davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (MA)

Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : Equifax refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX XXXX
Consumer complaint received 2020-04-19
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)

XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.
Consumer complaint received 2022-05-14
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. (GA)

In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax XXXX & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By XXXX  XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}
Consumer complaint received 2022-05-15
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. (IL)

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax and in response to a letter I recieved on XX/XX/2022, but dated XX/XX/2022 ( attached labeled Equifax ID letter, requesting additional information to prove my identity. In their letter provided, Equifax stated that, " Because of the information that I provided as my identity, did not match the information they have on my consumer file, they could not process my request. Equifax also asked that I send a copy of two ( 2 ) different items, which is a violation of my consumer rights according to 15 USC 1681h. According to the laws, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). Equifax stated, " Again, we need a total of two ( 2 ) items- one from each of the categories '' provided in their letter that is attached, in order for them to process my request. According to congress, I XXXX XXXX, has provided all of the proper Identifying documentation needed to prove my identity and my address, as to which Equifax sent the attached correspondence to my address, that they are requesting additional information to prove its accuracy. I am aware that Equifax has all of the information needed to follow through with what is being requested of their company.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (OK)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

After submitting a complaint when the company incorrectly drafted my payment on the incorrect date, the company has now retaliated by locking me out of my online account. I have no access to my payment history, my statements, or my escrow account.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

The inquiries below should be deleted from my credit rort. I didn aurthoizeed thiese inquiries. 

MECHANICS BANK FKA CRB Date : XX/XX/2016 XXXX XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX TEXAS Date : XX/XX/2016 XXXX XXXX Date : XX/XX/2016
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AR)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX and they have failed to do so.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NY)

Placed a large order with XXXX on XX/XX/XXXX. 

Did not receive items, and rock auto customer service was not helpful, only referred me to XXXX tracking, XXXX tracking shows the items delivered to different city, not the city I specified in order confirmation, which is XXXX XXXX NY XXXX. No GPS location provided by XXXX in delivery confirmation. Or person left with, just saying dropped off to XXXX, the address XXXX XXXX XXXX  is in an apartment building with security, delivery couriers cant actually get to my door, so saying it was dropped off to my door is false, and nothing was left in the mail room for my building. There are XXXX buildings on my street ( XXXX XXXX ) and there is no indication on the tracking showing what building it was dropped off to. Citi Bank denied and tried to close my dispute until I requested them to reopen the case today XX/XX/XXXX with a letter I sent to their billing dispute email address.
Consumer complaint received 2022-05-14
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. (MI)

In accordance with the fair reporting act XXXX  account number XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-15
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. (VA)

Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX  XXXX and XXXX XXXX  so far for me to activate when I NEVER applied for ANY of it
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

I contacted the company regarding numerous debts that I did owe. I was told by XXXX that I could pay {$35.00} a month and as each of them were paid they would remove them from my credit report. I have paid almost all except one and none have been removed from my credit report. XXXX is no longer employed there and they are not honoring the agreement. I contacted XXXX who said she believes me but has to speak to supervisor. I have not heard back. XXXX has also increased my payment amount and changed my due date without my permission. She contacts me saying I am late on my payment and I tell her each time I did not agree to pay on this date or this amount and she says oh yes I remember but does nothing to correct the issue.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NJ)

Case # XXXX I received a letter from Barclaycard and they will not honor our request for the account to be charge off and confirmed that we have enrolled for the Hardship Payment program of {$18.00} for 12 months that started on XXXX XXXX, 2015. I still did not get an answer of why we are being charge {$35.00} month for payment due plus {$18.00} taken out totaling {$54.00} due on top of that which increases our balance and also once the account is charged off I will still honor my commitment to pay but this way it puts an end to the interest that is increasing monthly and the balance never seems to be lower.
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX Late Date XXXX
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NJ)

My wife and I took a financing arrangement from Wells Fargo for roughly {$5000.00} for XXXX in XX/XX/XXXX/XX/XX/XXXX. We discussed various financing options and finally my wife presumably signed up for a 12 month 0 % interest rate. However, I mistakenly assumed that we signed up for a 18 month 0 % card. I was making a monthly payment of {$200.00} above the minimum payment during the 0 % period. While reviewing my XX/XX/XXXX bill I saw an interest payment of ~ {$1500.00} on a balance of {$2800.00}. I immediately called Wells Fargo to discuss the matter and informed them that this was a genuine misunderstanding on my part, I have an excellent credit, never missed a payment and since I was just a day late, they should waive the fees. I even offered to pay the entire outstanding balance of {$2800.00} and close the account. 

Although I do accept that the misunderstanding was my mistake, I acted immediately to rectify the situation. The way that Wells Fargo representatives that I spoke with handled the situation was ridiculous and our multiple discussions have not resulted in any positive closure, but rather a hardening of stance asserting that what Wells Fargo did was moral and ethical. 

Please help!
Consumer complaint received 2020-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (IN)

I have applied NUMEROUS times to have my co-signor released from my loan. I have met all of the requirements on their release list, and I have made all of my payments on time. My co-signor is an ex-boyfriend that is married and wants to be released from this loan. I obviously can financially afford this loan, I have made payments on time, there is absolutely no reason to continually deny this request.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX XXXX XXXX XXXX XXXX, XXXX selling different goods such as frozen food, rice, eggs etc Since 2020 my PayPal account XXXX has stuck funds in it that I have to withdrawn it asap for emergency purposes, and I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless
Consumer complaint received 2020-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A. (TX)

There is a loan for {$9200.00} from Flagstarbk/XXXX taken out XXXX XXXX on my credit report. I did not take this loan out. I have ask 2 times that is be investigated an both times it has not been resolved. This is not my loan, nor do I know anything about it
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Remitly, Inc. (TX)

I am writing to express my deep dissatisfaction with the services provided by Remitly. On XX/XX/, I was charged a sum of XXXX USD through Remitly, which I believe was a result of a scam. I was promised a refund by Remitly, but despite several attempts and follow-ups, I have not received any refund. 

The whole process has been extremely frustrating, as Remitly keeps sending me back to XXXX, and XXXX keeps redirecting me to Remitly. The lack of responsibility and ownership demonstrated by both companies is unacceptable. 

I would like to request a full refund for the unauthorized charge of XXXX USD. I have provided all necessary documentation and information to both companies and have been waiting for a resolution for far too long. 

I hope that this matter can be resolved promptly and that I can receive the refund that I am entitled to. Please let me know if there is any further information required from my end to expedite the process. 

Thank you for your attention to this matter.
Consumer complaint received 2020-06-10
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. (GA)

The following item have not been properly investigated and I have requested numerous times for validation of these items : 1. XXXX XXXX - This item was paid in full by the insurance company during an accident.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Upgrade, Inc. (OH)

Received card in mail asking me to call and activate it. I never heard of this company and did not apply for the card. When I called to ask questions and close the account they refused. I reported to their fraud department and they will not do anything until I send a color copy of my driver license. That is ridiculous and sounds like they are trying to further steal my identity.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

There is a tax lien and a release of tax lien on my credit report. I informed TransUnion that was an error. I have never had a tax lien. They investigated and reported nothing different. The public record they showed had no name on it.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I sent money using the Remitly app to XXXX to one of my friends accounts i sent the money on XX/XX/XXXX the day i sent the money remitly sent me a notification saying that your transaction is completed and your recipient have the money by now in his account when i asked him he sayed he never got the money i call remitly to ask them and the coustmer service team told me that i have to wait for 7 days in order for us to proceed with your transaction and to get the email back its been 10 days they have not solved my problem so far every time i call them they say i have to wait when i want to talk to the supervisor they that the supervisor are busy at the moment or we will call back in hour and will connect you to one and they never called me.