davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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)

XXXX accordance with the Fair Credit Reporting act 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 2021-09-20
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. (FL)

The XXXX XXXX Residential Dispute was not properly investigated or handled. I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report
Consumer complaint received 2019-10-07
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. (TN)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I saw some inquiries as well I don't know about : 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.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I have disputed this account on my credit multiple times, and it I have received no information about it from anyone except verification from the credit bureaus. I thought I had a right to request validation, so I looked online, found a dispute/validation letter and sent it to Jefferson Capital, they have not sent me anything. Please help me!
Consumer complaint received 2021-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

When I initially signed up for short term mortgage forbearance Wells Fargo told me the deferred amount could be added to the back end of my loan without modification to existing terms. When I called to speak with someone about repayment terms I was told my only options are to pay back the full amount or obtain a floating fha loan. I did not agree to forbearance under these conditions.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OR)

I have been in contact with XXXX XXXX regarding fraudulent purchases made on my account on new cards issued that were never activated by me and never once left my house. The fraud department was able to take care of a few, but not all of the charges. I have called MANY times ( 11 times as of today ) and sent a letter certified mail outlining the fraud, dates and store locations.

I was relieved when it appeared a couple weeks ago that they removed these charges, but when I logged on today, they had been added back. I called the fraud department again today, the 11th time, and was told they called me and that I hung up on them, which is a flat out lie. I would NOT do that as I want this resolved and there is no record on my caller ID of them calling on XX/XX/22 as they said they did. 
I cancelled all the cards. I would like this resolved since it is an almost {$2000.00} ding to my credit report. Here are the fraudulent transaction details : XX/XX/22 XXXX  XXXX XXXX XXXX {$400.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX XXXX XXXX {$500.00} I would like XXXX  XXXX to remove these charges imediately and permanently from my account. I never made them and if they did some investigations, they would easily tell that they weren't my charges as I mostly buy from them online and NEVER for purchases that cost this much. It is CLEARLY fraud.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NV)

On XX/XX/18 I received a collection notice from afni Inc . It was for an XXXX XXXX XXXX account in he amount of {$280.00}. This was the first time I had been notified of the bill. 

I followed up with a letter to afni on XX/XX/18 ( see attached ). I copied my attorney on the letter as I always do on this type of correspondence. In XXXX of this year afni send our attorney the collection notice. I NEVER stated we had hired an attorney to handle this and I do not understand why they would change the billing to him. Also, they have not, as of today provided me with any additional information regarding service address, etc.
Consumer complaint received 2022-04-16
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)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Dear Sir, Madam, I would like to report a bank account that is involved in a crime organization that is supporting online scam. 
I have been a victim and I have paid money to the owner of your bank account. I have reported this scam to the Crime police department and Federal Trade Commission. 
Can you report the owner of this bank account to the police as well so there will not be more victims? This group pretended to be XXXX XXXX XXXX and I made tota XXXX eur payaments to different bank accounts to save the luggage of a guy who claimed to be a XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ). 


I am sending proof of payment. 

Paid XXXX, amount XXXX eur. Bank Wells Fargo, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-10-07
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX  ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX  ACCT : XXXX AMT :  {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX  ACCT : XXXX AMT : {$700.00} XXXX XXXX  XXXX  ACCT : XXXX XXXX : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX XXXX  XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019
Consumer complaint received 2021-09-20
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 (TX)

I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

1. The complaint I filed back in XXXX was a mistake. At that time, I filed a complaint about my credit card account. I never knew I had another account number ; I thought I only had one credit card number. Therefore at the start, I thought that the account number was not mine. Later on, I found out that that account number was mine, it belongs to the same account as my credit card number, so I called customer service to explain the situation and canceled the complaint. Because I do not speak fluent English, my son made those calls for me. The bank can look up my call recordings. 
2. The account that is currently closed is my checking account. Nobody stole my information, I opened the account by myself. The branch is Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I opened the account on XX/XX/XXXX, and the account opening amount was {$10000.00}. All the balances in the account are from the checks paid by my company -- it is my legal income. I can offer any proof for identification. When my account was closed, there was a balance of {$3900.00} left.

3. Specialist XXXX contacted me, and I picked up the call myself. I do not speak good English, but I explained to her that there was a mistake, that the account I filed a complaint on is mine, that my identity did not get stolen. She said she wanted to ask a few security questions, I said that I am going to work at the moment, we can do it at XXXX XXXX  or after, but there was no further contact. Then I received an email notification on XX/XX/XXXX, that the account was about to be closed, and the email clearly stated that if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. But now, the bank refused to pay back my account balance, as the {$3900.00}.

4. In the reply, specialist XXXX mentioned, decline your request for any additional monetary compensation referenced in your complaint. This reply was preposterous because I never asked for any additional monetary compensation but to get back all the balances left in my account. In fact, the specialist dodged my question in her reply, and never even mentioned how the balances in my account will be dealt with.

5. I demand the bank to answer clearly how the balances in my closed account will be dealt with. I demand a refund for all the balances left in my account, just like what the email the bank sent to me stated, if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. 
The Wells Fargo case ID : XXXX and XXXX.
Consumer complaint received 2021-09-19
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. (WI)

A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
Consumer complaint received 2021-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

Hello, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed 2 specific payments that are not counting towards by Public Service Loan Forgiveness programs for loan # 3. I contacted FedLoan Servicing initially through XXXX on XXXX to dispute this. I received a call two days later to review my concerns. I spoke with XXXX who assured me she was my point of contact until this was completed ( XXXX ). XXXX indicated when my loans were originally through XXXX, when I paid my loans as a lump sum, XXXX improperly allocated my payment to this loan, two months in a row, making me short {$.00}. She indicated I would need to provide bank statements to show I paid the entire amount of the loan, and that this was an error on XXXX part, improperly allocating my payment. I have called on XX/XX/XXXX and XX/XX/XXXX to follow up with this concern as I have bank statements to get these months counted towards PSLF. ( And they should have because I have auto debited my loans for the entire duration I was paying them. ) As of today, XX/XX/XXXX, FedLoan Servicing has yet to respond.
Consumer complaint received 2022-04-16
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. (NV)

I have contacted a XXXX credit bureaus and most recently XXXX to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IN)

Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SALLIE MAE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (AP)

On XX/XX/2019, Jefferson capital Systems, XXXX XXXX XXXX , XXXX XXXX MN XXXX opened accounts in my name and immediately reported these accounts as unpaid debt. This was done on both my XXXX  and XXXX credit reports. This debt was removed from my credit twice in the last year and several times over the last few years. 

It stemmed from a cell phone that I returned to XXXX during my 14 day trial over 14 years ago. I didn't keep their service as it sucked and returned the phone to them before my 14 day trial was up. 

These companies keep adding this old debt to my credit files, the debt is well beyond the 7 years allowed by the Fair Credit Reporting Agency. Neither XXXX  or XXXX are verifying the information before they add this back to my credit. It has been REPEATEDLY REMOVED by both of these credit bureaus. 

I would like you to investigate Jefferson Capital Systems, as this is an unfair practice. 

1 ) It is an illegitimate debt, due to the actions of XXXX XXXX, which I am assuming was the retail agent afraid about losing his commission. 

2 ) I was never notified of this debt, I received a credit monitoring action after they already attacked my credit reports. 

3 ) It has been removed repeatedly over the last few years. I am to the point I am about to file a class lawsuit on these people. 

I am XXXX to XXXX  XXXX XXXX as an XXXX XXXX of the XXXX XXXX
Consumer complaint received 2019-05-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 to 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-06-06
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. (VA)

XXXX  is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age.

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter 13 bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Consumer complaint received 2019-10-07
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. (AL)

This is an attempt to correct my Equifax, XXXX, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.