davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (MT)

XX/XX/2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But XXXX has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! XXXX NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!
Consumer complaint received 2019-03-06
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. (DE)

RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (OH)

contacted the credit equifax XXXX and XXXX to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank had a 3rd party CPI insurance company watching all of Wellls Fargo Loans for not having full coverage. They had a crystal ball and when they felt the Insurance The person had was dropped they would stick CPI on it as a Favor for Wells Fargo and Then send Wells fargo a commission check. They were so Kind. To bad the Cpi They stuck on my Truck was not needed and it caused me because of auto pay to overdraft my savings and Checking and then Wells Fargo was so Kind as to Charge me every fee they could think of.it caused me to loose my truck and it was Fraud. I need to be Taken care of for my massive out of pocket losses. XXXX. on top of the XXXX they have given me. If Wells Fargo Cant find that kind of money somewhere they can send me out for outside mitigation because I AM NOT HAPPY WITH THE XXXX THEY TRYED TO GIVE ME>
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (NV)

I attended XXXX college but did not get to finish schooling there. The college was shut down due to fraud from XXXX colleges. I never finished school and i feel i was robbed of money that is effecting my credit severely. I live in a new state now and do not live at the same address obviously. I sent in papers to the XXXX XXXX XXXX XXXX XXXX and never got a response. I have no transcripts nothing at all left everything was lost in the move to a new state and have no idea how to get ahold of them. Thousands of students got their loans forgiven and i shouldnt have to pay mine back not even having a XXXX XXXX to show for my hard work at XXXX college. I need contact information so i can take care of these student loans.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/ 2019 while shopping at XXXX 's I was offered a new credit card application by a store associate. She said that if I applied and was approved I would get 20 % all of my purchases that day, including shopping online, regardless of the item and that there was no limit to the purchases. She said I would not see the 20 % discounts on my receipts but would see them on my statement. So I applied and received the credit card. I was only given a printout that served as a temporary card for that day. It did not have the terms of the card on it. I purchased a number of items and then went home and was dismayed to find that there was no credit card number on the paper given so could not purchase more from home. 
However, when I got the statement I saw that the item I purchased when the credit card was specifically offered to me did not have a 20 % discount but instead only a {$17.00} discount on a {$290.00} item ( {$320.00} with tax ). The other items had the 20 % discount applied. I called XXXX XXXX Customer Service and asked about this and they said there is a {$100.00} limit on the discount. I was not told this and in fact I am confused because the discounts for that day actually add up to {$100.00}. So something is wrong and I was given false information and false promises in order to get me to apply for the card.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I reached out to the company via mail requesting validation of debt, respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Under federal law, you have thirty ( 30 ) days to complete. It has been more than 30 days and I have not received anything from this company, therefore violating FCRA.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

My first contact with the XXXX XXXX XXXX was XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX again by fax in XXXX to dispute the inaccuracies once again. My student loans date back to XXXX. The agency is reporting the accounts as being 90/120 days late in XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XXXX, I submitted another complaint through XXXX and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.
Consumer complaint received 2018-09-28
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. (OH)

I'm XX/XX/XXXX I tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
Consumer complaint received 2018-09-28
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. (OH)

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX  XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (FL)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Equifax. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2019-03-06
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: Innovis (GA)

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.
Consumer complaint received 2020-07-08
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. (GA)

I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

This company, XXXX XXXX XXXX, calls me about 2-3 times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to XXXX.
Consumer complaint received 2022-01-06
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. (MO)

XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with equifax with 2 bureaus but they've reported it as 48 months with XXXX and Equifax. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( equifax & XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Consumer complaint received 2020-07-08
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. (TN)

Open Date XX/XX/2018 Balace {$89.00} XXXX XXXX   XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: eToro USA LLC (FL)

On XX/XX/2020, I received an offer the app XXXX ( a digital asset price tracker ) with an offer for a {$50.00} signup bonus for signing up for eToro, an online social investment service, via the app. After signing up and meeting the offer conditions ( including filling a XXXX Form with my XXXX app/user ID ), I did not receive the {$50.00} bonus as promised. I exchanged several emails with eToro support between XX/XX/XXXX and XX/XX/XXXX, providing screenshots of the offer and asserting that I followed the requirements, but they did not honor the promise. They claimed that I had signed up through " another marketing channel ''. I escalated the support issue to the top level, i.e. head of US marketing. 

My boyfriend also completed the offer, but had to manually ask support for his {$50.00} to be added. I believe it's possible eToro is trying to avoid paying what is owed by their promotion terms on a larger scale.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

Several months ago I owed XXXX XXXX XXXX XXXX XXXX ( XXXX ), as I was unemployed ( due to COVID-19 ) I could only afford to send them XXXX, then last month in XXXX I sent them the remaining XXXX in the form of a check which XXXX ( XXXX XXXX XXXX XXXX XXXX CA ) cashed. I recently received a demand for payment from A.R. M. Solutions, Inc XXXX XXXX XXXX, CA XXXX and ARM said they would report this NEGATIVELY ON ALL OF MY CREDIT REPORTS. I do not think it is fair for ARM or XXXX to try and EXTORT MONIES FROM ME THAT I DO NOT OWE, and also threaten my credit ratings.
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (NY)

i Have already submitted a FTC Identity theft report to XXXX  and equifax and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even belong to me
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (FL)

Unable to link my PNC accounts or transfer funds from my PNC accounts to my XXXX XXXX  XXXX  or XXXX XXXX  accounts. 

XXXX  said it is a problem with a change in the way that PNC is set up. 

Please fix this PNC issue so my money can go where it needs to go. 

Thank U.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (RI)

I have a credit balance on my Citi Double Cash card for {$7600.00} and I have been trying to have Citi Card make a bank transfer of it to my personal checking account. 
I called up Citi Card customer service on XX/XX/2020 and they said it would occur in 5-7 business days. 
The money never arrived and I called up Citi on XX/XX/2020 and was told my transfer is still waiting for approval. 
The money never arrived so I called Citi onXX/XX/2020 and was told my transfer was approved on XX/XX/2020 and it will take 3-5 business days. 
The money never arrived so I called Citi on XX/XX/2020 and spoke with XXXX who initially said my transfer was not approved, so I asked to speak with his supervisor who said my transfer was approved on XX/XX/XXXX and he will expedite the transfer and it will take 1-2 business days. 
I still have not received my {$7600.00}, and have been told multiple and differing reasons why. 
I wish to hold Citi Card accountable for my money and wish to receive it in a timely fashion.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CO)

In XXXX I received a XX/XX/XXXX notification that my credit score dropped over 100 pts. 
I discovered that a credit card with XX/XX/XXXXCitibank was opened fraudulently. I called the company in XXXX after placing disputes through XX/XX/XXXX. 
Citibank told me they sent my account to fraud. The account was closed a couple months later, after my score dropped even lower. 
Today XX/XX/2020, I called citibank again because my credit score is still in the low XXXX, when it was previously high XXXX. The agent today told me that my account was never sent to fraud, and that it was only closed. I asked for him to send my account to fraud. 
I calledXX/XX/XXXXand they advised me to send the fraud report to FTC so that I can receive a letter to send to them to further investigate the fraud.
Consumer complaint received 2020-06-01
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: WELLS FARGO & COMPANY (VA)

I was overcharged apx {$140.00} at the end of my auto loan with Wells Fargo auto loan services. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from Wells Fargo dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home