davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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: HW Holding, Inc (HI)

XXXX has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX   TX XXXX have never lived in TX XXXX XXXX XXXX XXXX  TX XXXX have never lived in TX Shows a collection account from : Hunter Warfeild, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX  

This does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX This account was never late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  This account was never late Shows an inquiry from : XXXX XXXX. I did not authorize this. XXXX. I did not authorize this. XXXX. I did not authorize this.

XXXX. I did not authorize this.

XXXX XXXX XXXX. I did not authorize this. XXXX XXXX XXXX. I did not authorize this.

XXXX/Pre-Owned. I did not authorize this.

XXXX XXXX. I did not authorize this.
Consumer complaint received 2018-08-28
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. (HI)

Equifax has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXXXXXX XXXX. I did not authorize this.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

Called numerous times attempting to change account status to " out of school '' as I have now graduated 4 months ago. Loan service officer indicated that changing this would be possible with paperwork, however never sent paperwork to allow me to change.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act Bankruptcy Chapter XXXX Docket ID : 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 without my written instructions.
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MD)

I bought something from XXXX  XXXX  return part of the money. XXXX told me to call my bank to release the money. I called my bank and they ( chase ) are saying the money never came out my account.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/2021. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/2021.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Over the last 6 weeks Portfolio Recovery Associates have called me from an auto dialer on a daily basis. They hang up every time I answer. I declared bankruptcy about 18 months ago. I finally got to speak to a live person who asked me if I owned a business. I told them no and I asked them directly to stop calling. The man consented but the calls continue. They call me during work hours, sometimes multiple times a day.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MI)

I closed my Discover Card a few months ago and it had a plus balance of over {$300.00}. They transferred it to my checking account, but that was reversed for some reason. It was sent back to Discover. I have called them twice and they said they'd send it again, but nothing happens. I did get the cash back into my checking account and another refund, but they intend to keep the plus balance ( from a refund ) for some reason.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NE)

On XX/XX/22 My XXXX and my USBank Account was hacked. Sending a charge of XXXX Dollars to someone through XXXX, and a charge of XXXX through XXXX. I immediately changed my password on XXXX and called USBank to submit a claim as fraud. I didn't even have to lock my account because USBank flagged it immediately as fraud. I was informed it would take XXXX to 90 days for my dispute to be solved. When I called a week later to check up on the status of my claim, they informed me that they admit it was fraud but that my request was denied, and I would receive a letter in the mail if I disagreed. XXXX dollars is my livelihood and USBank has not worked with me at all in trying to investigate this very clear act of fraud that they ADMITTED TO. I have called USBank 8 times since this all started. I have gone inside 4 USBank to try to talk to a personal banker or someone who can do some further investigation. Even setting up another account to transfer my money to as been completely unprofessional. The response is always there is nothing that can be done ; they're not in charge of that department. On Tuesday XX/XX/XXXX I went into two more bank branches the same treatment of dismissing me with the words there's no number I can call, only an email. I've emailed the Fraud department about my concern, no reply. I have been a loyal customer of USBank for years and to be treated like that amount stolen from me doesn't matter is absolutely ridiculous. I have not been asked any questions to further the investigation, I have not been called or treated with any respect. To have to find out my request was denied while also admitting to fraud is completely illegal. I am going to go into a bank branch every single day until I get my money back. I will call and call until someone speaks to be about this issue and can explain how money I never authorized can not be returned to me. I called the very same day it was taken from me. I reached out to XXXX there's an investigation going on there as well. I have contacted XXXX 's chat agent twice on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the matter of disputing the XXXX sent over from my bank account over to another user. Whoever hacked my XXXX must have accidently sent the money to the wrong user because that user is my roommate. She forwarded the money back to me. XXXX claims to dispute that the money should have never been sent they need to contact the user but have not done so. I am a single woman trying to support myself and I can not have all of my savings I've worked hard for years to be taken in just one day, and to have these companies say they can do nothing about this issue.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (GA)

XXXX I try to withdraw XXXX $ from ATM but was assessed with XXXX withdrawal which was an error I try merchant and the current card hold dispute! No one emailed updates its passed the timeframe of provisional credit as this matter fall under regulation E
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX appears on my credit report and information was sent to a third party vendor unauthorized and shared as a public record XXXX XXXX TransUnion XXXX XXXX XXXX Opened XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XX/XX/XXXX # XXXX These accounts have violated my rights to privacy.
Consumer complaint received 2022-10-06
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. (MO)

This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXXBalance Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File as soon as possible.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX 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 2022-12-19
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-10
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. (TX)

I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


Common wealth {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80000.00} XXXX 2014 XXXX XXXX XXXX  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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

Account name. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an inaccurate
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

Ive reached out to XXXX  numerous times and theyve fraudulently added charges and kept a line on my account for years! I sold my XXXX XXXX to a man whom I have messages from validating this sale. Shortly after I sold my watch I called XXXX to remove that line and they NEVER did. Theyve have fraudulently placed this on my credit and Im owed hundreds of dollars from XXXXI only had three lines after selling my watch! On top of that their DATA BREACH included my social security number and I received an alert that my social was on the dark web. This has effected my credit and Im reaching out for legal counsel.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 21 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (ID)

XXXX XXXX XXXX & IN Moving ; I, Found a CD {$39000.00} with Well Fargo This is the XXXX XXXX XXXX Wells just refuses to Deal with this ___Who could Help me Prove or Disprove Value? _____? PLEASE < HELP <> THANK YOU IN ADVANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Id XXXX ( XXXX ) - XXXX XXXX - My Direct Landline, Call XXXX XXXX XXXX XXXX XXXX E-Mail : XXXX Mom lived in XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) I went & Called Wells & They have NO Interest or Records? May a FDIC/ or Audit would HELP them I was born XXXX & Raised in XXXX  XXXX Moved XXXX As my Youngest Daughter Moved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have someone with XXXX to XXXX  years Experience in Banking & C/Ds Please, Thank YOU, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a victim of Identity Theft and I have reached out to these companies stating that this is not my unknown fraudulent inaccurate accounts and addresses. There is so many violations on my consumer report including collection/charged off accounts that are not mine but still listed as open on my credit report. Account types are not listed, last date active is inaccurately dated for a post date. These accounts inaccurately and fraudulant contain information under the Bankruptcy Act. Because these companies have violated me i have expeirenced traumatize mental and financial.
Consumer complaint received 2022-09-28
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: BARCLAYS BANK DELAWARE (TX)

I signed up for Barclays American Airlines Aviator business card with XXXX  points sign up bonus and {$95.00} statement credit after meeting the minimum spend. I got the advertised XXXX points but not the statement credit. It has been XXXXXXXX XXXX  since I emailed Barclays about the missing credit with no response.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act 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 a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2022-08-09
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MS)

Recieved a medical collection otice form Transworld Systems Inc for MY MINOR age SON who is XXXX and not responsible for any medical bills. So the sompany should have verified who the debt should have been sent to and not sent it to a minor.
Consumer complaint received 2022-06-06
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....