davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I paid this in full on XX/XX/XXXX the original debt was a credit card with XXXX then went to collections with XXXX XXXX XXXX. It is still under the collections tab of my credit report I have disputed it and have given proof it was paid but the credit bureau will not delete it.
Consumer complaint received 2019-12-10
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: DISCOVER BANK (TX)

After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2300.00}
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I was told to send fax with the police report and documents of evidence that i am a client that have fraud in my credit and i already did investigations with other company and that i had fraud i was told to send like 2 pages with that evidence and i did i end it true certified letter and also i send it true fax i have evidence it was send and they denied that they did not receive nothing so i decide to send it bye certified mail and they dined that it was not receive so this company is not helping me at all and they want to charge me something that is not mine i send them police report my identification and evidence of other company that i had fraud before i am afraid of this i am not sending more documents with my information cause it have my personal adress and my name picture and more so i need this company to stop lying cause this is affecting me.
Consumer complaint received 2019-12-10
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: WELLS FARGO & COMPANY (OH)

I purchased a home with my ( at the time ) husband using a VA loan through Wells Fargo Home Mortgage in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, Wells Fargo Home Mortgage is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AZ)

On XX/XX/XXXX Security First XXXX  submitted a premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/XXXX Security First XXXX  submitted a second premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The non-responses to said invoices resulted in a lapes of the home owner insurance policy, requiring an out of pocket payment to ensure reinstatement. 

A phone conversation with XXXX at PRMI on XXXX @ XXXX revealed PRMI had a system failure which deleted all information regarding insurance escrow payments. XXXX stated all customers needed to resubmit their home owners insurnace information. Notificaitions regarding sysytems outages or rquests for home owner insurance informtion was not received.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2019-12-10
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: Keys Auto Finance Inc (CA)

I have contacted Keys Auto Finance directly, as well as, XXXX, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$590.00}. This account balance is {$0.00} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2021-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )
Consumer complaint received 2021-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

So I was trying to get a refund on XX/XX/XXXX and I ended getting scammed on the phone by someone pretending to be an XXXX employee. The man said he could get my refund through PayPal. First he sent me XXXX dollars and told me to send it back in which I did. Then he told me to send XXXX dollars and he said XXXX send it back but he didnt and disconnected the call. I was able to get the XXXX back but then on XX/XX/XXXX the PayPal account of the fake XXXX employee filed a chargeback case on me and for the XXXX that he sent to me even though I sent that money back to him and left PayPal account in the negatives and PayPal is forcing me to it even though I have proof that I returned the money to him.
Consumer complaint received 2022-11-11
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: Nelnet, Inc. (GA)

Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all XXXX credit reports by the NELNET and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the Nelnet making it look as if I owe twice more than what I should, such that NELNET should remove all occurences of past loans from my credit report.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (OH)

On XX/XX/2022, I receive three emails from Key Bank referring to a checking account that I had opened that day prompting me to sign up for online banking services. One email referenced a specific account number with my name attached to it. The account creation date was reported as XX/XX/2022, one day after the account had actually been created. I have never banked with Key Bank. 
I called the bank and verified my personal information. A quick search of their records verified that an account had been opened in my name with my social security number. The bank froze the account immediately. I am still awaiting a call from the bank 's fraud department to follow up on the fraudulent activity. 
I have since frozen all of my credit reports. The next day, I received two suspicious text messages referencing an activation code for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
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. (GA)

XXXX & Equifax you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported balance is {$17000.00} but Equifax I reported balance is {$15000.00} also Highest balance that is being reported buy XXXX is {$30000.00} but my Equifax Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

Approximately XX/XX/XXXX I requested my Credit Reports from the 3 credit bureaus and found a Discover account that I did not apply for and have never used. I immediately requested a 'Fraud Alert ' be placed on file.

As I continued to research my Credit Report I found glaring discrepancies that I reported to the bureaus and the Fraud Department of Discover.

- The Discover Card was opened in XX/XX/XXXX - {$810.00} was charged and the account is more than 120 days delinquent -The account was turned over to a 3rd Party Collections that continuously called my cell # -The report shows that the Discover application was opened under a false address that I have NEVER lived at and the date of this Address Information has a date of XX/XX/XXXX. 
The thief 's put " Unknown '' as employment. I am an educator and have NEVER not known my employment type. 

I have been waiting for Discover to investigate this manner and report the fraud to the 3 credit bureaus to REMOVE Discover from my report and they have failed to do that.

In the 'Fraud Department ' there seems to be one supervisor in charge of communicating decisions when I call for updates and depending on the time of day in a different time zone than where I live I can not get a response.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My identity was stolen on XXXX XXXX. I placed fraud alerts with my credit bureau, Transunion, as soon as I was notified on XXXX XXXX. Since XXXX XXXX, my credit has received XXXX additional " hard hits '' on my credit score to bring the total to XXXX. Attempts to resolve this directly with Transunion has been unsuccessful as they repeatedly tell me they ca n't remove these " hard hits '' without proof from the company who requested the credit pull. Each company I spoke to has told me Transunion is the only company who can remove " hard hits ''. I have been brushed off multiple times and passed on to different departments with no resolution. The security freeze option was never suggested even as I asked them what else I can do to stop these multiple credit pulls. Transunion has been completely useless. I feel like I am being victimized all over again.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seattle Service Bureau, Inc (TN)

I recently was denied credit due to a delinquent bill. National Service Bureau is negatively reporting a collection that does not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I was a victim of identity theft and I do n't owe this debt and I would like this item removed from my report immediately.
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: LD Holdings Group, LLC (MD)

My morgage was XXXX until XX/XX/2022, suddenly in XXXX they raised me to XXXX, arguing that they contacted my XXXX XXXX XXXX and the XXXX XXXX saying that they did not answer them, so they put me forced insurance, which increased my morgage payment, despite the fact that my townhouse had valid insurance. 
I made the claim and they froze the payments until the problem with the insurance was fixed, it was on XX/XX/XXXX that the person told me that my late payments would not affect me nor would they charge me a late fee and that it would not affect my credit, which which was not true, since Loandepot reported that I had not paid my fees, when they were under investigation for the payment of escrow. 
Check my bank accounts and my credit is too good XXXX now down to XXXX, which seems unfair to me since I was not to blame for all this, I think the problem lies in them not communicating with the relevant offices. 
I talked to Loandepot managers but they refuse to help me fix it and say that they only reported it in XXXX, which is a lie, they already reported it since XXXX. 
I ask you to help me since this company promised to fix it but they are not doing anything, and the injured party is me. 
To finish and I will be able to show that since I did the refinancing I never had any delinquency or delay, which they can show with themselves.
Consumer complaint received 2021-11-15
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX 2016
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I sent Equifax and XXXX an FTC Identity Theft Report via USPS Certified Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX  on XX/XX/2022, which they received on XX/XX/2022 and XX/XX/2022 respectively. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( Per 15 U.S. Code 1681c-2 ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called Equifax and XXXX today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and both companies claimed they were not obligated to remove the fraudulent items from my account, even though XXXX had already removed the fraudulent accounts from my credit file. For this reason, the items still remain on my Equifax and XXXX credit report and are still causing me and my reputation personal harm and discrimination.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX number XXXX, I also a victim of Us bank XXXX  scam, and fraud. Us bank closed, and XXXX XXXX XXXX XXXX XXXX XXXX, Us bank business account number XXXX, Routing number XXXX, for $ XXXX XXXX XXXX  Us bank account XXXX XXXX proof attached. I've called Us bank XXXX  office on XX/XX/2022. I speak to the Customer service. Us bank customer service claim that I never had a Us bank business account number XXXX at their Us bank. Us bank XXXX  office have Robbed, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX out of $ XXXX XXXX XXXXXXXX and denying thaXXXX XXXX XXXX XXXX XXXX ever had a Us bank account XXXX in their bank.
Consumer complaint received 2022-11-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (GA)

I had a private student loan that was paid and full, the debt was bought by another company and they are stating I owe interest. But the amount was paid in full. Now it has been sold again to XXXX and it is a balance on the account that I do not owe. I tried to reach out to the original loan holder and they no longer exist. and when I reached out to XXXX  they said when I mailed in the pay off amount in the time the check got to the original owner of the loan I incurred interest. which is not possible. They gave me an amount and a pay off date, not the new debt holder but the original owner of my private student loan. this information is incorrect.