davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (MD)

on XXXX/XXXX/22, I called Westlake Financial to get a extension on my car loan and a representative stated to me that the car was repossessed on XXXX/XXXX/22, Which I shocked being that i was driving the car. Shortly after i spoke with another representative that told me that a repo request was put in that day, XXXX/XXXX/22. Later that morning the car was repossessed. Upon speaking to a representative to see what my balance is to recover it they said {$840.00} plus a {$500.00} repossession fee. After recovering the vehicle, applied to my account was {$650.00}, I called again and the representative and she said she had no recollection of why the representative said that, I then read other reviews of people saying the recovery fee was {$500.00}. And not to mention the representatives are very rude and unprofessional.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc. (WI)

I became a member of credit to checking deposit service called Grain in XXXX. They have increasingly changed their policies over the past year, including, recently, instituting a {$100.00} fee for a year of their " service ''. Having always made timely payments, my account has remained in good standing. However, when I logged into the application on XX/XX/XXXX I was informed by the app there were new " security '' procedures. I proceeded to log in and was subsequently told that they were unable to " verify '' my account ( after 2 years of usage ) and were rescinding my credit withdrawal line. My email to customer service, again, was responded to with their representative telling me they could not verify my identity and that their decision was " final ''. 

It's a curious situation as they did not ask me to verify any information. There was no request for identification documents, no internet-based authentication system, there was absolutely nothing - and no attempt was made to verify my identity. 

Further, this action was taken after I was debited the {$100.00} " yearly fee ''. Essentially, they took funds and did not provide the service. This is patently dishonest.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (SC)

I had filed XXXX XXXX XXXX  in XX/XX/XXXX. The bankruptcy was set to come off this year. I had relinquished a car in the bankruptcy. On XXXX, it was showing 7 years was up on car through XXXX XXXX in XXXX of this year. I disputed it through XXXX. Next thing I know, they got upset and reported me as late on equifax now and showing XX/XX/XXXX instead. I did not have that car long at all. I dispute the fact that it was that long. It should be over. 7 years has passed and now they brought my score down by XXXX points. Please help me resolve. Let me know of anything I can do on my end.
Consumer complaint received 2022-04-05
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)

Equifax refuses to comply with my demands. They continue to violate my consumer right. 
I have made complaint after complaint just for them not to comply. I have being continuously violated by equifax. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 

15 U.S. Code 1681e ( b ) which is maximum possible accuracy.

DEMANDING inquires and collections as well as late payment need to be removed... 


Collections remove!!! 

( 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 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 CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed  Closed XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed
Consumer complaint received 2022-10-21
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. (FL)

On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.
Consumer complaint received 2022-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Skrill USA, Inc. (FL)

As a business owner, I signed up for credit card processing and paid fees and membership. When I cancelled the service - returned the equipment, soon thereafter I received notification someone purchase this collection debt - that I owed them XXXX. 
I complied with their demands- do not understand why they are billing me XXXX- i received no billing and do not understand why I owe them money.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Coinbase is an online crypto currency exchange that allows for buying and selling of various crypto currencies They allowed me to transfer my funds from my XXXX XXXX to them ( XX/XX/XXXX n XX/XX/XXXX ), allowed me to purchase their product ( XXXX ) and then immediately locked my account from selling or buying or withdrawing XXXX fell more than 30 % in price and they denied me access to sell ( after allowing me to buy ). I lost a lot of money due to this and still can not sell my purchased product. 
They kept citing ID verification despite the fact that ( 1 ) been a member since 2016 ( 2 ) they allowed me to transfer funds and buy without ID verify ( 3 ) I have submitted numerous times my drives license, my camera pic, my camera pic with handwritten note
Consumer complaint received 2022-04-05
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)

XXXX XXXX XXXX reported to XXXX, Equifax, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

Equifax : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, Equifax, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (TX)

XXXX XXXX - Fiserv for there online banking payment. I spoke to an agent @ Fiserv XXXX ( XXXX XXXX ) with her supervisor sitting with her. She was confused with the questions I asked with changing the answer several times. Frustrating and out of patient, I asked to speak with her supervisor which she replied " I can take your name and she would call me in 48 hours. I told this was imperative the timeframe is unacceptable but repeated several time with the supervisor listening to call. Finally after 30 minutes of incorrect information and refusal to get the supervisor ( XXXX XXXX XXXX, the supervisor ( XXXX XXXX XXXX got on the phone. I asked the question " so you were listening, I do the same thing with my new agent ... the only different is I would not stress the new agent because she still learning. I would have taken the call to avoid a Bank Legal Issue. The scary thing was XXXX as supervisor ( XXXX XXXX ) could not explain anything either. XXXX asked me for phone number and would call me when she get to her desk because she was sitting with new agent. OMG.. I said " so you were listening..she answered yes... I said your comment getting back to your desk. i think she return the calls but I was on the phone XXXX. I requested transmitting information t compare before filing a complaint against Fiserv and XXXX so there will be 2 complaints against financial and processor ( Fiserv ) institutions. On XX/XX/2022 same day as contact Fiserv and they said to call XXXX so I did. 
XXXX XXXX XXXX ( XXXX ) says online electronic payment are sent to the recipient but the recipient have to accept it before they send the actual payment. That's incorrect the financial institution sent the payment through clearinghouse ( in Batches when the payee like XXXX XXXX XXXX ) then once recipient receive and post the payment. Aslo, stated the updating payment confirmation number started with XXXX which totally wrong and misinformation to avoid accusing XXXX I have several scenarios o XXXX Bank online Bill Pay and I found the following : - Online payment confirmation numbers begin with XXXX - Canceling a pending payment confirmation numbers start remains the same - Edit a pending payment confirmation number start with XXXX
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

MOHELA is inaccurately denying public servants of their right to PSFL forgiveness and payment counts by denying their eligibility even though the US Department of Education provides employers as eligible. In example, my employer, XXXX XXXX, was denied and i was sent a letter from MOHELA dated XX/XX/2022 that they are a for profit organization and therefore i do not qualify for PSFL. This is FALSE. XXXX XXXX is a 503 ( c ) non-profit organization that is eligible per the Department of Education. I had to wait on hold for over an hour to talk to someone at MOHELA. If they can not accurately process forms and are going to inaccurately deny PSFL to those who rightfully qualify they should not be servicing loans! They are notorious for misleading consumers and lying. THIS MUST STOP.
Consumer complaint received 2022-04-05
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. (MD)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-05
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. (WI)

Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on XXXX, Equifax, credit report. Please remove all former addresses.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

I am very annoyed that you are still reporting this following account ( s ) ; JPMCB CARD Acct # : XXXX with a balance of {XXXX} in XXXX, XXXX and XXXX. I am a victim of identity-theft and I did not give anyone consent or authorization to use my personal information. Given this situation, I am writing this to request that you block all the accounts disputed as fraudulent on my credit reports. This is clearly a discrepancy that you are still reporting up until now! I have researched my rights regarding this so please grant my request immediately!
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MI)

I have a discover credit card for a long time and always paid my bills on time, and I have great credit score. Now discover is holding my Money order and saying they cant apply it to my account as a payment and refuse to send it back to me, and want me to send an another payment. I called the money order company and they said there is nothing wrong with the payment and that discover are using a different system to process payments than before. If discover is using a different method to process payment it should not be the consumers responsibility and I can not imagine how many millions of people are going through this problem and discover are keeping the consumers money. Its a burden on the consumers part And that the consumer have to pay the money order company a fee to reissue another money order. Please look into this they are keeping peoples money and telling consumers to call your Your money order company and the mean time the consumers have to pay a fee to get the money order reissued!!! Discover needs to fix this problem and send the money order back to the people!!! 
Please look into this matter and I am available to assist you!!! 
Thank you.
Consumer complaint received 2022-04-05
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. (TN)

In accordance with theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

Tried to contact attorney on file, I even thought at one point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

12 CFR 1005.17 a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service Ever since opening my account in XXXX Associated Bank has XXXX XXXX $ in fees in regards to ATM and Overdraft Fees. They have charged OD fees from ATM transactions and one time debit transactions as well.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

My mother fraudulently opened a XXXX account sometime between XXXX and XXXX. I have tried multiple times since then to have the account closed and removrd from my credit history. Not only was it fraudulent created it's been over 7 years.
Consumer complaint received 2022-04-05
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (PA)

I have reached out this company on several occasions asking them to validate this accounts information for it is not mines. 
I've requested this information directly and indirectly to Ginny 's. 
Dates as follows ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and countless other dated to the Bureaus. 
Ginny 's INC Account number ; XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.