davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (VA)

IQ Data International at XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of {$2200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-07-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (WA)

The company set me up on a rehab plan I set up 9 payments that was the criteria. I also had to send them copies of paystubs and a bill 3 times I met my part of what they asked. They are a year later calling saying I didnt make all my payments which I did I gave them my account info and approved the 9 payments they advised were required. I also faxed and mailed the documents they asked for. They are now calling me at minimum 5 times a day saying I have to restart the program because I missed payments which i could not have I gave me info and authorized them to take the payments and they did. I dont feel its fair to me trying to get my loans back on track that they drop the ball and dont follow through on their part and now I have to restart the whole process. This seems very shady and I dont agree when I say Im at work I cant talk now they call and call I will loss my job and they dont care.
Consumer complaint received 2022-08-25
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-14
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. (GA)

I reviewed my report and I'm unfamiliar with these accounts. 
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 2019-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Was informed by XXXX that the I C System account was verified and remaining on my report. I have not had any open accounts in over 11 years, and have never had an account with XXXX XXXX of any kind. This negative report has an open as of date of XX/XX/2019. This is not my account I have not open an account and more than 11 years. This account is not reported on any of my other credit reports. This account is not mine and should be removed from my credit report as false and untrue.
Consumer complaint received 2022-09-30
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. (MI)

I have filed numerous complaints against Equifax, XXXX and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all XXXXredit Reporting agencies shouls be deleted.
Consumer complaint received 2022-10-17
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. (MO)

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER
Consumer complaint received 2019-07-24
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I reported to Wells Fargo, XXXX and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. Wells Fargo checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and XXXX at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling Wells Fargo about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX  showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (WA)

On ( or about, I was out of town for a couple of days ) I received an unsolicited prepaid card from a company called Netspend. I thought it was illegal to send unsolicited credit and debit cards through the mail. I called the number below and cancelled my account and told them not to share my information. I asked where they got my info from and they said they'd call me back with that. Haven't heard from them yet. 

The company 's info is : Netspend XXXX. XXXX XXXXXXXX XXXX, TX XXXX The direct deposit info on the letter is Routing number XXXX Financial institution name XXXX The number to cancel and prevent further contact and info sharing is XXXX. 

Here are their XXXX XXXX XXXX details : Headquarters XXXX XXXX XXXX, XXXX, TX XXXX XXXX  File Opened : XX/XX/XXXX Years in Business : 20 Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in TX Type of Entity : Corporation Alternate Business Name XXXX XXXX XXXX   XXXXt Ms. XXXX XXXX, Vice President Customer Experience Mr. XXXX XXXX, Senior Vice President of Operations Additional Contact Information Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On XX/XX/2019, I received a notice from the XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid charge to my government travel card, which is allegedly delinquent in the amount of {$7.00}. I told the representative from the XXXX XXXX XXXX XXXX XXXX that I had disputed a {$7.00} charge because I did not recognize the charge and had no receipt for the charge. I also explained that CITI did not respond to my dispute and it had not been resolved. 

Today, XX/XX/2019, I received my third late notice from the XXXX 's XXXX XXXX  XXXX XXXX XXXX XXXX, despite the fact that no payment is due ( CITI screenshot attached ). I still have not received a reply regarding my dispute, although I made a payment of {$7.00} to the account, which posted on XX/XX/2019. 

I view this treatment as harassment and poor customer service. I am concerned about the impact on my job and my credit rating, given CITI 's poor record-keeping and lackluster response.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (CA)

I have no idea who XXXX XXXX XXXX  is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...
Consumer complaint received 2022-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

According to 15 U.S.C. 1681 section 604 A. States I have a right to privacy. Equifax has violated my rights! 

On ( XX/XX/2022 ) I discovered ( XXXX XXXX XXXX XXXX ) had been re-inserted into my credit file. Equifax is 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.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I saw an unauthorized transaction made on XX/XX/2022 of {$5.00} on XXXX com in XXXX, XXXX. However, I dont use the train in XXXX XXXX I dont have a receipt to prove that I made this purchase.
Consumer complaint received 2022-01-12
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. (IL)

XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the XXXX credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX XXXX I need good credit to get a good XXXXt. This company just destroyed that!
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (CA)

Description of issue : I got a pink slip loan 3 years ago and I have paid over XXXX on that loan. The amount borrowed was around less than XXXX. Most of that money has gone into interest instead of the principle, the interest on this loan is over 119 %. I have to re sign a new loan because I was given 3 years to pay it off but since I have not paid it off. I still owe XXXX towards the principal. I wanted to see what options I have, I dont want to lose the vehicle. The vehicle is not even worth that amount I have paid for or the amount I owe. Please let me know what you suggest or what options I have. I have copies of the original document I signed, the payoff letter and the amount I have paid over the 3 years.
Consumer complaint received 2022-04-22
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. (FL)

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX  XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Consumer complaint received 2022-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

In this letter, I will practice my right as a client of Coinbase to claim for reimbursement. 
On XX/XX/XXXX, I entered into an investment contract with a scammer called XXXX and XXXX ( the Scammer ) to transfer the equivalent of XXXX USD. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX, and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account, and no trading actually took place. This was all a scam, and the recipient simply pocketed the money. 
Again, I apparently need to reiterate the fact that my money I transferred wasnt used for any investment, trading, or purchasing shares as was promised to me, my money was used for paying for service which I didnt get. My money wasnt in use for any actions, it was simply transferred to the owners bank account. 
Since I didnt purchase anything and I didnt invest in anything, my money wasnt in use for anything, it was simply pocketed by the beneficiary account holders. 
Their sophisticated, manipulative, aggressive emotionally/psychologically driven sales tactics specifically tuned in to my personal circumstances was a deliberate and vicious financial crime on me as a vulnerable and unsuspecting individual. 
I also understand now that there is a multimillion-pound industry out there with such companies operating to effectively steal people 's money using these tactics.
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank You.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

It has been brought to my attention that Lexis Nexis has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NY)

I have a student loan, I went onto my account to see the balance. It said XXXX  when I wen to see loan history, I saw that on XX/XX/22, it was sold. I was given no information about this and can not seem to get a response account XXXX
Consumer complaint received 2022-10-17
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: DISCOVER BANK (NY)

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. This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
DISCOVERBANK XXXXXXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AL)

It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (WA)

In XXXX of 2019, I failed to make a payment on my Best Buy credit card. I thought auto pay was set up, but it wasn't. It was an honest mistake, and I've made every other payment on time, but that one missed payment is really affecting my credit score. I called them to try and get it forgiven and taken off of my credit report, however, they told me they couldn't do anything and pointed me to you guys at CFPB.