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: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

U S Bank Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (CT)

I had fraud by a site called XXXX XXXX on my Netspend card in XXXX and XXXX of 2021. I tried to file a dispute but the dispute filing software was down on my Netspend bank account. They told me wait a few days and try again. I waited a week the software was still down. I kept calling and they kept telling me to wait. Finally after no results in XXXX I emailed and they told me to send email documents so I did. Well its been 4 months and they still are investigating. 6 months if you cant when I had to wait because of the software being down! This is ridiculous. They emailed me in XXXX and said I had to wait until XX/XX/XXXX for a resolution. Now on XX/XX/XXXX they tell me there is no resolution yet and I have to wait until further notice. This company is scamming me and holding my {$2700.00} for half. A year now this is ridiculous! I want my money!
Consumer complaint received 2021-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-18
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: BARCLAYS BANK DELAWARE (MI)

I was at a church function on XX/XX/2021. It was a XXXX. A bunch of moms and myself went to a church function to prepare for the XXXX. We all put our purses and wallets in a cabinet and it was locked by the church guard. It was around XXXX eastern time I got a text and a call from barclays credit card Mastercard stating are you the one that made a purchase for like XXXX something at a XXXX XXXX I immediately said NO and I called them to stop the card. I ran to the church locker and notice the locket was broken into and a bunch of us had our wallets stolen and purses. I filed a fraud claim with Barclaycard and within two days they gave me a temporary credit for like XXXX something that was used on my card then two days later they charge it back and say im responsible! That is not fair I have been fighting it for a month and they refuse to even open up the case again. When they say 0 liability. That is not true. In this covid era we are all living check by check and they do this to me. I have given then all my other cards that have been stolen and they are all investigated and taken care of. But, XXXXarclaycard is refusing to help me it is not fair. I cant afford this and living on unemployment and now they want me to pay for these fraud charges? And the investigation dept is all XXXX people that hang up the phone on you and dont even give you the time of day. Please help me
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)

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 of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (TX)

I have had numerous background checks ran by checkr for various employers. The FCRA rules clearly state that background information beyond 10 years may not be reported. Also in Texas it is illegal to report past 7 years unless the employer is specifically offering a position with a gauranteed annual salary of {$75000.00} or higher. Checkr has violated both of these mandates numerous times with different companies causing me to be denied employment. They do not respond to any correspondence. I have sent them 30 emails, no response at all. NONE. Furthermore the company is guilty of absolute blatant lack of ethical responsibility to their duty and blaming it on covid. The court houses in XXXX TX NEVER CLOSED AND WERE NEVER BACKLOGGED FOR ANY REASON OTHER THAN FELONY CRIMINAL TRIALS. They pick and choose what companies to run background checks in a timely manner for and others they delay. How would I possibly be able to make this accusation?? Because literally today I had one background check ran in XXXX through checkr. It came back in 10 minutes. The one for my XXXX account that has me out of work and In sever financial trouble, is going on 30 days with no valid reason, no response from checkr And something has to be done. They have to be held accountable. This isn't just dealing as a private business, they are in control of peoples livelihood.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I have been trying to get in contact with Mohela Customer Service and the phone keeps disconnecting. I checked my online and there was no update on my PSLf count After XX/XX/2022 I currently have XXXX Tslf and XXXX PSLf with over XXXX qualified payments. Mohela never advised me I need to update my certification from my employer. I completed on XX/XX/2022
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. (NY)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
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. (CA)

I have provided each credit bureau ( XXXX, Equifax and XXXX ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.
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 information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, number:XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX, XXXX XXXX XXXX
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 — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

I have a late payment on my account because I attempted to pay it online using the portal that the company offered but I had repeated problems with the portal when trying to enter my payment. After a couple days of trying i called the number when i had time and made a payment over the phone It was late but not 30 days late but i now see my report and i now have a 30 day late payment on my report from that company from that month. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not only not 30 days late but it was caused by a problem with the portal. Thanks
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX  and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.
Consumer complaint received 2021-11-22
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: CITIBANK, N.A. (TX)

There are three hard inquires reporting on my credit report that were not authorized by me. I have tried contacting the credit consumers to request for details about the reports but the company was unable to provide me with the information needed to confirm that the inquire were authorized by me. Two of the inquires are from the same company and were reported two days in a role which should have alerted the credit bureau as a red flag. Please see the details for the three inquires below. 

XXXX-XXXX XXXX, 2021 XXXXXXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX, 2021
Consumer complaint received 2019-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX- Wells Fargo ATM eats my Business Debit Card and a large number of checks being deposited. This is on the heels of the same occurrence ( at a different branch ) occurring a week or so previously with regards to my Personal Debit Card/Checking Account. 
Ive noticed this all happening as I was deciding to close accounts and move funds away from Wells Fargo after XXXX XXXX performance on the XXXX. 
XX/XX/XXXX- Wells Fargo reverses the Deposit amount of {$4800.00} essentially stealing my checks by order of Provisional Credit Reversal without any notification whatsoever. This is in violation of our agreement which had me request and be promised that no case would be closed or resolved until Id received proof of the recovered checks, an explanation as to why this has occurred to me now multiple times, and statements from the Branch and the ATM servicing company verifying whatever alibi WF decided to present to me, which as it turns out, was none.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CT)

On, XX/XX/2020, my Economic Impact Payment Card was stolen at the XXXX  parking lot in XXXX, CT. My wife 's purse was stolen approximately XXXX from the shopping cart. XXXX Police was called and a police report was issued. 

It looks like the thief used the card after XX/XX/2020 and made several unauthorized transactions ( 27 disputed ). 

I notified Money Network ( A First Data Company ) on XX/XX/2020 that the card was stolen on XX/XX/2020 and all future transactions ( 27 disputed ) was unauthorized. There was also a return made on XX/XX/2020 but I have no idea by who. 

Money Network 's responded on XX/XX/2020. I called them several times. I spoke with XXXX twice and she said don't worry we will review all disputed transactions despite the notices only listed 7 disputes. Later, Money Network responded on XX/XX/2020 that the dispute was considered closed since a return of {$47.00} was made on XX/XX/2020. I did not make this return on XX/XX/2020 since the card was stolen on XX/XX/2020 at XXXX. 

I don't understand Money Network 's position. The card was stolen and a police report was issued. Please assist me.
Consumer complaint received 2019-01-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (MA)

I had a mortgage with XXXX. The last time we made a payment on the account was XX/XX/XXXX. XXXX sold the account to Seterus in XX/XX/XXXX. We never had any dealings separately with Seterus. They took over the XXXX account. We sold the house in XX/XX/XXXX and paid off the mortgage. Seterus is incorrectly listing the account opened in XXXX and listing it as a foreclosure on one credit report. The account was never opened with them in XXXX. We had no dealings with them other than selling the house in XXXX nor did we ever take out a mortgage directly with them. 
There was a class action suit against them in XXXX because of their lending practices so we are not the only ones who have had problems with them.
Consumer complaint received 2019-01-20
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)

Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,
Consumer complaint received 2019-01-20
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I received via email a notification from the fraud detention unit telling me to call to verify recent activity on my card, I was also left a voicemail to call. On that same day I called to verify what was happening, I was at work and called after, while driving on my way home. I was then notified of the fraud activities that took place on my account and was disclosed a list of transactions to verify I was asked if I remember last time I saw the card, last time I saw it was at the airport when I used it to pay for a seat at XXXX XXXX, and I said I think I put it on a draw in my house. I was told I should hear from the investigation team with any concerns or if any information was needed from me, I was going to be notified. 

On XX/XX/XXXX, I received a call from the fraud investigation department agent XXXX  called me and informed me that they have determined that the transactions were valid because I allegedly replied to a text verifying a transaction from XXXX on XX/XX/XXXX, and that all transactions are deemed valid, and I am responsible for the fraud activity that took place. 

First of all, I was working during the time all these transactions took place, I have not replied to a text and if your records show otherwise then my phone was hacked. On the other hand, other methods of communication should have been used, an email sent, a call made like it happen the day I discovered the fraud. All transactions were allowed to take place, transactions that were outside my normal usage and large amounts and the only thing your representative says is that a text was used to confirm a transaction from one store. 

The representative argued that my responses are inconsistent, I thought the card was in my drawer, as I told the initial representative, this is not the only credit card I have whether this card was lost or was stolen I cant recall. Last time I used and saw the card was at XXXX XXXX and I told the representative this. Another representative XXXX told me I never called back to report I didnt have the card and that it was lost/stolen. I was advice on my first call not to do anything that you will investigate. I did not make these transactions, I will not be liable for goods I did not purchase.
Consumer complaint received 2019-01-20
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. (CA)

Equifax stares on my dispute form that they verified a bankruptcy via XXXX XXXX. However my XXXX XXXX has been frozen for quite sometime now due to previous fraud and i also have a fraud warning on my equifax account. I called XXXX XXXX  to find out if any information was requested and they reported no and that my account was frozen. I called equifax customer service to find out what method they used to verify the bankruptcy and they stated that they used a 3rd XXXX XXXX, i said that was impossible because the account is frozen. They then stated they went through a different 3rd service. I asked which one because by law you have to disclose and the agent didnt say anything i also stated that in my report its states they used XXXX XXXX. After about 19 mins i asked for a supervisor who stated they called the court and verified which i know is false because courts dont verify with CRAs. Once i brought that to her attention she said they verify different ways. I advised her they were reporting incorrect information and i would be reporting to the CFPB and she whatever.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

The original creditor XXXX CLOSED the account of {$280.00} an unauthorized account was opened by I C SYSTEM INCORPORATED on XX/XX/2021. Nothing is due to I C SYSTEM INCORPORATED because I never agree to a contract with them.
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (OH)

I applied for my three credit report and saw this on the XXXX and XXXX  report. I never applied for this loan and have no bank account that had money put in nor paid for the installment. This is not me.