davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

The problem is about both incorrect personal information, and missing credit cards from my Equifax credit reports. 

In XXXX, I had a legal name change and opened several credit card accounts under my new legal name since then. The credit bureau Equifax failed to include my new name or add new accounts to my credit reports and scores. Equifax never made things easier to dispute such errors, and never saw the full picture of the errors, continuously confusing me for more than two years. 

Since XX/XX/XXXX, Ive notified Equifax multiple times, of the correct name and accounts online, by phone, by fax, and by mail recently but Equifax still assumed the information was correct and insisted on not correcting any error. Ridiculously, a department of Equifax located at XXXX XXXX XXXX, XXXX GA even replied can not identify with my current legal name and address. Another response letter of dispute from XXXX XXXX XXXX addressed me using my previous name rudely without correcting any mistake. Whats worse, as I am using paid Equifax credit monitor service ( $ XXXX ), I want to test how credit lock works, but its not working - the XXXXXXXX XXXX was still able to penetrate the Equifax credit lock and left an inquiry on the locked credit profile. 

Thats likely a violation of FCRA by disclosing misinformation to the creditors and failing to provide the paid service as advertised. I would never tolerate such violations, or the way that Equifax spent much time working but in vain without resolving the issues. Why does Equifax have so many departments located at different XXXX XXXX XXXX but never sync up with the correct information?
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

Hi I Have a Major Emberassing and Frustrating situation with Wise. 

I Have been submitting a XXXX $ wire transfer that didn't go through and was stuck with XXXX XXXX on wise side if the transaction, and after so much time been transferred from XXXX XXXX to wise, for this I got an approval from both XXXX XXXX and Wise. 

I got an email from the company more then 3 weeks ago to either setup another transaction request or that my money will be refound to me. 

I have records showing a comunication with the Wise support center to refound me the money back. they conformed more the 3 weeks ago that I should recive my money in 5 buissnes days. 

Since then I am back and forth with them, with there respond that the issue now again is with the partner bank. That is passing the terms of my refound that should not take more then 10 days and the guarantee that I have been promise to receive my money back. 

This delay cause me so much on my personal life and my relationship beacuse that is my savings money. 

I was trying to speak with a supervisor that can speed this up and help me get my money back. 

I am a client that planning to use those kind of services in the future as well and this is unfortunate that we got to this situation. 

XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I purchased a camper and XXXX XXXX assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or XXXX late payment.
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

This account was opened in XXXX. It been open for 8 years so far. This collection shouldnt be on my credit report, the collection agency said they purchased the collection in XXXX, how they did purchase a collection after 5 years it been open & reported to my credit report, I think the amount its incorrect, I called and I ask about the record from the old agency that they bought the collection from. They told me they cant I provided me with anything because they dont have no record from the old company
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-03-12
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. (MD)

I am becoming extremely frustrated with the companies in question in this complaint. I have sent them a multitude of complaints on the alleged accounts and have failed to receive the proper responses on any of them. I am attaching all documents necessary to have these accounts listed on my credit report removed and I would like that to be done so immediately. These accounts are causing harm to my ability to sustain proper employment and housing. Please remove immediately
Consumer complaint received 2022-03-12
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. (SC)

In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I purchased goods from a person who was going to send the product to me via shipping. When I received the goods it had turned out to be fraudulent goods, they were fakes of the real goods. The person knowingly advertised the real item, providing photos and everything of a real version of the item, and then proceeded to send fake versions. This totaled {$360.00}. I went ahead and started a dispute with my bank since this is clearly fraud, Wells Fargo gave me my case number and informed me they started the process. Not only have I received no update on the matter, if I go to my account the status of the case says CLOSED. I have received no emails, calls, or texts of them asking for any more information on the matter or the fact that they closed the case. 

Payed for Goods : XX/XX/XXXX Opened Claim with Wells Fargo : XX/XX/XXXX Claim ( According to me finding out without notification ) Closed : XX/XX/XXXX Nothing has happened.
Consumer complaint received 2022-03-12
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. (MD)

The CFPB Complaint # XXXX was SOLELY a complaint against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote President Biden regarding XXXX XXXX XXXXL, and received and acknowledgment letter, that indicated my XXXX XXXX XXXX  was forwarded to the CFPB. XXXX XXXX XXXX targeted me, I have a discharged bankruptcy, they utilized SYSTEMIC RACISM and GERRYMANDERING to DECREASE my credit score. XXXX XXXX XXXX retaliated against me, because I complained about their credit distorting and manipulations. I paid XXXX XXXX XXXX  EARLY. Nevertheless, my credit score was reduced XXXX POINTS in XX/XX/XXXX. In addition, my XX/XX/XXXX payment was NEVER scored. Not to mention, XXXX XXXX XXXX DELETED my Trade line with all three credit bureaus WITHOUT REPORTING MY FINAL PAY OFF to all three credit bureaus. SURLY, this unscrupulous credit distorting is, RED LINING! Plus, I was charged a gap cancellation fee, AFTER being Forced to refinance. Therefore, the CFPB COMPLAINT # XXXX did NOT properly address FXXXX XXXX XXXX presidential congressional. 

CC : President Biden
Consumer complaint received 2022-03-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX  Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : PXXXX Made on : XX/XX/XXXX Made with : Equifax
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Ive sent my social security card my drivers license and w2 many times MANY times to Equifax who have some style of block on my account and have refused to remove it I have been on the phone many times and have sent them so much info and they still will it releases my Credit file. 
Now I can not get into myEquifax and when i did I no longer have a credit score They are also refusing to give me a copy of my report.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (NV)

Call from US BANK, told me they were calling for a transaction. The automated system that called transferred me to customer service who then sent me to fraud, fraud asked me every question under the sun, including my unborn. They then sent me a XXXX time passcode and called me a fraudster because her system locked out and her manage told me that your system doesnt work half the time until they send the code. So youre telling me you send XXXX out to customers and half the time they work and the other half they dont? Sounds like you have an internal security issue and Im sure my lawyers would love to hear about how our data is being misused by your company and not Fully secured and protected because your system wants to work when it decides to. How many customers data has been breached? Im sure the XXXX, would have a field day learning about this when I expose it on national TV.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On Monday, XX/XX/XXXX, I contacted Edfinancial for the first of many attempts after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days.Throughout the pandemic I paid {$8900.00} in payments to pay off my entire loan. When I asked for some form of confirmation that they are processing my request in their system, I was told I can not be given any form of confirmation via email or otherwise, even though they were happy to give me email receipts back when they accepted {$8900.00} dollars from me during the pandemic. I suspected they were not recording my request or beginning the process so I called again a week later to check and the representative on the phone told me they had no record of a refund requested by me in their system. I was distressed but remained calm and repeated my request from a week prior. 
On XX/XX/XXXX I saw that my balance owed on EdFinancial and XXXX was re-instated to the full amount of {$8900.00} but my money was never refunded to me. I was told by a representative that it would take up to 10 days after my loan balance is re-instated for the refund to hit my bank account and now it has been 30 days since my balance has been reinstated on EdFinancial and XXXX, and 50 days since my original request. During my third call with EdFinancial I was told by EdFinancial it would take another 60 days from today, XX/XX/XXXX, for the refund to be deposited to my bank. Each representative keeps lying and extending the quoted timeframe further out after each deadline passes and I check up on their quoted timeframe. 

EdFinancial is directing blame on the XXXX and saying the XXXX has my funds and it is outside EdFinancial 's control. 

It seems as though edfinancial is one of the ONLY student loan providers who is maneuvering with such shady business practices. XXXX, XXXX XXXX, aidvantage are only quoting 2-3 weeks turnaround time and those that I know with those loan providers have already seen their refunds hit their bank account. 

I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers refunding their money to their banks in just 5 business days makes me very concerned that this company does not have our best interests at heart. I have never dealt with a more unprofessional company in my life. 

PLEASE HELP ME EDFINANCIAL IS NOT REFUNDING MY MONEY AFTER 50 DAYS
Consumer complaint received 2022-10-19
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)

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (GA)

The company Jefferson Capital keeps calling after I have requested verbally and in writing on number of times for them to provide valid proof that the account is mine. The company has failed to do so. We had a loss of income, death in the family and this harassment isnt making things better for my family.
Consumer complaint received 2022-10-17
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-12
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 emailed this company every day and no response! They have 3 different numbers and not one can be reach! It say I have a credit account with them. Im trying to report fraud and no one is responding. Someone use my social and my name for this. This is not fair. Each number given belongs to a cell phone number. So basically someone can steal someone social n identity and this company will allow them to get away with it. Theres no help
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

I completed a XXXX XXXX of 5 years, and it was finally discharged XXXX of XXXX. I recently applied for covid assistant thru XXXX. This is a state funded outside agency to help with covid relief and mortgage payments. XXXX sent my mortgage company PHH Mortgage a relief package to fill put and email back in the beginning of XX/XX/2022. XXXX did not get a response, so they sent another packet via email and still didn't get a response. I called PHH Mortgage to see the issue and nobody can help me I was transfered around and hung up on twice. Once person before hanging up told me my account Is represented by an attorney and is in a XXXX XXXX  and it isn't. I can't get assistance to pay because they will not listen to me and release my mortgage out of this status and also will not allow me to speak to anyone about it. Pleased help