davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (CA)

I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (MT)

Experian removed to old credit cards called Applied Bank in XXXX of this year, then I get a notice in XXXX of this year that they put them back on, These two entries are not valid, and the credit beureau can not remove something and then decide to put it back on, I had worked for years to get this taken care of. Experian is a joke and they did not follow the laws
Consumer complaint received 2022-09-05
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-05
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. (FL)

CFPB + Equifax, I have an unauthorized hard credit inquiry on my credit report I do not recognize and would like to have removed from my credit report. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where it is located on my credit report Please have this unauthorized hard credit inquiry removed as soon as possible.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I transferred {$3800.00} to XXXX on XX/XX/XXXX using my personal JP Morgan Chase ( " the bank '' ) bank account online. 

Until now as of XX/XX/XXXX, the recipient still have not received the money. 

Here is the journal of my communication with the bank : on XX/XX/XXXX : contacted chase bank with it's secure message system stating that my recipient still has not receive my money and it's been XXXX  days since XX/XX/XXXX. with no responds. 

on XX/XX/XXXX : Contacted chase bank with it's secure message system stating that my recipient still has not receive my money and it's been XXXX  days since XX/XX/XXXX. with no responds. 

on XX/XX/XXXX : The bank responds by assign me a reference number XXXX and forwarded my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. 

on XX/XX/XXXX : The bank responds by assign me a reference number XXXX and forwarded my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. 

on XX/XX/XXXX : contacted chase bank with it's secure message system stating that there is no respond so far from anyone in the bank. 

on XX/XX/XXXX : Called Chase Personal BankingXXXX, I was shuffling between different department, got disconnected and ask me to return to personal banking again and still nobody respond my concern. 

on XX/XX/XXXX The bank responds through secure message systems stating that they are forwarding my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. '' Again it is exactly the same message as previous one. 

As of today, XX/XX/XXXX, my recipient in XXXX still has not receive the money yet. 

I do understand that international wire transfer required more time that's why I even waited for XXXX days after initial transfer to contact the bank. But after contacting the bank for more than 3 weeks with no resolution is beyond frustrating. It is unbelievable that I received a bad customer service from a biggest bank in the United States. 

This is a failed wire transfer from the bank and should immediately recall and give back to me. 

Please help schedule a recall for this money to be refund back in my bank account. 

Thank you.
Consumer complaint received 2020-08-18
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX {$43000.00}
Consumer complaint received 2022-09-05
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. (FL)

CFPB + Equifax, I am writing to have 2 unauthorized hard credit inquiries removed from my credit report. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located Please have these 2 unauthorized hard credit inquiries removed as soon as possible.
Consumer complaint received 2022-09-05
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. (FL)

CFPB + Equifax, I am writing in to update my correct address on file with Equifax and to have all other non correct addresses removed : attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Equifax where these are located Please have this updated as soon as possible.
Consumer complaint received 2022-09-05
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)

A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being removed
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/22 I was applying for an online loan and was scammed through the company that stated that they were XXXX XXXX and that they used XXXX for verification. {$400.00} was taken from my account. I immediately contacted my bank and filed a claim and had to close my account. My bank is still trying to get my money back, but hasn't had any luck yet with it. So I was scammed and would very much like my money back!!
Consumer complaint received 2022-10-01
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: AMERICAN EXPRESS COMPANY (MA)

I opened an Amex XXXX XXXX card in XX/XX/2022. As a part of opening the card, there was a promotion of XXXX skymiles points if XXXX or XXXX $ was spent within the first XXXX months. I used the card to make a $ XXXX purchase within the first XXXX days. I called to confirm that I had reached the terms of the promotion and to ask when I would receive the skymiles points. I was informed that I had achieved the required terms and that I would receive the Skymiles points after XXXX months or XXXX statement cycles. After that conversation, I called to inquire about closing my XXXX Amex gold card. I asked if there would be any issues with the points on the XXXX card or the XXXX card. I was told no issues and continued with closing the Amex XXXX gold card. Today XX/XX/2022, I called to inquire about the promotional Amex XXXX XXXX card points that I was told I would receive after the XXXX cycles/months. I was informed that since I closed the gold card within the XXXX months/cycles that it had voided the terms of the promotional offer. The terms of the offer that were cited are the following : " Welcome offer not available to applicants who have or have had this or previous versions of this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. ". I told the representative that I was misled and that the wording in the terms was very vague. I asked to talk with a manager and was told that I was talking to the equivalent of a manager. The issue was not rectified during the call and I submitting this to ensure that the issue is appropriately investigated.
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (IL)

This has been going on for over 2 years now. XXXX is trying to collect a " debt '' that doesn't exist. On XX/XX/XXXX I moved to another address, and completed a " transfer of service '' from my old address to the current one. When I first received a notice that I owed a past due balance ( this was around XXXX of XXXX ), I called XXXX and they apologized for the inconvenience, and assured me that the balance would be removed. Several months later, I got a similar notice. I called XXXX again. They advised me that there was no balance showing on the account for ANY of the previous addresses, and that I should disregard. Fast forward to mid XXXX, I start receiving notices from XXXX XXXX XXXX ( Debt collector associated with XXXX ) that I owed over {$400.00}. On XX/XX/XXXX, I filed a complaint with Consumer Financial Protection Bureau and on XX/XX/XXXX the issue was supposedly resolved. XXXX XXXX stated this in response to the complaint I filed : " ... .In response to this complaint, XXXX XXXX has closed this account in our office and returned it to XXXX XXXX If you have any further inquiries regarding this matter, you may contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns .... '' Now, I'm getting a notice from I.C. System Inc for the SAME EXACT THING. I do NOT owe XXXX any amount of money. They are mistakenly trying to collect a debt that I do NOT owe. They have told me SEVERAL times that " this issue would be resolved '' or " I don't see any past due balances on your account '', etc FOR OVER 2 YEARS NOW.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi AAdvantage closed my account on XX/XX/XXXX the letter says they closed my account because of one or more late payments or a returned payment. I have not one returned payment on this account nor do I have a 30-day late. I have had late payments from the pandemic but not where I was even 30 days late I have had a good standing with this account And I have had it since XX/XX/XXXX. They are treating me unfairly.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Finance LLC (DE)

XXXX XXXX repo a car from me a XXXX XXXX. i have been paying on this car for over a year with high interest rates and double payments a month. Like i said this company mislead people they give you a 60 months quote to get the high interest rates then reword it as number of payments so you pay back faster and already know your salary during the loan applications so they double payments so it make you hard to pay for them cause they know the amount of money you need a month to pay your bills with so the double up your payments lie to you and say they have there own insurance and but its really debit cancellation so no matter what they get there money from the car your payments and then reposes the car because they know when they started the loan. thats what loan sharks due and that's what American Finance do thats why they approve only bad credit people but i stop paying on the car because XX/XX/XXXX the tags and registration went out on the car in the loan you can see that they charged me for a 2 year tags and only gave me a XXXX year tag and the car wont pass expectation i called them they tell me they have nothing to do with the tags but do you want to make a payment that's on the dealer so. I called the deal they told me they have nothing to do with the car car no more because it belongs to American Finance now so now i called motor vehicles they told me that's on you and the finance company i called back they keep lying saying that they have nothing to do with the tags and i a email i have i will proved state they never charged me for tags and registration and i have the loan that's say the did and i will proved that to so until i got my tags i withhold payments so they repo the car its funny how they want me to hold up to my contract if you read in the last complaint filed they said you signed the contract and we just collection on what you signed but they not acting on there part of there contract that states they charged me for a 2 year tag with interest. they still want there payment but i got get the car register and tagged and paying for something that should have had this done already no more money out my pocket out my pocket and they still want a payment and never give me my tags but since i didn't pay I didn't obey by my contract they reposed the car. This is the biggest rip off company there is in fact i will you proved you with a email catching them in a lie and everything but still they have the right to reposed a car when they didn't proved what they say they was going to due this prove right here this loan was done on purpose to bring financial harm to me that's what loan sharks do
Consumer complaint received 2019-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (VA)

Professional Credit Service for XXXX XXXX. 
In XX/XX/2015 I switched by cellular company & went to XXXX. 
I opted to keep my same phone number. 
When I left XXXX XXXX  I had an outstanding balance of {$50.00}. 
I was planning on paying this balance in XX/XX/2015 along with any late fees that were accrued. 

In XX/XX/2015, XXXX XXXX  starting charging me for 2 months of service. 

When I reached out to them for an explanation, I was told because I did not notified them. 

This is a TOTALLY false statement, because when someone changes providers the new company ( XXXX ) will contact the current company ( XXXX XXXX ) to see if the service is still active. 

So XXXX XXXX  was made aware of this. 
I also complained to XXXX XXXX and to the collection agency. 4 YEARS later and I am still being billed, penalized and there is no resolution in sight! 

I am willing to pay the {$50.00} plus REASONABLE late fees, but certainly not the {$200.00} that the GREEDY DEVILS are looking for. 


Please help me to CLOSE this matter.
Consumer complaint received 2020-08-18
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, XXXX and XXXX are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as XXXX XXXX
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

WESTLAKE FINANCIAL SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. 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 account removed from my file. 
WESTLAKE FINANCIAL SERVI XXXX Opened XXXX XXXX, 2020 Balance {$8300.00}
Consumer complaint received 2019-11-30
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: Clarity Services (GA)

I want to report that a fraudulent account is in my credit report, in the pass I had been victim of data breaches in the web, please help me so resolve this issue, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2022 I sent two instant transfers of {$500.00} to my debit account from my Venmo account .I had not used my Venmo in a year and I did not realize the debit card and account was closed. I spoke with someone at Venmo and they said the transfer had already gone through and to contact my bank. I contacted my bank and they said the account is closed and the payment should be returned back to Venmo. I spoke with Venmo and they said it should take 3-5 days to show a credit. I then spoke with them after some days and they still showed the transfer had gone through. I then spoke with my bank again and the assured me that was not possible to a closed account. I spoke with a supervisor at Venmo and they said the would sent my info over to the escalation dept and they would have an answer for me in 6-7 days!! Huh? I have done plenty of banking transfers and I have never seen one take this long or basically not being able to track the transfer. No one seems to be able to find my money!! Venmo supervisor said she would keep me in a email loop to see what's going on, but no one knows anything. As of today it has been 11 days. This is completely unacceptable!!! Please help getting this resolved! i removed the old debit card and cash out another {$17.00} and it went to the old debit card!