH)

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and  was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

I have contacted Americollect Collections after getting a credit notification about negative information on my credit report. Americollect Cllections does not have any contracts with me. After making contact with the listed creditor, who did not verify that I owe Americollect any monies for any services at all. The company did not remove the fraudulent accounts from my report. Americollect Collections is reporting the same account with different figures. 
Americollect {$330.00} Americollect {$160.00} Americollect {$160.00} Americollect {$160.00} Americollect {$150.00} Americollect {$150.00}
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX XXXX at XXXX - my XXXX computer account shows XXXX date as XX/XX/XXXX, and my XXXX shows the date as XX/XX/XXXX - someone, or some group purchased XXXX temporary tattoos through my XXXX account, which were charged to my XXXX credit card ( Synchrony Bank ). XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The XXXX account handles that they were sold by were XXXX and XXXX, both of which are no longer registered accounts with XXXX. The charges added up to {$690.00}. It is absurd that I would order XXXX such Tattoos at XXXX on a Tuesday ( XX/XX/2022, was a Tue ). At some point in XXXX, XXXX emailed me that they suspected fraud and/or unauthorized purchases, and so they closed my account, and they made me change my password. I called and suspended my XXXX credit card. After XXXX attempts to resolve and reverse the dispute, the investigation department said they believed I did not make the charges, but because the tracking number or XXXX order said it was delivered, they were not able to reverse the charge. The product never did arrive to my house. ( I'm to sure how the hacker was able to upload tracking ). It is is true that XXXX of the XXXX tattoos, say they were delivered. XXXX of them do not show that they were completed, and I sent screen shots of this to the investigation team. The products showed that I paid in XXXX dollars, and that it was shipped on XX/XX/XXXX, but if they were coming from XXXX they would most likely not get here by XX/XX/XXXX, as shown on the tracking. I explained to the company that I would not order XXXX and XXXX of the same Tattoos at XXXX on a Tue!
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MI)

they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MN)

I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Over the last 4-5 years, I have filed all the proper forms, via certified USPS mail, notarized, and still incorrect information of all types litter my credit report. I have used phone calls, email, USPS and nothing gets corrected. I have been part of the Equifax data breach, I can not access online account, I was unable to update utilities to my married name this month because of the trouble and I can never get a credit report online. I have all the documents saved as well as receipts.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am requesting to remove XXXX XXXX account from my Equifax report. The reason is some body open that account instead of me and used it. I did not know about existence of this account. I did know about lateness also. Right know this account was closed by credit grantor. Please remove it as soon as you can because it is not mine and never belong to me.