davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

When I attempted to place a credit report freeze on my account, Equifax WARNED the PIN they would send MUST be used to access ( unlock ) my credit report. 
Their transmittal : Could'nt open PDF So now my account is frozen, and I NEVER received a PIN to unlock it. 

I am dissatisfied to accept Equifax 's offer of one year credit monitoring as I read it is BUNDLED ( in the fine print ) to an arbitration clause. Anyone with a brain understands arbitration is a FRAUD perpetrated against consumers. Which you seem fine with. Tells where your paychecks are REALLY coming from. 

Attempting to place a credit report freeze at XXXX  has been IMPOSSIBLE. 
Online, they as much as call me a liar and refuse to allow a freeze. They then recommend I call XXXX XXXX XXXX XXXX to speak with an agent who will pace a freeze. 
Great. Until you realize they will NEVER answer. I have made multiple attempts, given my SSN, zip code and street address number to their XXXX robot answering machine and then am dumped into a ( never answered ) cue. 

MY data was stolen. Now this breach is being compounded by the relevant credit reporting bureau 's REFUSAL to allow safeguards to be emplaced. 
Please save this communication for referral should litigation become necessary. 

XXXX, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Consumer complaint received 2021-02-25
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. (CA)

XXXX XXXX XXXX XXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX  XXXX .... balance {$3900.00} XXXX XXXX XXXX  XXXX .... balance {$18000.00} XXXX XXXX XXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

We have been defrauded by Citibank for the total amount of {$65000.00}. 
Accounts involved : XXXX, XXXX. Accounts are in the name of Mrs XXXX XXXX, and are managed by my spouse, XXXX 's daughter, XXXX XXXX as Power of Attorney. 
Account XXXX, in the name of XXXX XXXX XXXX Estate. Also managed by XXXX XXXX, daughter of the late XXXX XXXX XXXX. 

Finally our personal checking account XXXX which was started 40 years ago. 

The problem : In the first week of XX/XX/2020, we noticed several checks that had been attempted to be deposited to all the accounts above. The amount was the same in almost all : {$4700.00}. All checks bearing addresses from upstate New York were made payable to XXXX XXXX. Most checks included XXXX 's complete Social Security Number, which in itself should have been a red flag. 
The next step of the fraud was made in person, where someone impersonating my wife XXXX, went to a Citi Branch in Illinois and made withdrawals using my wife 's PIN number, and ( or ) my number, when it came to our joint checking account.This also should have raised a flag. It did not. The signature of my wife was imitated very badly in this process and her name misspelled. Another red flag ignored. Our signatures have been on record for 40 years. A Video of this person exists. 

We brought all this to the attention of the branch management and they contacted the Citi fraud unit and told them unequivocally that these transactions were not made by us. They also told them that they had spoken to the management of the Illinois branch about it. 
We have not travelled to that State.We have never been accused of a crime. 
We have spent countless hours going to the branch in our neighborhood speaking to our customer service rep, Assistant Manager and the Citi fraud Unit during these dangerous times. 
We have also spent hours speaking to the Fraud Unit from our home while quarantined. Last time was today while at the branch. 
The Fraud Unit contrary to the determination of the Branch management, told XXXX that there would be no compensation for us, while offering no tangible- factual reasons. 

Remarkably, the exact same treatment was offered to me, XXXX XXXX, about 2 years ago, when my Citi credit card was defrauded via a non chip credit terminal at a store. 
Only after my complaint to this agency did my then nightmare ended. 

It is obvious to anyone with a brain, that a Citi employee stole all our personal info, PIN numbers included and perpetrated this crime with Citi 's negligence as a helper. 
Their recalcitrant/indifferent response is an insult to us on top of injury. 
Citibank is aiding and abetting crime. We are sick of being abused. 
We Obviously Need Help.
Consumer complaint received 2020-05-27
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: Colony Brands, Inc. (IL)

On XX/XX/XXXX I spoke with a representative by the name of XXXX Id # XXXX at Swiss Colony/XXXX  in regards to acct #. with a balance of {$340.00} I have been disputing this reporting for years to come, and every so often it reappears on my credit reports. So today I decided to contact said company a request validity of the debt, requesting that they provide proof that the account belongs to me, something showing my signature, identification something that will prove that this is my account. Per XXXX she stated that due to this account dating back to XXXX, they do not have anything that will prove the account belongs to me other than an invoice. Now mind you I have been requesting this information for many years and have yet to receive it. I called Swiss Colony again so that I can get the account number, at that time I spoke spoke with XXXX who in turn told me she unable to find account, she then transferred me to a XXXX who stated he was unable to find an account under my name and that the account listed under my phone number is for a different person. I was then transferred to XXXX ( supervisor of customer service ) that stated the account was for XXXX XXXX. I was then transferred to XXXX ID # XXXX  ( supervisor of collections ). Requested that she send proof that the account belongs to me and she in turn stated I will need to send in a fraud packet. I know that any and all agencies have to provide proof within 30days of validation request.
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX home. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after Wells Fargo opened more than 4 accounts in my name, charging me extra each month on each account.
Consumer complaint received 2021-03-26
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. (CA)

There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I keep a close eye on my credit reports now since my car was broken into and all of my cards, checkbook, and my expired drivers license was stolen ( this was in XXXX of 2020 ). About a month later I notice a debt collection for {$260.00} on my credit report stating that I owed XXXX XXXX XXXX for some sort of service ( they would not answer as to what service when I called several times they also told me I have to give them an account number to receive any help, well seeing as how Ive never done business with XXXX XXXX XXXX, I have no such account number and was hung up on several times ) that I supposedly opened earlier that XXXX, I ended up having to dispute the collection with XXXX  and the collection was later deleted from my account. I thought it was all done and handled, until I kept getting calls ( currently still receiving calls ) from a SECOND collection agency ( this time called AFNI ) about the same debt ( but apparently this same debt was opened in XXXX of 2020 ) and earlier this month the collection showed up on my credit drastically dropping my score ( AGAIN! ). This is beyond frustrating and I have gotten nowhere with this companys customer service or their fraud department. They claim they cant help me since I cant give them an account number, I DONT HAVE ONE BECAUSE I HAVE NEVER OPENED AN ACCOUNT WITH THEIR COMPANY!!
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft due to an equifax credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME ADDRESS
Consumer complaint received 2021-02-25
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)

An unknown inquiry hit my Equifax report that I did not apply for. I believe it to be XXXX. 

The inquiry supposedly came through on XX/XX/21. 

I reached out but could not get anywhere with them.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

My mortgage company has not giving me account credit for payments made, they have filed against my credit for payments stating they were 30-60 days late, and they continue to change me late fees. I have not missed any payments and all payments have been made within 15 days of payment due dates. I made a payment for XXXX over the phone with their agent and they are now stating the payment was refunded however I have bank statements proving the payment went through which I have already sent them. They are stating the statement is not enough prove all while continuing to change me late fees and file against my credit. I have all bank statements and credit report to show proof of whats happening.
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Paypal has as of XX/XX/2020 started requiring the use of text or phone calls to access my account, without notice of this change. In doing so, it states that I would grant Paypal permission to call and text me for a variety of reasons. I will not grant them that access. I have never provided my phone number - it was pulled from a 3rd party transaction. Since I can not access my account, I have no way to track or manage a {$25.00} pending credit. The credit should be provided in " 5 to 7 business days ''. 

XX/XX/2020 was the 5th business day. Paypal refused to process the credit or provide any explanation for requiring 7 business days. I spent 5 hours on the phone attempting to resolve this issue. I was hung up on once. I spent at least three quarters of that time on hold. I spoke to 4 different individuals from CSR to Manager and I had to re-explain the entire situation to every one of them. They refused to provide a direct callback number so I could follow up on the 7th day. So I can waste another 5 hours.
Consumer complaint received 2021-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/XXXX, called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from you. My concerns are these : In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief.
Consumer complaint received 2021-02-25
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. (MI)

On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called XXXX XXXX to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my business shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the XXXX XXXX website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stellar Recovery, Inc. (OH)

I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-22
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. (PA)

XX/XX/2021 Equifax credit reporting service I should them exactly what was wrong ( fraud ) on credit report and they said they investigated but did nothing. I asked to see how and who they did investigation with and told known of my business. They are committing federal crimes that start with FCRA. I told them about a XXXX dollar collection with XXXX XXXX XXXX. but they did nothing. This company says I owed univeristy of Maryland XXXX dollars off of XXXX XXXX dollar stay. This company never sent bill, never calked me, cant produce what bill is for and it is then calked fraud. Every other agency deleted from this colkection company but equifax. They are just asking them ( i think ) if debt is right and not asking for information needed to prove ut is a collection. I would have paid in one second not to take 40 hours to tell them this company diesnt care it us breaking the law. 
2. American XXXX has me on charge off and late payment but with no proof either. I can write same things but just go back and see how equifax is breaking federal and state laws. 
3. XXXX had feaud account 7 years and 4 minths ago but equifax want take off my credit. They sent whoever a new card because whoever did it driver XXXX dollars in one month so they sent new card snd it doesnt show what hapoened before new card was sent too XXXX. It needs to go and alk things that goes with XXXX on credit report. 
Last 4 different companies made hard inquireys that were fraud or got info trying to get loans off my name. 
FCEA says equifax needs signature, ids and proof it was me that tried to get lians. I will tell uou whst companies got fraud on inquierys. 
XXXX XXXX, equifax mortgage, XXXX XXXX XXXX and XXXX XXXX all were fraud to try to get loans and made hard inquierys. Equifax is in XXXX and doesnt avide by usa law. If they did this infomartion would be off repirt like the ither 2 repirting agencies.
Consumer complaint received 2019-02-27
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: AES/PHEAA (ND)

I received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I rented a car in XXXX. At the time of returning the car, the rental company charged my credit card {$2200.00} in damages that I did not agree with. The condition report that was sent to the credit card company was not signed by me. Furthermore, I did not cause any damages to the car. I have attached pictures of the car, as well as the condition report signed by a different individual.
Consumer complaint received 2020-05-27
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 account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.