davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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. (MI)

I have written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all. 

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer. 

As you will see in supporting documents XXXX is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. XXXX is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both XXXX and XXXX have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even Equifax wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.
Consumer complaint received 2021-03-14
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: Kelsting Group, Inc. (CA)

On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on all 3 credit bureau 's XXXX XXXX XXXX 
I have disputed these alleged charges for years, due to identity theft, I attempted to file a police report in 2017 just to be told it's not a police matter it's a civil matter in which the report wasn't accepted at the time. The FCRA states my rights clearly being violated by this collection I am requesting termination an removal of this collection, immediately due to inaccurate reporting, anyone say send a bill saying you owe, but there's been no written Signature or contract.
Consumer complaint received 2021-03-14
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. (CO)

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Consumer complaint received 2022-10-26
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)

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-09
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. (TX)

I like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I have disputed this numerous times to no avail. These are fraudulent accounts. Please removed. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

There are 3 creditors that pulled my credit report that I did not give permission too there is only one and that is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, and XXXX. I did not give these people permission to pull my credit report on XXXX.
Consumer complaint received 2022-10-26
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. (NJ)

Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account from my report
Consumer complaint received 2021-09-08
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)

Equifax did not provide me a notice at all, especially within 5 days of changing my late payment history I disputed in early this year. My dispute asked them to update all late payments regarding BOTH of my DEPTEDXXXX accounts. They updated all late payments to paid as agreed and then they switched it back to late payments. This is violation of the FCRA. Additionally, XXXX is being shown as a collection that was last reported on XX/XX/2017. This indicates that they did not investigate after I submitted my dispute.
Consumer complaint received 2021-03-14
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: BARCLAYS BANK DELAWARE (CO)

I have never applied for credit with Barclays Bank. I was in high school in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

Loan servicer : FedLoan Servicing At the end of XXXX I called Fed Loan Servicing at XXXX to request a {$20000.00} refund for payments I made during the Covid pause. They informed my request was accepted and I should receive the refund in a form of a check or directly deposited back to my bank within 3-8 weeks. 

On XX/XX/XXXX I called and spoke to a second agent to told me my request was still visible and I should be getting the refund soon. I checked Fed Loan 's webiste and it still shows my loans are paid off and have not be returend. 

On XX/XX/XXXX I called to check the status and ask if I needed to submit another request. They said no, they are still waiting for things to be processed. 

As of today, XX/XX/XXXX I would like to have my refund expedited so I can proceed with the loan foregiveness application. Please let me know when I should expect to receive an update on this matter.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NY)

XXXX had offered a promotional savings offer if I used their credit card. This offer would have saved me {$100.00} off my purchase if I used their credit card. So, knowing my credit score to be around XXXX, I applied for a XXXX credit card. 

The application was not approved. It was somewhat embarrassing ; I have never before been rejected for a credit card application. 

A few days later I received a letter in the mail from XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX Fl. XXXX ) stating the reason that my request was denied was that the Credit bureau reports that the applicant is deceased. 

Well, I'm not. 

The credit agency reporting this error is you, Sagestream LLC ( XXXX XXXX XXXX XXXX XXXX CA. XXXX ). 

I have several questions : 1. Where do you get your information from?

2. How does this error get corrected?

3. How deep does this go?

4. Who will provide me the {$100.00} I would have saved had my information been correct is the first place?

I primarily use XXXX to check my credit scores, yet they still have me alive and well.

I appreciate your prompt correction to this error, and your prompt response. 

Thank you, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY. XXXX
Consumer complaint received 2021-09-08
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. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2022-10-26
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. (FL)

XXXXXXXX XXXX  is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Consumer complaint received 2021-09-09
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)

On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help
Consumer complaint received 2021-09-08
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: WELLS FARGO & COMPANY (RI)

the following accounts that appear in my report do not belong to me, please check them XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

WF/XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-02-10
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. (FL)

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2022-10-26
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: DISCOVER BANK (NJ)

In accordance with the fair credit reporting act convergent account # XXXX, my DISCOVER it chrome card account # ending in XXXX, and my XXXX  XXXX XXXX account # ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed three of my personal accounts and three of my business accounts with them. I pay my balances in full on my personal cards, and also never have any late payments on all my cards. 

They sent me a letter telling me they were watching what I was buying ( my transactions ) and due to that, they closed my account as the letter said ( unexpected activity ). 

Why am I being targeted for what I am buying if that is the case?
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have tried to have a security freeze lifted from my account in order to enable me to purchase a home. I have called three times now ( each time being sent to various customer service agents after insisting that I needed an answer ) from XXXX. In each instance I am told they can not find my account and that the " system is updating '' and to call back later. In each instance I have called back I get that same message with no further information. My husband was able to access and unlock his freeze on the same day, and they communicated to me that is was a system-wide issue, which was clearly a lie. The customer service agents told me multiple times it is out of their control and that they don't see an answer for me ( basically that it is what it is, other than that they've sent Equifax IT a note and hopefully they can someday figure it out, but without any further guidance on when or how this will be fixed ). This is preventing me from proceeding with my life. I did not have issues with the other two reporting agencies.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OH)

Around XXXX I started out with a credit line of {$5000.00} on a Wells Fargo Bank credit card. I used it and after paying the balance down to almost half around XX/XX/XXXX Wells Fargo reduced my credit line from to {$2400.00}. I called them to request that it be restored and was told by a representative that I had missed a payment in XX/XX/XXXX as the reason for the reduction. It was an oversight and actually the payment was about 45 days late when I paid it in full. The bank refused to restore my credit line. By the end of XXXX I paid the balance down to about {$1100.00} and on XX/XX/XXXX Wells Fargo reduced my credit line down to {$950.00}. Each time they reduced my credit line my utilization percent went up and therefore hurt my credit score. None of my other creditors have done this. 
How can a consumer be protected from this?
Consumer complaint received 2021-03-14
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: PREFERRED CREDIT INC (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, PREFERRED CR that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Consumer complaint received 2021-01-13
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. (MI)

XXXX, Equifax, and XXXX are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I recently file a dispute against Synchrony Bank ( Care Credit ) because it has been reported incorrectly on my credit report. On XX/XX/2021 I can to an agree on a debt settlement amount with XXXX XXXX XXXX the third party collection agency that Synchrony transferred my account to. The settlement amount agreed to was {$5100.00}. The payment was drafted in two separate transactions due to the amount. 
Synchrony bank then report on my credit report that a payment was made to my account on XX/XX/2021 which was a lie. The debt was settled on XX/XX/2021.
Consumer complaint received 2019-02-11
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: EQUIFAX, INC. (CA)

I'm trying to buy a house so i ran my credit, and on my report i saw items that i didn't recognize. I did not authorize these items and i need these items removed from my credit report. I was advised to contact the FTC and my local police and i did. XXXX XXXX XXXX, 01 XXXX XXXX, 12 SXXXX XXXX 3, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.