davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (FL)

Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Consumer complaint received 2019-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

sent police report ftc violation and hacking XXXX XXXX, XXXX or XXXX XXXX  fail to look into the ftc violation
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (PA)

I'm submitting this complaint in reference to AARGON COLLECTION AGENCY knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Consumer complaint received 2022-10-11
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. (ID)

Account XXXX XXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; 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 whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (CA)

Is a collection account from an insurance service I had in XXXX  and I paid off. This account was sent to a collection agency named Receivables Management Systems. I asked to the collector to sent an itemization and the collection agency sent an itemization that does not anything. It doesn't say what my monthly payments were, it doesn't clarify where the late fees stem from, it doesn't specify what payments were reversed or when the file was cancelled. Furthermore, my final payment is for a large amount. That is indicative that I called on the final month and payed off the balance before I moved to XXXX. I asked to a friend to call on my behalf because this collection agency threat me very rude in the past. The collectors transferred the call several times to several departments and finally transferred with a collector who couldn't tell us anything about the account because it was a collections department and not a dispute department and no managers were on the floor and no one could speak about this account but anyways we have to pay.
Consumer complaint received 2022-10-11
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 sent a letter to the Credit Bureaus requesting to remove the 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 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX  XXXX Balance : {$38000.00} ; XXXX XXXX  XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-10-11
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forster & Garbus LLP (NY)

I had an 18 yr old XXXX card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by XXXX. It is Foster and Garbus. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.
Consumer complaint received 2019-07-16
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)

Recently, I Review my Credit files on XXXX  and Equifax, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the XXXX  XXXX, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (MA)

World Remit does not deliver what it promised on time. I made several calls during 24 hours period. The money involved is {$1000.00} and was sent XX/XX/2019. Since then I called several customer service agents, and each of them has been saying the same reason, that its payout partner does not provide any confirmation after it received money. So the agent provided two options for me to consider, cancel the transaction or keep waiting. I took the cancellation and I demanded to send back my money back to my bank account in US as soon as possible, but the agent does not not guaranty when I will get the refund.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NM)

Contact my mortgage broker, XXXX XXXX on XXXX. He advised me to contact to contact XXXX XXXX. XXXX was hired by myself & the private sale purchaser hired to draw up the Legal documents and accepted payments which were submitted to Wells Fargo, they failed to process the necessary paperwork on their behalf. Currently house hunting to actively purchase and was provided the same information from both realtors. My credit report still actively reporting against me for the property in WI, negatively reporting and affecting my credit score, and ability to purchase a new home. This is almost 5 years of damage to my credit report and now negatively affecting my ability to have a roof over my head, as my apartment lease is up and I cant get an approved for a loan. I called Wells Fargo XXXX and the employee sent me an email with the same exact document that I received from XXXX XXXX on XXXX, stating that it is paid in full and the deed has been satisfied, fully cancel, and discharged from me.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NJ)

The issue I would like to report is in regards to Hyundai Motor Finance ( HMF ) and title services. I am unable to process a title transfer because Hyundai Motor Finance is not responding to multiple document requests which is required to support an out of state transfer from the state of XXXX XXXX XXXX XXXX  XXXX is a titling state, meaning although there is a lien on the car, I have the title. Unfortunately, the lien holder information on the title is no longer accurate. In order for New Jersey to process the title transfer, XXXX XXXX  XXXX XXXX XXXX needs Hyundai Motor Finance to provide a letter on Hyundai 's letterhead indicating the corpcode and associated address for the state of XXXX XXXX I have made multiple requests for this information by phone and through Hyundai Motor Finance 's website since XX/XX/2022. Phone calls are horrific, customer service representatives do not understand the request, I often request to speak to a Supervisor. Supervisors, try to assure me they understand the request but I have not to date received the document needed to support the transfer. Below is a list of dates I have contacted HMF. I've started to make a document request every single day via their website starting XX/XX/2022. In my request, I do ask they call me or email if they do not understand the request. 

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 2022-10-11
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. (TX)

XXXX is giving me a hard time about things on my report,, I cant understand is how I file a fraudulent report back in XXXX when things started happening on my report,, I sent a copy of the file number and date so I what I cant understand is how can you update my disputes with my current credit report,, yes its going to match if it was stolen and used come on now how can that really happen its not fair and its not right to continue to be a victim and cant get no help XXXX removed the negative information I disputed why yall cant how XXXX just update stolen information with current information and says its me when telling you its not me XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and more of the dispute please stop updating my current information with this fraudulent report please remove these things please
Consumer complaint received 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. 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. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

I changed my sign in and password for XXXX this morning. When I received this message I thought nothing of it... XX/XX/22. I gave them my credit card number then stopped and shut down my phone because I thought this is strange. It was my XXXX XXXX card with Citibank. I then realized what I had done and opened my Citibank app and it was in XXXX. I have had the card for years. I cancelled my XXXX card. 

I called XXXX and he said to contact you. He was aware of the scams. I gave too much information. 

Both XXXX and Citibank were very helpful in changing and closing passwords etc.
Consumer complaint received 2021-08-18
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. (PA)

Hello my name is XXXX XXXX and 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 charge. I ask that the items be deleted to correct my credit report. I reported the theft 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 2022-10-11
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. (FL)

I am a natural person, I am a human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be deleted. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts and inquires. 



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 2019-07-16
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: ATG Credit, LLC (MS)

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX ATG credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My card went missing maybe a week ago, but I always misplace things so I didnt think anything of it, I would just XXXX money to family members so that I can have cash. After doing that for a week I tried logging in my account again to XXXX once more, and I noticed my account was locked. I then called to listen to transactions and noticed a check for {$15000.00} was deposited into my account and I didnt notice. Whoever deposited this check was trying to transfer money via wire. The bank wont talk to me and has now placed my account on a hard hold.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: RENASANT CORPORATION (MD)

XX/XX/2020 I transferred {$7300.00} into my renasant bank account from my XXXX  ( XXXX XXXX ) and Renasant bank rejected my ach deposit by my request and sent the funds back. I still havent got my money back yet.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (PA)

I have a charge of XXXX out of XXXX for my card I was told they knew nothing and to call back on the XXXX. Apparently its a scam website that has stolen money from there gift cards in the pass. Its only XXXX but I will get a lawyer this money was a gift to my child. For them to know they had problems with this site there cards were compromised and they have no answer for there customers only to call back in a week. This company should b shut down if money is not safe in there bank accounts.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (ID)

My credit card statement closes on the XXXX of every month and the new month 's period begins on that day. Bank of the West ( " BOW '' ) reports the status of my credit account on that date to the credit bureaus. This past XX/XX/2020, my credit account was reported to the credit bureaus as has been done in the past ; however, on XX/XX/2020, another report was provided to the bureaus and at the time that report was submitted by BOW, my account balance was 99 % of the credit limit. As such, this tanked my score ... 

In trying to contact BOW, the agents first claimed that BOW agents were not trained to know the dates BOW submits credit account information and status to the bureaus and that if I had an issue, I should contact the bureaus, but upon my investigation into this matter, BOW should be able to aid me in addition to filing a report with the bureaus themselves. So, I called BOW back and explained everything again, only for the agent to put me on hold and eventually terminate the call while I was on hold. I called back and then there was silence on the other end of the line followed by the call terminating.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (FL)

Ive been a victim of identity theft for many years somebody open this account Ive been trying to Talk to this company to remove this account because it was open with out my authorization with Thats an account from XXXX XXXX XXXX now its on collection And the steel done doing nothing A note on your XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) account This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I made an bill payment using Chase Bank and they confirmed payment was made and withdrawal from my account but seem to always give me problem confirm or verifying the payment or hold the payee or online or debt was paid they should be required to track and prove payment and they do not help me to prove payment was received. XXXX XXXX XXXX have no record of payment but cash the check and they was able to buy my debt of XXXXXXXX XXXX this should be illegal please investigate my request for proof of payment and why there's no payment of listed in XXXX XXXX XXXX XXXX. account of cashing the check for the amount of {$100.00}