davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-22
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)

these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX  XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late
Consumer complaint received 2023-03-30
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. (NV)

I discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in Identity IQ. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CT)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by a XXXX XXXX XXXX XXXX  ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing coinbase services.
Consumer complaint received 2016-12-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: DFC Global Corp. (FL)

Hello, I received an alert to my credit report and it was a credit inquiry from a company called MoneyMart. I never applied for anything with this company and when they pulled my credit report they should have seen a fraud alert and my phone number listed to contact me prior to issuing credit and application verification I did not authorize the inquiry and asking for the fraudulent inquiry to be removed.
Consumer complaint received 2021-04-21
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. (WI)

Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
Experian, XXXX  and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

On the process of correcting errors found in my credit report, I found a lot of incorrect addresses and names. I sent dispute letters to all three credit bureau to fix the issue. XXXX and XXXX fix the incorrect information right away but after several attempts and proof of my right address, Experian has refused to fix this issue. The main reason in my personal opinion why Experian does not want to fix and update this information is very simple, the old accounts are attached to those addresses and names, if they where to be deleted, the old account may also be deleted. So, in turn, you will no longer be tied to these accounts and get a better credit score.
Consumer complaint received 2023-03-30
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$400.00} ; XXXX XXXX  XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$360.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. 

On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.
Consumer complaint received 2016-05-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC (FL)

Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.
Consumer complaint received 2023-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (VA)

I paid XXXX, XXXX dollars, XXXX dollars, Almost 860 dollars paid. 

Credit bureas should make a correction, there is wrong amount and furthermore under fair trade act, less than 500dollars debt should not be listed in credit reports as a correction. US Congress supports veteran like me. Credit bureau should update. 

Attached files are evidences.
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (NY)

I had gotten really ill after catching XXXX. I was forced to take leave from work which lead to me making late payments on my account. I paid off all previous debt as soon as I returned to work and set up auto pay to pay this account off in full as soon as possible.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IL)

My wife recently passed the insurance company returned two checks over payment I deposited the two checks with my wifes name to the estate of in her name plus one check in my name four days later my account charged a deduction of {$250.00} two days later I was charged a {$12.00} returned check fee the {$550.00} and the check in my name XXXX a total of {$820.00} there is no mention of other two checks contacted supv XXXX for 30 minutes with no result my question is why were the checks excepted in the first place dont know what happen to the check in my name or second check in wife name this happen at a branch bank pnc XXXX XXXX Illinois In addition I have been depositing my wifes checks into my account for the pass 12 years????
Consumer complaint received 2022-03-22
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. (CA)

The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M.A.R.S., Inc. (NJ)

I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.
Consumer complaint received 2020-03-12
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)

XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS XXXX XXXX CREDITCARD. see EQUIFAX attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from XXXX  XXXX HARRASSERS XXXX XXXX XXXX XXXX. XXXX  XXXX COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT XXXX XXXX confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS XXXX XXXX REPORTING INCORRECT INFORMATION TO EQUIFAX? WHY ISN'T EQUIFAX RESOLVING?
Consumer complaint received 2020-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (TX)

I am a XXXX XXXX of XXXX XXXX university XXXX college located XXXX XXXX XXXX at the XXXX XXXX, I have been receiving my refund from the school, but after the last payment on XX/XX/2018, so I have written to both the school officials and the financial aid, but no response. Please I need my money because I have gone through pain and suffering, I have been delinquent on credit card and had several late payment on rent.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I was in the XXXX  with XXXX. I didnt have my phone or purse for nearly a week. I get out and see my Wells Fargo savings has basically been cleaned. Money being transferred from XXXX to my debit card ( savings ) & immediately removed or used. {$120.00} at XXXX directly after a transfer. {$30.00} atm. {$300.00} atm directly after transfer. 

I filed a dispute with them on XX/XX/22 and the denied it. I dont understand. No one reached out to me. I even moved and changed my address via Wells Fargo because someone had my address. Wells Fargo should see I havent used my checking card in weeks because it was at my home. Nearly {$700.00} is completely gone. They are making me regret opening that account back up.
Consumer complaint received 2023-03-30
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2022-03-22
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)

The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes Equifax, XXXX or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC. (NY)

Sent certified letter to Gold Key Credit/Collection to verify debt that is not mine no response to date they had XXXX collection accounts and only deleted XXXX but still has not sent any verification of the debt for the other XXXX nor have they removed from credit reports
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central Portfolio Control Inc. (NJ)

We bought a home in XXXX 2011 and got a landline number from XXXX. Apparently the number previously belonged to someone else, because for the last 5+ years we have received dozens of calls from various debt collection agencies asking for a XXXX XXXX . We do n't know anyone named XXXX XXXX, and we always tell the caller this and request that they do not call our number again. 

What would prevent one debt collector from simply re-selling the debt portfolio to another agency, with our phone number still attached to a debt for XXXX XXXX? How can we ensure that our phone number is divorced from this unrelated debt?
Consumer complaint received 2023-03-30
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Hard inquiry A medical debt collections account was added to my credit report, in addition to other hard inquiries. 

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 )
Consumer complaint received 2023-03-30
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. (CA)

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (TX)

XX/XX/2020- XX/XX/2020 way2go has taken and charged me multiple times for the same transactions. I have emailed and called and have been on hold for over 3 hours no one will answer. I have read they have done this to other people. everyone has a long wait to talk to them no matter what time you call.
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (LA)

Description of Complaint : I opened a new checking account online ( XX/XX/XXXX ) to add to my current accounts. As a customer of 20+ years I believed it was a great opportunity to choose another account for the better options available. However after opening the account Chase decided not only to freeze the new account but all my other accounts due to suspicious activity. The first problem was I never was contacted ( phone, text, or email ) to inform of restricting account or verify if I was the person opening account and had to find out because my card was declined making a purchase. After calling in and confirming my identity I was told I needed to go into a local branch and bring 2 forms of identity and proof of address. Once my account was reopened I was notified that any ACH debits ( PD on XX/XX/XXXX and XX/XX/XXXX ) that were still pending we returned. Meaning bills that were paid and processed by merchants yet hadnt finished processing in Chase had now been returned back to the merchants. When trying to resolve this issue I was told that yes I should have been notified but unfortunately there wasnt anything they could do. I have spent the last 5 days contacting over 10 merchants to let them know what happened, 3 of which I cant get access or set back up auto-payments until my next bank statement or I get a letter from the bank verifying my account. Which includes an investment account in which I could be losing money daily ; as well as accrued late fees and returned check fees all because I opened an account through the option available online. There is no disclaimer stating that this is possible and all I received was empty apologies with no resolutions. I as the consumer have no recourse to the banks mistake and am now responsible to clean up my lively hood because they didnt do their due diligence and just restricted my account. Then they sent a letter dated after I went into the bank and verified/opened my account which arrived on today XX/XX/XXXX stating my account has been blocked. Ridiculous!!! 
Desired Settlement : Repair ; Refund ; Modification/discontinuance of an advertised claim