davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (SC)

The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.
Consumer complaint received 2022-11-11
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: Cascade CISS Holdings, LLC (MI)

Adverse information was found on this credit report, Name has been fixed, and addresses and phone numbers are correct. Falsified credit card closed from XXXX XXXX, Hard Inquiries unjustified and can not clearly explain which ones are legit. Please remove all Thank you!
Consumer complaint received 2022-02-24
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. (VA)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (IL)

To whom may concern, I'm having issues with my mortgage company : First home Mortgage. 

XXXX. On XX/XX/2022 - My family received an " annual escrow account disclosure statement and change of payment notice prepared for '' - stating that the mortgage payment for our house will be increased by {$2600.00} dollars a month by XX/XX/2022. 

XXXX. After doing our own research we discovered that the property tax bill was calculated incorrectly by the DC government and the mortgage company has made a payment for the incorrect excessive amount that was increasing our mortgage. 

XXXX. First House Mortgage was notified immediately requesting for us to contact the Government of the District of Columbia to correct the property tax bill. 
We immediately proceed to contact XXXX, and after our request, a new tax assessment for the property was provided on XX/XX/2022. The " STATEMENT OF PROPERTY '' ( attached ) specified that a correction was made an a tax credit of {$13000.00} has been applied to our account. 

XXXX. The same day - XX/XX/2022, we reached out over the phone to XXXX XXXX XXXX to request the correction of our Annual Escrow Account so the monthly mortgage payment was corrected and would reflect the monthly payment with the correct value. 

XXXX. Repeated calls and communications were necessary to explain the situation to First Home Mortgage and to request them to collect the credit from XXXX. 
At this point, my husband and me - the owners of the property - can't understand what was the reason for their negligence to collect the credit and correct the account. 
After a week of constant requests, we were informed on XX/XX/XXXX that even after collecting the credit from XXXX a new Escrow Account Statement was needed to show the correct Monthly mortgage payment making us wait additional weeks. 

XXXX. On XX/XX/2022, we received a new Escrow Account Statement, however, the statement does not apply the full credit provided by the government to the account and still requests the additional {$2600.00} dollars a month for the XXXX and XXXX mortgage payment. 

XXXX. After calls on XX/XX/XXXX, XXXX, and XXXX to try and obtain information from First home Mortgage they CAN NOT explain the reason behind not applying the full credit to the account. 
The only solution provided is that " They have made a mistake '' and all we get is : " we are sorry but you have to make the payment otherwise late fees will apply '' and if they make the correction at some point they will provide the difference as a credit.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/22, I received a notification from XXXX XXXX XXXX that Wells Fargo Bank verified my identity as part of a new account opening. I have not done any business with WFB for years. I notified WFB Fraud Department who opened a fraud case number XXXX. I also was able to post a fraud alert with XXXX XXXX. On XX/XX/22, I received another XXXX XXXX  alert that a new bank account was established at WFB. The alert did not specify Ckecking or Savings. I again contacted WFB who stated that they had no active accounts open under my name and told me that they would investigate.
Consumer complaint received 2020-01-17
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. (PA)

My XXXX Secured card reported to XXXX  Equifax And XXXX As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2020-01-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (GA)

My credit is showing Nelnet on my credit as a collection for account number XXXX in the amount of {$840.00} on XXXX. I have called NelNet and they have stated they do not have any late accounts for me and advised me to call XXXX  to which I did and they said that they have no overdue accounts for and I am in good standings with them and they are not showing anything in collects. I need this removed from my credit because I have made all known attempts to find out what it is and how to remove it and neither company has been able to assist me with it and each refers me back to the other company.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (GA)

I want my case to be heard and not simply closed. I've tried multiple times and submitted all documentation for my case to be resolved yet because of the incompetency of suntrust employees and false accusations that I haven't tried to sort this out with them is a complete lie! I have supported all documents and more what else do you want!! I've talked to several agents and I keep getting the same feedback and nothing has been done. I've provided all documentation : bank statements and letters that prove I've paid on time. They are still pretending to not have the money. This is ungodly and immoral to the tenth degree. 

I also filed a dispute with XXXX  to make them aware of what is being done to my account. 

Also suntrust has sent another breech of letter and a statement of XXXX. They are planning to ruin my account and credit. I don't how else to express this is plain english and no one is doing any thing to help me. I'm clearly not dealing with any human beings!!
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (PA)

Account Shows Late/Charge off. This account was never late. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

While in flight on a XXXX flight they advertised XXXX XXXX Credit Card which provides for priority boarding, free standard check bags and united passes. I was able to fill out application inflight by connecting to the XXXX XXXX. My application was approved and instead of giving me the XXXX XXXX credit card they advertised they issued an XXXX XXXX card that does not offer any of the benefits that XXXX XXXX card they advertised. The XXXX XXXX card is issued by Chase. It is a classic baiting and switching.
Consumer complaint received 2021-01-17
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. (IL)

Equifax is reporting account derogatory or delinquent. The creditors are saying they are not reporting this information to Equifax. Equifax and the creditors keep saying it's the other party reporting the incorrect information.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My FICO Score reported on my XXXX  account decreases from XXXX XXXX XXXX without any reason from XX/XX/2022 to XX/XX/2022. 

I call Transunion today XX/XX/2022 to check what happened, and they didn't find anything harmful on my credit report that my affect my credit score that way, the only report was that I applied today for a Credit Card on XXXX XXXXXXXX that got approved, and I applied after I check my FICO score, so this is not a reason. 

The agent told me to get help on this platform.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I began conducting business with Lexington Law in XXXX of XXXX  and my services were cancelled in XX/XX/2021 by Lexington Law. The final 3 months of services were not fulfilled on their behalf. As a result, when I contacted Lexington Law recently, I was notified that I owed them {$300.00} for services which were not rendered. 

During the final 3 months of services, I never received communication in regards to the services that were provided and there were no updates made available to me in the form of verbal or written communication.
Consumer complaint received 2022-02-24
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. (CA)

XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 instructions
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

RESUBMISSION : I reached out to IQ Data XX/XX/XXXX and I never received anything back from them. I am seeing that they received my letter and instead of replying back with information on this alleged account they have " increased the balance '' of the account. I have uploaded the green slip that shows that I mailed off a letter to request validation and again nothing was received except for these notifications that the balance that the account amount is increasing. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Atlanticus Services Corporation (AZ)

To whom it may concern.

I fell behind on my credit card payments and a personal loan due to job loss. I havent been able to recover since. Its been a real struggle for me. Im Filing for XXXX. I want to get my credit fixed as much as possible. 
Sincerely yours XXXX.
Consumer complaint received 2020-01-16
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. (GA)

Equifax Credit Information Services , Inc. continues to stall with regard to credit investigation. They asked that I confirm my identity almost a month ago. I sent in documents requested, and I get another letter requesting the same information. This is some type of stall tactic that this company is utilizing. But, I don't understand why when the law clearly states I have a right to request investigation of my [ personal credit ] report. Can someone please reach out to Equifax and ask them why they are refusing to check reports for errors?
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/XXXX, someone, most likely a PayPal employee, accessed my account, linked a new XXXX XXXX account, and transferred {$28000.00} to that new XXXX XXXX account. I notified you of the unauthorized transfer immediately on XX/XX/XXXX and also notified XXXX XXXX of the unauthorized transfer. XXXX XXXX restricted the account as an identity theft account, and requested instructions from PayPal to return the funds. PayPal refused to acknowledge that the transfer was unauthorized, and therefore refused to provide instructions for XXXX XXXX to return the funds. After almost 2 months, and dozens of phones calls, and countless hours of hold time, by myself, and Detective XXXX of the XXXX, XXXX Police Dept, PayPal finally informed me that you have provided instructions to XXXX XXXX to return the funds. 

XXXX XX/XX/XXXX, XXXX XXXX transferred {$27000.00} back to PayPal. As of today, XX/XX/XXXX, PayPal has yet to return the funds to my account, claiming they can't find the funds. That is obviously not credible. The instructions that PayPal sent to XXXX XXXX would include the beneficiary of the funds to be returned, with my name and account number, etc. It is not credible that {$27000.00} was transferred back to my PayPal account, yet PayPal can't find the funds after 2 weeks of searching. 

PayPal has done everything possible to avoid returning money stolen from my PayPal account, back to me, even with the money still sitting in a XXXX XXXX account ready to be returned. Now that the money has finally been returned to PayPal, PayPal is pretending you can't find it!!!!!!
Consumer complaint received 2022-02-23
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)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

I bought an item that required I wire the money to the other which is XXXX XXXX for XXXX on XX/XX/2001. To my surprise they sent me an email stating they transfer the same amount of money to the same bank on XXXX XXXX. Since then I am fighting them to correct that mistake and they did nothing to remedy that issue. I even spoke to a case manager on that same issue whose name is XXXX and the case number is XXXX. For a month I am unable to pay my bill because of their mistake. One of their representative told they can try to recuperate the money but I will get less of it.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 



Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by ALLY FINANCIAL. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social XXXX XXXX XXXX XXXX XXXX number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2020-01-15
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: FactorTrust, Inc. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

*XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX* {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX* XXXX XX/XX/XXXX *XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX* {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX