davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 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 ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant 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. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2022-08-04
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. (FL)

I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation as they should because if they did they would've known that this was a factual account with over 10 months positive credit history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on all, but as for those hard inquires they are not on any other bureaus so I don't see why you Equifax said it was factual and still have not been able to show me the steps they took or any proof that they actual investigate it properly to prove the hard inquiries are " factual '' from my previous complaint. The Fair Credit Reporting Act ( FCRA ) permits you to make a dispute claim, requires the bureaus to investigate it within 30 days and either provide proof to you that it is a legitimate debt or delete the item. 

complaint I.D : XXXX and XXXX Law that Equifax broke 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My experience as a client of Wells Fargo during the last few years has been terrible and I have been trying to refinance my home mortgage with XXXX, and stop my relationship with Wells Fargo. Having been already approved by XXXX on the refinancing, we are still waiting for Wells Fargo to finalize their internal legal processes ; most importantly finalizing the XXXX transfer, assignment of the loan to XXXX, so that I do not have to pay for mortgage taxes twice. We submitted all required documentation more than 2 ( two ) months ago and have not heard back yet. My lawyers reached out to Wells Fargo and were not able to get an update on the situation, and just got a message saying that these things take time. After having refinanced mortgages in the past, I can say from experience that the most this has taken in the past was 2 to 3 weeks..and we are now on week 9. This is causing significant  issues on my side, given that closing of the refinancing with XXXX is still pending subject to receiving the loan assignment and as with any refinancing, every day that goes by poses significant risk that the approval already obtained could be revoked. I spoke with XXXX XXXX whose supposed to sit at the executive level ( @ XXXX ext XXXX ) who told me that it's an issue I need to resolve with the lawyers that Wells Fargo hired. I answered that if Wells Fargo hired them to represent Wells Fargo, and they are working on behalf of Wells Fargo but not getting the results we'd expect, then Wells Fargo is the one that should resolve the situation and look into the case to try and see what's wrong, and getting fixed. Her answer was that it's up to the lawyers. It all feels like Wells Fargo is dragging their feet, just to keep my as a client for longer, maybe indefinitely if XXXX decides it's been too long and cancels the refinancing. At this stage I really don't know what else I can do to get the required documentation from Wells Fargo to move into XXXX. 
Any help will be greatly appreciated.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have recently noticed a "  XXXX   XXXX  '' charge on my Macy 's credit card. I tried to cont act Macy 's they t old me to contact another company, but  XXXX  does not have customer friendly hours and I can not get through. I want a refund for all of the months of paying this charge unbeknownst to me.
Consumer complaint received 2017-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (MN)

I applied for a mortgage and my credit was pulled. My loan officer noticed a recent collection account at stellar recoveries for XXXX XXXX. I had no idea what it was but he gave me a number and I called it. They told me i had to pay it so i did even though it was n't my debt. I researched it further by calling XXXX XXXX and gave them the account number which is XXXX. They found that the debt was not mine and under someone elses name but said i needed to call stellar recoveries to have them remove it from my credit bureau and reimburse me for the {$250.00} I paid. I called Stellar Recoveries yesterday XXXX XXXX XXXX and they said that they could n't help me because it was paid and that i could n't do anything. I contacted the loan officer and he gave me this website. Please correct my credit report as soon as possible. If any questions, I can be reached at XXXX. Thank You, XXXX XXXX
Consumer complaint received 2022-01-05
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: JPMORGAN CHASE & CO. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the JPMCB CARD accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am filing this complaint because Equifax | XXXX XXXX | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (NJ)

On XX/XX/22 at approximately XXXX am I was at the ATM to withdraw funds from an ATM in XXXX NJ when I discovered my account was missing {$500.00}. Upon checking my payroll debit card app-Wisely Pay I discovered there were three transactions made at an ATM XX/XX/22 in the following amounts : {$200.00}, {$200.00} and {$100.00} from a Chase ATM in XXXX NJ XXXX I immediately called and filed a dispute with Wisely pay at XXXX XXXX while at the same time using XXXX XXXX ATM in XXXX to withdraw the majority of the remaining funds in the amount of {$800.00} and {$400.00} to prevent any further theft. These withdrawals were done by me while I was filing my dispute and notified the representative of this. I was given a claim # and was told the card would be cancelled, a new one issued and the dispute would be investigated. On Tuesday XX/XX/22 I received an e-mail from Wisely Pay informing me that an ATM transaction in the amount of {$200.00} from a XXXX XXXX in XXXX NJ was declined-there was still attempts at fraud on this card. I followed up with Wisely Pay to see if there was anything they needed from me and was told I would be receiving a Statement of Fraud Form. Today XX/XX/22 I received an email detailing the investigation was completed and they determined there was no error and that record analysis indicated that no fraud had occurred as investigation results matched information on file. This was very upsetting to me as the cardholder as there was clearly fraud. I have had my payroll loaded onto this card for many years and have never had a problem. I am the only cardholder and there has only ever been one card issued. I dont feel they investigated thoroughly-camera footage from the ATM etc. I am reaching out to CFPB for help as I am frustrated and am feeling as if the financial institution I have trusted with my payroll is not working to protect me. Please help. In addition to filing this complaint I will be filing a police report.
Consumer complaint received 2017-06-21
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. (IA)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
Consumer complaint received 2017-06-21
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 a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; Experian XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Equifax is reporting a debt for a company called XXXX XXXX XXXX in the amount of {$53.00} I have tried to resolve this issue by sending 2 letters. One in XX/XX/XXXX and in XX/XX/XXXX trying to get Equifax to validate the debt. I have never done business with this company. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for this debt.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second time reaching out to XXXX, Equifax, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
Consumer complaint received 2022-08-04
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. (PA)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place.
Consumer complaint received 2017-06-21
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : Chase account XXXX XXXX  To Whom It May Concern : I dispute the validity of Chase account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (TX)

I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through XXXX XXXX XXXX
Consumer complaint received 2017-02-20
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: LICTY, INC. (CA)

being contacted daily by phone and email from a service looking to reduce my student loan. under names : academic guidance, XXXX last email contained this : If you could call me direct or my team at XXXX we can finalize your application and most likely remove most of your Student Loan Debt Thanks and let me know if you have any questions. 

XXXX XXXX Customer Success Manager XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX called the number asked for XXXX. no one there by that name. i asked for manager and talked to XXXX XXXX. he refused to escalate to a manager above him and hung up on me several times. had other employees answer and also hang up on me. said he was the floor manager and that there was no one above him. stayed on the phone asking but he still refused to give me any other information to the point where he just stayed on the phone silent and ignoring me instead of giving up any more information. extremely unprofessional conduct. the thing about this is that i put information into a website a dfew months back. ever since then, non stop calls emails and people asking me for my personal information. I keep refusing and telling them to take my number off their list but still get these calls.
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (TN)

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I attended a College in 1996, the College was threatened with losing it 's accredition so I transferred to a Technical College. XXXX XXXX XXXX provided Maintenance/Servicing to my Loans, at which time I was told the old debt was deleted due to leaving the School and it later losing accredition. My loans were then sold to Navient who then told me My accounts were deffered, or in forbance which neither happened, and the Interest is more than I originally owed for the Loans to begin with.