davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
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. (GA)

Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged. 
The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Under FCRA to note consumer statement requirement. 


Equifax in reporting to my credit file to note my consumer statement and dispute against XXXX  Card  Servicer to XXXX XXXX  XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 2022-07-29
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. (NJ)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and 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 2020-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (SC)

Im XXXX XXXX, I would like make a claim against Wells Fargo bank. On XX/XX/20, they sent me email telling me that they was going close my account on XX/XX/20 due to transfer money into my savings account. I already put {$300.00} in my savings for me to go on vacation as of this year. So I called them back they told me called loss provenction. I called them, and ask why are you closing my account an they said that it was unorize that I had wire to much money, and to be taking money out of my account and putting money in to my account. So thats reason they are closing my account. So I told lady that was fine, that I will be taking my money out of bank, I will be banking some were else. She also said they had put hold on my account. On XX/XX/20, my employer ( XXXX XXXX XXXX  ) did a direct deposit in the amount of {$380.00} in to my checking account. It had posted to my account at XXXX XXXX. I had money in my account when I left work. I paid XXXX auto insurance on that day. In the amount of {$130.00}. Everything went thru and had balanced of {$240.00} left in my checking account. Later on that day I went to Roses express store to used my debit card in the amount of {$23.00}. I also went get food. I also used my debit card there in the amount {$9.00}. On XX/XX/20. I decided to go to bank to get some money out when I notice I had a negative balance of {$140.00}. I call Wells Fargo customers services an I told lady what happened to my money that was in my account she said that were no deposit made in my checking account. I told her there was deposit of {$380.00} that was deposited on Friday, cause I get paid every Friday my money goes into my checking account. She claimed that was no money in my account. I have proffered that money was there. I get text messages on my phone stating when my direct deposit is posted into my checking account, and the time it is in there. I also have copy of my pay stub from my employer deposit money into my account.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (FL)

MARINER FINACE IS REPORT TO MY CREDIT REPORT A ACCOUNT THAT DID NOT OPEN. I HAVE ASK TIME AFTER TIME TO VALIDATE THIS ACCOUNT. THIS ACCOUNT NEED TO BE REMOVED FROM ALL CREDIT BUREAUS AS THEY CAN NOT PROVIDE ME WITH ANY SIGN DOCUMENTION THAT I SIGN.
Consumer complaint received 2018-04-27
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. (NC)

The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX XXXXXXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (CT)

We took advantage of Midland Mortgage 's Covid19 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XX/XX/XXXX-XX/XX/XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XX/XX/XXXX to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Consumer complaint received 2022-03-23
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. (NJ)

I have written letters to Equifax now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Dear MoneyGram XXXX, The funds ( {$300.00} ) have disappeared, and I was informed by MoneyGram that MoneyGram was returned the money back to my XXXX Credit Card. 

XXXX repeatedly contacted you in order to get the funds and MoneyGram told XXXX that the funds were transferred to the recipient which is untrue information and conflicting with your previous response. 

Please refund my {$300.00} to XXXX in a timely manner since it was never received by the recipient and never returned to XXXX. Simply, kept by MoneyGram. I will pursue this until to the Court if you continue to keep the money unlawfully. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX Previous responses and history of communication are attached here. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JFQ Lending, LLC (VA)

JFQ Lending provided my XXXX credit score dated XXXX XX/XX/2021 on or about XXXX XX/XX/2021. The letter provided by JFQ lending was XXXX points but yet the score generated by XXXX on XXXX XX/XX/2021 was XXXX points. 

I questioned the difference to JFQ Lending and they explained that the type of report such as a mortgage report will vary from a consumer report but not by much and since my score exceeded XXXX points, I was afforded the best rates. 

The JFQ key factors sighted in the JFQ report " Balanced owed on revolving accounts is to high '' and " Amount owed on Accounts is too high '' is inconsistent with my consumer reports credit report which indicates that credit used " {$1800.00} '' of the " {$53000.00} '' represents only 4 % of my available revolving credit and placed my credit score as exceptional vice JFQs report of very good. 

While I agree that the variation did not affect my interest rate based on a score above 740, this is not the case for many other consumers similar to me who have a 40 point lower consumer score of XXXX vice XXXX which could put their JFQ mortgage score at below 740 points. 

The disparity point difference between the two seems excessive with out clear explanation. XXXX membership did not agree with the disparity. XXXX case # XXXX.
Consumer complaint received 2022-08-18
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX.
Consumer complaint received 2022-09-23
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. (LA)

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 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (ME)

When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response. 
I have disputed the debt with no response I have sent letters with no response.
Consumer complaint received 2021-05-06
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: DISCOVER BANK (FL)

I have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, Identity Theft Victims Complaint Affidavit IRS Identity theft report, XXXX County Sheriff 's Report, XXXX Police Report and XXXX REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to DISCOVER FINANCIAL SERVICES # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (TX)

This account does not belong to me nor do I have any acknowledgment of this account ever being opened. I was able to dispute it and get it removed from XXXX but cant seem to have it removed from XXXX. I will below take a screen shot of the dispute and removed account from XXXX.
Consumer complaint received 2020-03-14
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: CITIBANK, N.A. (NY)

Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Consumer complaint received 2022-07-29
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. (MD)

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Back in XXXX of 2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. 

I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. 

I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. 

All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XXXX 2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. 

All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Consumer complaint received 2018-10-17
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. (GA)

I am requesting that XXXX XXXX XXXX remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by XXXX XXXX XXXX. Please remove this fraudulent account immediately from my Equifax credit report.
Consumer complaint received 2022-07-27
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. (AL)

On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH XXXX XXXX. I WENT DIRECTLY TO XXXX XXXX TO DISPUTE THE ITEM IN QUESTION AND XXXX COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2020 I received notifications from several credit monitoring services that my credit report had been accessed. Someone had tried to open a XXXX XXXX XXXX credit card through XXXX XXXX. I immediately called XXXX XXXX and let them know this was a fraudulent inquiry and I completed the steps they advised me of in order to have the fraudulent inquiry removed. When reviewing my credit report yesterday I noticed that the the hard inquiry was still reporting to my TransUnion report. I called XXXX XXXX again and I was advised by the lady that answered that there wasn't anything they could do, that I would have to dispute the account directly through the credit bureau. I advised that I had already informed XXXX XXXX the inquiry was fraudulent approximately 18 months previously and they were the ones who needed to fix the mistake.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (NJ)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed this account which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX Balance : {$420.00}.