davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

XXXX with PayPal 's XXXX XXXX XXXX XXXX I need your help again. 

I dont know why they put another limitation on my account without any reason. 
they ask me for documents and i do not has time for send the documents. 

XXXX XXXX please help me. 

XXXX XXXX
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-03
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. (CT)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-19
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. (MD)

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( equifax, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (OH)

I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX nm three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

I have contacted Fed Loan Servicing for the past several years regarding late payments showing on my account from XXXX and XXXX of 2017. I applied for a hardship forbearance like I have in many years past for the 2 months in question in XXXX of 2017. I called on several occasions and was told that it was being processed. I was eligible for this forbearance because I was going through a temporary financial hardship at this time. I was told at one point that I completed the wrong type of hardship and had to do another. In the meantime, I had no idea I was being reported as late. This was my first and only time being reported late to the credit bureaus. I called to dispute and was asked to submit a formal dispute which did not turn out in my favor. My hardship was ultimately processed, but I was still reported as late. I am asking that my credit report be updated to show that the payments were in forbearance as discussed with a representative during that time.
Consumer complaint received 2022-04-19
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)

In accordance with the Fair Credit Reporting Act, the item listed below has 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 an account without my written instructions.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (IL)

I went to a web site to a company that said they would help with my credit scores. I deposited money in the account they gave me to start the program to help restore my credit for better standing. I first deposited {$27.00} ... the amount to deposit was {$9.00} ... instead I gave them, XXXX ... the next payment I gave them was {$100.00} ... I thought I was to get the card... but later found out ... I had to put the entire {$500.00} in the account before I get the card ... I later found out ... that I had an emergency bill I had to pay ... I asked them to close the account ... that I needed my money to pay a bill ... That was a week ago... I sent them an email... they emailed me back..and said they were going to deposit my money into my Bank account at XXXX that same day... and it would take a few days... I got back in touch with them again, and they said they had submitted the payment, that has been going on now for almost two weeks, and these people have not gave me my money yet. I believe they are trying to keep my account open, so they can go back into my account and get a payment of XXXX ... and report to the credit bureau that i am late to bring my credit score back down ... I have called them I don't know how many times ... I have held their phone at least an hour and no one comes to the phone..They just will not pick up their phones ... even if they give you a time... neither have anyone called me back and I have left my number for them to return my call and I have sent them emails and they still have my money and will not put my money back into my account.
Consumer complaint received 2019-07-03
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. (GA)

There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$140.00}
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

Pursuant to federal law, Chase Bank is in violation of Federal Law 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance
Consumer complaint received 2019-07-03
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. (NJ)

On XX/XX/2019, XXXX 's XXXX XXXX made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (LA)

XXXX XXXX position was marked with a discrepancy found in XXXX XXXX. I am currently employed with XXXX working as a XXXX XXXX XXXX  XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX refers to all employees as XXXX XXXX. The terms are used interchangeably. HireRight verified I am currently employed with the company but downplayed my job title. Job duties of my current position includes XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My offer letter received from XXXX states I am working with XXXX with shows that I am a XXXX XXXX There should not be a discrepancy on my report as I reported ACCURATE information. IF this cause me to lose my current job offer, I will be filing a Lawsuit against HireRight. Also I submitted a check stub to HireRight to verify some information and HireRight has not responded and updated my reported. They have marked the error as CLOSED without reviewing the Check Stub PROOF I submitted. HireRight is creating FALSE DISCREPANCY on my background check which may cause me to lose my current job offer.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}
Consumer complaint received 2022-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax is reporting an account which does not belong to me with XXXX XXXX XXXX for {$66.00}. I have never had an account with this firm. The credit reporting brokers have not removed the account despite my disputing it. THIS CAUSED A Major drop in my credit score rating.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DE)

I spoke with a Wells Fargo customer service rep on XX/XX/XXXX over the phone to request closing my checking account. The rep stated they need to zero out my balance then submit a request via secured message to have the account closed. I logged into my account to make a bill pay to zero out my account on XX/XX/XXXX. On XX/XX/XXXX, I submit a secured message to Wells Fargo to request account closure. A prior account closure request submitted on XX/XX/XXXX was not processed. A customer service rep emailed me back this time and stated that she will close my account when the balance reached {$0.00} as the bill payment is still processing. I thought the account is already closed until I received a negative balance notice because of a {$10.00} minimum monthly fee charged by Wells Fargo on XX/XX/XXXX. I contacted customer service to asked for fee waiver due to the account closure request submitted in XXXX but they would not budge claiming it was not their error and I need to maintain a {$0.00} balance before they can close my account. 

Wells Fargo is putting in barriers to make it hard for me to request a bank closure sothey can earn bank fees. They did not process the account closure request as submitted on XX/XX/XXXX and charged a $ 10 monthly minimum bank fee on XX/XX/XXXX for having the account open. If the account was closed on XX/XX/XXXX as requested, there would not have been a $ 10 monthly fee. Wells Fargo established burdensome procedures for consumer to close their account in order to charge hefty bank fees.
Consumer complaint received 2019-07-04
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)

ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion and XXXX are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (AZ)

The company wants payments on payday. I gave them my paydates - every other Thursday. For the entire period of the loan they have taken the payment on payday - thursday. Today they took it early causing my bank account to be overdrawn. I tried to contact them and wort it out. They refused and refused to give me contact information for other departments. They never disclosed that they were tribal owned and that my litigation rights would be impacted.
Consumer complaint received 2022-09-30
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: Nelnet, Inc. (LA)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

HAVE A FRAUDULENT CHARGE ON-LINE CHARGE ON MY APPLE CARD WHICH IS THROUGH GOLDMAN SACHS. THIS CHARGE IS FROM XX/XX/2020. AMOUNT IS {$560.00} & HAVE BEEN DISPUTING IT SINCE THEN. THEY LOOK INTO IT, CREDIT ACCOUNT TEMPORARILY THEN RE-CHARGE ACCOUNT NO MATTER WHO I TALK WITH FROM APPLE & GOLDMAN SACHS. I HAVE FINALLY RECEIVED A COPY OF THE CHARGE FROM GOLDMAN SACHS & ITEM WAS DELIVERED TO AN ADDRESS IN XXXX, PA. I ALSO RECENTLY FILED A FRAUD POLICE REPORT & SENT THIS IN WRITING TO THEM. AND AGAIN GOT A TEMP. CREDIT FOR A WEEK OR SO & THEN CHARGE RE-APPEARS ON ACCOUNT. NOT SURE WHAT TO DO AT THIS POINT? THX.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2022-08-19
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. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction
Consumer complaint received 2019-07-03
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. (GA)

To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

They call XXXX times over a XXXX min period at the very start of my work day, XXXX a.m. they use a different number and a different agent and known of them are aware that they just contacted me. I have asked them to stop calling so much and during my work hours but they increased the number of calls lately. It's becoming a problem for me at work and my boss is starting to notice the non-stop non work calls.
Consumer complaint received 2022-09-30
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. (FL)

I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-02-10
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)

I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.
Consumer complaint received 2022-04-19
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: JPMORGAN CHASE & CO. (TX)

I have been addressing this problem for over a year. JP Morgan Chase is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of JP Morgan Chase. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed J.P. Morgan Chase to change a XXXX business account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX Business Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from JP Morgan Chase.