davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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 called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications May be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax and XXXX credit bureaus was dated XX/XX/XXXX2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00} or XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00}.
Consumer complaint received 2022-09-16
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)

This is just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (WV)

Ifiled Bankruptcy in XX/XX/XXXX, was XXXX in XX/XX/XXXX. XXXX and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.Sterling Jewerly as past due and in Collection. Sterling was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Consumer complaint received 2022-07-03
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. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to 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.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/19 my dad requested XXXX from his son in law via  Pay Pal. So his son in law sent it in a hurry and couldnt figure out how to send via family and friends so he just sent it as a transaction. My dad barely set up this account. This was the second transaction. It was set up so we could send him money. So Paypal flags his account for suspicious and possible hazardous transaction and sale and accuses him of having all kinds of transactions and activity. Now they wont allow him to remove the money or send it back. If he accepts it he has to give his social security and drivers license. Paypal isnt a bank. We simply were passing money from his son in laws account to my dad 's via paypal because they dont have the same banks. My dad sold nothing nor is he giving his social or DL # my dad is XXXX and for them to accuse him of such things is dangerous considering the penalties for them. Now they said since he wont comply he has to wait XXXX  days to get it and even then they will force him to get paypal cash which he doesn't want. He just wants to send the money back and close the account. He hasnt accepted the transfer its in Paypals hands still. They dont comprehend this wasnt a sale and my dad is XXXX i dont know if he has XXXX  days. Then they refused to work with me even after I told them I had XXXX and my XXXX couldnt XXXXXXXX I was willing to show documents and still they refused
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I am not getting amount of {$300.00} from the XXXX XXXX though he has paid via wise. He has made two transactions : XX/XX/2021 -> {$150.00} -> Trace ID XXXX XX/XX/2021 -> {$150.00} -> Trace ID XXXX
Consumer complaint received 2022-08-09
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. (TX)

XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE 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.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act US Dept of ED/XXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to 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
Consumer complaint received 2020-10-02
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: CITIBANK, N.A. (NY)

This account does not belong to me. I called MACYS and they said that they are unable to locate my account. To be more specific they said that Account Not Found and they said that I make goodwill payment and this account that I will not be credited for. I can not let them collect money from me for the account that is not mine.

MACYS needs to stop reporting this fraudulent account reporting in my credit report. Since I was able to MACYS and inform them that this account is fraudulent, the initial action I am expecting from them is to forward this account for review. 

I requested what transaction was made in the account and they are unable to provide that information. They continue to report this Fraudulent Derogatory account in my credit report. I demand this account be forwarded to your Fraud Investigation Department for review. I request an investigation on the transaction, the application, and any documentation that you can give before verifying this  account as valid.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 
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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-19
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-19
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)

Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine
Consumer complaint received 2022-09-16
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 not a duplicate nor is this complaint 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 2nd complaint that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does 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 an alleged identity theft. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2017 Balance : {$7900.00}
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I first got into XXXX due to the offer of a grant of XXXX after a year in school I noticed that the quality of the service was poor. Teachers will not show up to the class in many occasions class was cancel. Most of the class were giving by different substitute where everyone had a different teaching style. I was not learning anything at all. I pass the class and don't know how as the teachers was granting good grades to everyone regardless if they show up to the class or not. The grades was fraudulently granted.
Consumer complaint received 2019-09-13
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. (WA)

I placed an order on XXXX XXXX 'XXXX website. They were having computer difficulties at the time, and I did not see my order go through. I was on the phone with a representative from XXXX, and we placed the order again. When I looked at my credit card statement, both orders where almost immediately charged to my statement. XXXX was incorrect ( wrong, charge, wrong amount of product ). I asked XXXX to remove the incorrect order, which they did the next day, after resolving their computer errors. They also issued me a credit, which they said would go through on XX/XX/XXXX ( because of the holiday ). 
They provided an incident number for me. 
I called them back in a week when the credit did not show up on my account. They said the credit had gone through on the XXXX, and might need a little more time to show up on my statement. I waited another week, and called XXXX again. XXXX   assured my the credit had been processed by them on XX/XX/XXXX. 
I tried to call Citi Bank. They have no phone numbers on their website but I tried to follow the online instructions for disputes. Since they were still listing the {$1200.00} charge as pending, I was not able to file a dispute. I initiated a " chat '' on line, and " XXXX '' said I had to wait XXXX days. 
How does a credit card company charge a card immediately, but it takes them XXXX days to credit an account? I believe the Citi 's game is to leave a big charge ( which the consumer knows has already been credited ) on an account. That way Citi can charge late fees and interest even though they have already been issued the credit.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MN)

My cash rewards for my Apple Card are getting deposited into an XXXX XXXX account with a negative balance that is due to fraud. I believe this is unfair and deceptive as I have an Apple Card ( credit ) backed by Goldman Sachs but getting rewards are deposited into a into a debit card ( Apple Card ) from XXXX XXXX XXXX stated that my negative XXXX balance is due to a chargeback that I reported as fraud, because it was fraud, I have a police report. XXXX states the resolution can take up to 180 days. Which means every daily cash reward will be deposited into a negative account.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

I have not been able to go back to Ohio where I get my mail because of COVID and XXXX issued me new card and charged me a fee for it which I didnt know about. I have not been using this and for a long time and didnt even know about it. They are now saying I can cancel the card but still have to pay the fee.
Consumer complaint received 2021-07-19
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. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

Since XX/XX/2020, I have filled XXXX times a dispute asking for a removal of remarks of delinquency reported by XXXX XXXX. Each time XXXX sends a letter with the resolution in my favor and an updated report. The problem is XXXX days later the remarks appear again in my report. XXXX says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from XXXX when the loans were under forbearance. I have disputed this with XXXX without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (NJ)

On XX/XX/2019 I discovered online that VIO Bank ( based in Oklahoma ) was offering 2.52 % APY for its high yield online savings account. I did some research and even called its customer service ( XXXX ) to ask a few questions. After my questions were answered, I decided to open a joint savings account, but was instructed by the operator to complete the application online. On the same day, I completed the application for a joint account using personal information. The application also contained some questions for identification after the personal information was entered. I completed all the questions and submitted the application. As a result, I received a message indicating Unfortunately, we can not process your application. I tried reapplying for the account for three times afterwards, but received the same results. My application was rejected. I called the customer service number ( XXXX ) on XX/XX/2019 to inquire about the rejection. The lady operator asked for my SSN. After looking at the application, she mentioned she could not reveal the reason why my application was rejected and instructed me to reapply online at a later time. I asked to speak to a manager but was informed no additional information would be provided by the manager also. I  expressed my concern that VIO bank collected my personal information, failed to explain the reason for rejecting my application, and may possibly divulge it. It wasn't fair for them to hold my personal information without providing any service. I have an excellent credit score, and there wasn't any reason for a rejection. But the operator couldn't provide any further assistance. I reapplied later on XX/XX/2019 for one last time, but was rejected again. I am not satisfied with Vio Bank. They're hoarding my personal information and not providing any resolutions. On their website, I discovered other people also had the same ordeal and voiced their experiences. Neither its website nor its live customer service were useful. VIO Bank needs to be held accountable for their shady business practices. I'm demanding some action be filed against them. Thanks
Consumer complaint received 2022-09-16
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 XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to 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
Consumer complaint received 2022-09-16
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. (SC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-09-13
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)

Equifax reported on my annual credit report incorrect information. They wrote that I had a high balance of {$920.00}, at XXXX credit card from XX/XX/2018 to XX/XX/2018. My credit limit is {$400.00}. I called XXXX and they verified Equifax was wrong in this part of my consumer report. XXXX is mailing me proof that Equifax is wrong.