davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

See my previous complaint with you. It was never resolved. 

Equifax needs to fix my name and restore all my credit history that they apparently wiped out! 
New name : XXXX XXXX XXXX Old Name : XXXX XXXX XXXX SAME SS #. Same address. Same everything else! 

I have filed dispute after dispute and uploaded documents. They are still unable or unwilling to fix my credit files with them. 

In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all XXXX bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

I've even posted the problem on Equifax 's social media sites. They admit there's a problem but offer no remedy to fix it. 

I filed this same complaint with you months ago. It was NOT resolved. 

XXXX and XXXX both fixed ( changed ) my name immediately and maintained all my credit and employment history.
Consumer complaint received 2022-09-28
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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-28
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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After Equifax, XXXX, and XXXX conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

EQUIFAX Merchants Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAXXXXXTRANSUNION XXXXXXXX XXXXr XXXX Account Number XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount : {$950.00}
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

My father passed away in XXXX of 2021. He has business accounts at Wells Fargo. I am the executor of the estate and have become the member and XXXX XXXX of the XXXX. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. At first they just kept telling me theyd call back when they found out what the next steps were but now they dont call back or return my emails. I need these accounts to XXXX  the XXXX.
Consumer complaint received 2022-09-28
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: CITIBANK, N.A. (CA)

I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a discover I have a service called credit wise through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting Act XXXXt Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TekCollect Inc. (IL)

It's a very old bank account with XXXX XXXXXXXX XXXX that was paid in full then closed. It's being reported monthly to XXXX by TEK COLLECT. Unsure why. 
Called XXXX XXXXXXXX XXXX  on XXXX, spoke with XXXX who informed me he had no idea why. Called TEK COLLECT also on XXXX, spoke with XXXX. I gave her the account # XXXX which is what's listed for their agency on my XXXX credit report, and XXXX could find no information in her computer on me. 
This is a very negative mark on my credit that has prevented me from opening a new bank account, and getting a home loan. I'm unsure of how else to resolve it.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

I have opened a checking account and savings account with Discover Bank last XX/XX/XXXX since they have an offer that if you made a {$25000.00} deposit within 30 days they will give you {$200.00} bonus. We decided to transfer our savings account from XXXX XXXX XXXX to Discover since they also have a higher APY. Gradually, I have transferred my money to Discover and I already closed my XXXX XXXX XXXX savings account. 

I even moved my direct deposit payroll account to Discover Checking Account. 

My total money at Discover is about XXXX for the checking and XXXX for the savings account. 

All of a sudden today, XX/XX/XXXX. I received an email saying that both my checking and savings account at Discover is being closed. I called customer service and they only said that it was due to business decision and they will give my money back via check after 60 days. 

I tried to ask for a manager but they said no one was available. I transferred my savings to Discover since I wanted my money to earn more interest. I was a Discover Card member since XXXX and I am not sure why they would just close my checking and savings account just like that without any notice or someone calling me why they are doing that. 

That money is for my daughter 's college tuition fee which is I am going to use for her enrollment for this coming semester. 

The total money in question is about $ XXXX. I can't wait 60 days to get my money back. I can't access my account anymore since they already close it. 

Appreciate your help regarding this matter so I can get the money I deposited to Discover bank. 

Thank you very much.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NV)

I took a loan for my XXXX model y, XXXX from US Bank. The loan was paid off on XX/XX/XXXX. 
US bank took ten days to process the loan payoff and issued a title release to the department of motor vehicles in the state of Nevada. However instead of releasing the title to the owner of the car ( XXXX XXXX ), they issued the title to themselves. 
The title was shipped from XXXX on XX/XX/XXXX to a XXXX XXXX XXXX Ohio which belongs to US bank. 

We have called US bank multiple times to address this issue and have not gotten a clear response. Someone from their end has made a mistake and now they are refusing to acknowledge that they have the title. 

Nevada XXXX issues titles only once a month and it's not easy for us as owners to request a new title and XXXX has indicated that we may have to wait until XXXX next year to get a new title due to the current backlog. 

I took a deposit for my car and needed to sell it and because US bank is refusing to return our title, the sellers are backing out. The value of used cars have since depreciated significantly. 
US Bank hasn't shown urgency in this matter and have given us quite the run for our title and money. 

On multiple calls with US bank, I have received different information from them. Their records are not up-to-date and the customer representatives lie to us about when the lien was actually released to the XXXX. They say that lien was released recently on XX/XX/XXXX when I have proof from US bank that lien was released on XX/XX/XXXX. I have attached the copy to this complaint. They even refuse to acknowledge it and say that it's impossible for them to receive the title. US bank has failed to investigate this issue on their end and put accusations on XXXX and us. 
XXXX on the hand has confirmed multiple times that US bank identified the XXXX XXXX XXXX Ohio as the address for sending the title and not the owners. 

We want our title ASAP and US bank should pay the difference of the money we would be losing on our car since they have held on to our title for so long. I am expecting around {$8000.00}. 
Kindly address this issue and respond ASAP. Our next step would be to send a demand letter and a formally file a suit and complaint against US bank.
Consumer complaint received 2022-09-28
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. (NJ)

I dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other XXXX accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these accounts
Consumer complaint received 2022-12-12
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (MO)

My student loans were through fedloan and they switched all of my loans to XXXX. I was given the balance by XXXX which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from fedloan. I called XXXX they confirm they have all of my loans and there is nothing with fedloan. I call fedloan at that time I could speak with someone they confirmed I have no loans with them and I would need to call XXXX XXXX. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted fedloan and I do have XXXX loan with them. I went on fedloan dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to XXXX and they suggested I reach out to you. My student loan balance is XXXX per XXXX  and per the National student loan data base. XXXX doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I notice this Month XX/XX/2022 that the interest charge amount was high. I started checking all my monthly statements back one by one. I was paying an APR Of 11.99 and they started raising it WITHOUT notice every month.As follows, XX/XX/3022. 11.99. % XXXX XXXX 12.24 % XXXX XXXX. 12.24 % XXXX XXXX. 12.74 % XX/XX/2022. 13.49 % XXXX XXXX. 14.24 % XXXX XXXX. 14.24 % XXXX XXXX. 14.99 % XXXX XXXX. 14.99 % XXXX XXXX. 15.74 % I called customer service for this credit card and ask why they increased the APR and why they didnt notified in order for me if I want to decide to keep the Credit Card or closed it. Their answer was just that the government increased interest not them I asked asked again. Why you didnt sent me a letter informing me. And I got no answer. 
I have the monthly statements where it shows the increasing
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

Two unauthorized XXXX transaction/transfers were taken from our account in the amount of {$250.00} each on XX/XX/XXXX. 
Someone from XXXX marketplace offered to buy our XXXX that was posted for sale via XXXX. XXXX sent an email message acknowledging a deposit into our account and instead took unauthorized funds. The fact that PNC owns part of XXXX and PNC nor XXXX have responded to our complaints ( 2 to each ) nor offering any assistance in getting scammed money back. 
The company hast to know where the money went and they could get it back since it was an unauthorized in complete transaction. 
I now understand that this is a common practice. However, PNC markets this as the safest way to transfer money. Unacceptable. 
XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

I have been trying to request a payment link from Grain, once on XX/XX/XXXX and again on XXXX, to prevent any late payments from being reported to the credit bureaus. As I have previously experienced on several other occasions, I have not received any response back from either email and now my account is past due. The turnaround time for this company 's response is the worst I have ever seen and no one is ever available to answer phone calls. My credit payment history is now jeopardized as I am not able to log into my account or make a payment. On XX/XX/XXXX I received an email notification that they will auto draft the payment from my account, but that never happened and I am not able to log into my account. They are requesting that I provide PII ( Personally Identifiable Information ) via email which I am highly concerned with doing especially with a company that does not answer phone calls or respond promptly to service desk tickets. I am requesting that you pause any credit reporting until I am able to regain access to my account and remove any negative remarks. Additionally, I am requesting the required steps to regain access to my account as I have submitted the requested documentation with no response from Grain Technology and I am still locked out of my account. There are numerous complaints with the XXXX XXXX XXXX  regarding similar issues with many other individuals. This company is making it difficult to to stay current on my account as they have prevented access to my account and do not respond to email or support tickets. Their phone number is an endless loop so you are never able to get a response from a human or a timely reply to support tickets. They claim to offer a payment link on request, but I am not even able to get that because they do not respond to support ticket requests.
Consumer complaint received 2022-09-28
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Consumer complaint received 2022-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (KS)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX ) XXXX Phone ( XXXX ) XXXX http : XXXX They have been trying to collect on an auto loan that has been paid off. XXXX XXXX # XXXX balance {$8900.00} date opened XX/XX/2021 for Carmax Auto Finance # XXXX