davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I ordered a credit report in my birth name using my middle initial as I have been using this name all my life. My report came to my address without my identifying middle initial. My son has the same name but with a different identifying middle initial. So when my report came we did not know who the report was for because they decided to omit the middle initial. If I order a credit report and on the report it has my middle initial then the name for who is to receive this report should have that identifying middle initial. This mailing did not have the middle initial. This however has caused me problems not only on previous reports after my sons information was on my report but also other problems when anyone decides to omit this initial. I had to send in to the credit report companies all of my identifying information last year because of this problem. The report itself is correct but when they mail it they ( whoever ) decides to mail it without this initial. That initial is the same as someone who has a suffix like junior or senior.
Consumer complaint received 2023-01-08
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: AMERICAN EXPRESS COMPANY (NJ)

3 of my AMEX credit cards was closed in XX/XX/2022. I was not late making a payment and I had a flawless payment history meaning I always paid on time. They closed my account without providing me with a legit reason. I would like my membership reward points back for my XXXX Credit Card ending in XXXX and XXXX XXXX ending in XXXX. Those points were completely earned by me and I currently have a platinum card open. I would like my points transferred to my platinum card ending in XXXX please so I can continue to earn rewards and enjoy the benefits of my reward cards. These cards are too expensive. I only got them due to their Amazing reward program. Rewards that has been completely robbed from me.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XXXX XXXX, I deposited a check from my insurance company XXXX XXXX XXXX for {$3900.00} with Chime and now theyre saying they dont have the funds. 

None of the agents know what they are saying, XXXX said I had a 10 day hold and encouraged me to cancel my check and take it into a bank instead. 

They cancelled the check and when I went to deposit it at XXXX XXXX they said the check had already been cashed, this is confirmed by the Accounting Department from XXXX XXXX XXXX and have the email and contact details to confirm. 

The account department said the check was cashed on XXXX XXXX and taken out by XXXXChime , yet Chime is lying now saying they dont have the money!!! 

Someone stole my money!!! I need my money!!!
Consumer complaint received 2023-01-08
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. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-07-14
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 have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports.. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I have a very hardship and was sick for a long while during the pandemic. The charges of BJ 's master card issued by Comenity Bank are extremely high and quite amount of charges can not be found in the charges of my BJ 's orders on BJs ' website. I have no energy to check the charges and am stressed out as afraid that my family to catch the virus from me when I was sick. I still have no energy now to check all the charges, but tried my best to pay off $ XXXX balance though I am short of money. I contacted the Comenity Bank to ask them to waive the late fee charge $ XXXX because I had a very hard time and paid off the balance at one time. Some item I ordered from BJ 's was not shipped to me because of out of stock and was not refunded me as I was told in XXXX. I doubted quite amount of charges in my account, but I did not ask them because I am sick and have no energy. But I was extremely upset as I got the Comenity Bank 's replies. In the first reply, they lied to me, saying there is no late fee charge in my account. In the second reply, they lied to me again, saying they didn't charge me late fee, it is master card 's charge. a lie. In the third response, they said I should pay on time without any mercy. Since I have been their customer more than 6 years ago, I always pay on time. During this hard time, I am sick and have no energy to question the charges as they are extremely high and quite amount of charges are unrecognized. I understand that they are having high amount of business to handle though BJ 's customer service did not respond to my emails. I paid the large amount balance at one time and need to submit my doubts/debates when I am recovered and have energy. I am so kind that I did not want to debate the unrecognized charges now because it seems that the BJ 's people are too busy to respond to my emails these days. But Comenity Bank is so cold and take advantage of people during this hard time. 
I submit my complaints against Comenity Bank to you and hope you can tell this Bank to be a good citizen, not just XXXX up people during this hard time. I ask Comenity Bank to waive the late fee charge {$32.00}. Please help me and other people because they are doing bad things to other consumers too.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In XXXX I paid and notified BSI of our homeowners insurance renewal. XXXX contacted BSI directly, I faxed it over. 
We received a letter in XXXX stating we didnt have proof of coverage even though we sent it. 
I called again in XXXX, upload the XXXX policy showing proof of coverage. 
Theyre still denying that we have proof. When I call and ask if the paperwork is what theyre looking for, they say yes it shows proof, yet theyre still denying it
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

I spoke to a collector at Conserve around early to mid 2018 about 2 collections they put on my credit report. I told the collector that the amount reported to did not seem like it was the right amount, and he told me to take it up with the original creditor and not him. No one wanted to discuss the validity of the final amount with me.
Consumer complaint received 2020-06-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$63.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2023-01-08
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. (IL)

According to the fair credit act XXXX XXXX XXXX, acct # XXXX, violated my rights! 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MI)

On XX/XX/2021 I made my payment in full after I made my payment on XX/XX/2021 I went on line and checked my credit statement and noticed that there were some payment made on my account that I didn't make so I file a dispute with Indigo credit company in XX/XX/2021 ( I don't remember the date ) so the company total me that I could not use my card for 30 days and they would send me a new credit card. So when I receive the new credit card I didn't not activate until XX/XX/2021 so the next day I check my credit card statement I noticed that there were payment still made on my credit card so I call customer service to talk about my account they started ask me for my password and I told them that I didn't help put a password on my account, and I asked the customer service lady how do you go by putting a password on the account, she told me that I would have to call in to speak to someone to put in the password, so on XX/XX/2021 I got a letter in the mail saying I owe {$290.00} so I call customer service spoke to customer service and she ask me for a password and I told her I didn't not put a password on my account so I ask to speak to a supervisor so the supervisor came on the phone and I explained that there were problems on my account and I didn't put a password on my account so she took down my complaint and she stated that she was going to report it to the Faurd Department and she was going to block my account so it could not be use until the matter is resolved and she would call me back by Wednesday as when Wednesday can no calls Indigo did send me another credit card so I call the customer service again to talk about my account and this time no one ask me for a password and I told them that I would not activate this card because I have had so much problem with someone changing things on my account that I will not activate this card and they told me that they understood. So that mean when a Fuard complaint was made they send me another card so I have not activate because I'm afraid. So I check my credit card statement and saw that I still owe them {$49.00} dollars that was due on XXXX XXXX so I call on XX/XX/2021 to make a payment {$49.00}, so when I spoke with payment center again no ask me for a password I discussed my account with them and said I would like to make a payment and so they told me that I didn't need to make a payment because I didn't owe them anything that they owe me {$62.00} so they told me that they could send it to me in a check, I was shocked so I said that I would call you back. So I call on XX/XX/2021 trying to discuss my account once again and they are still asking for a password something that I didn't put on the account. I just want my refund and the account closed with them. The supervisor told me to mail them my driver 's license along with a letter. I told them that you must be crazy to give you more information on me. Help I do not want to deal with Indigo credit card company anymore.
Consumer complaint received 2023-01-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

I had a Walmart card from SYNCHRONY BANK years ago however the card that they said I had ending in XXXX was never a card that was issued to me from Walmart. The card debt was sold to XXXX XXXX XXXX. I was never notified by Walmart that they sold the debt. I have no problem making a settlement or paying the debt. I need the correct information and also a copy of my application that was filled out by me. They also said I made payments they should be able to tell me what checking account number or bank that was used for payments on the. account or at least the correct account number. I have since been sent to a collection agency entitled XXXX located at XXXX XXXXXXXX XXXX in XXXX XXXX  .The tel # for this company is XXXX. I did have a Walmart account but the card number is not the one that is stated in the documentation. If the Bank made a mistake they should be able to provide me with the correct information. I have requested copies of my Credit Report and the card number that they stated ending in XXXX was never issued to me or on my credit history. They want me to send in and affidavit and a Police Report, I have never said I had any identity issues, I have asked numerous times for the application that was completed by me with my signature and my payment history and all they have submitted to me is a letter stating the last payment received from me was XX/XX/XXXX. That was in the middle of the Pandemic and I know that I did not pay any payment to Walmart at that time. The account was supposedly charged off XX/XX/XXXX. I have no problem with clearing my debt or making arrangements on this debt providing I have correct documentation. I am XXXX XXXX XXXX and on XXXX XXXX. I sincerely hope this can be rectified soon.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I received a Wells Fargo Platinum VISA card ( ending in XXXX ) in the mail that I had not applied for. I called Wells Fargo and they told me that someone had applied for the card online. I told them that it was not me and they told me they would cancel it. I asked how someone else could open a card up in my name online, but they would not provide any information. When I asked them to verify that nothing else was opened up in my name, they wanted to verify additional information on me. I called them and had already established my identity - enough for them to cancel the card. I asked what other steps would be taken in this matter - as far as an investigation, credit reporting, but was told that their responsibility ended with closing the account - that is not good enough. Wells Fargo should be going above and beyond in handling customer privacy, especially with all of the recent scandals and missteps they have made. I want additional actions taken by Wells Fargo on my behalf.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

My Target card was due on XX/XX/XXXX, I went to pay on line, and it.kept saying it was sending me an access code via email, like it dies every time I access my account. I tried several times and didn't receive an email. On XX/XX/XXXX, I got the access code via email on the XXXX try and paid my bill. Today XX/XX/XXXX I get a {$30.00} late charge. I called Target and they removed it. How many people are not calling Target and just payinf.the fee?
Consumer complaint received 2020-04-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Financial Assistance Inc (TX)

I contacted this office asking them to verify a debt - In return i received a letter stating that they have obtained a judgement against me in the amount of XXXX WHICH WAS MORE THAN THE ORIGINAL AMOUNT THEY CLAIMED TO COLLECT- I looked up the case number that they included in the letter ( Case # XXXX ) nothing in the state of Washington came up and i called all the courts to verify this information and nothing came up - they threatened me by stating they have obtained a judgement against me which the FDCPA, debt collectors are not allowed to threaten to seize, garnish, attach, or sell your property or your wages unless they are permitted by law to do it and intend to do This letter was dated XX/XX/2018 XXXX  was the one that sign this letter The letter stated that they have post judgement " Remedies '' available to them as follows : Garnishment of Wages Attached of Personal Property e.g Auto loans Liens against Property I have a copy of this letter signed by XXXX and below it stated CC : Legal file Attorney
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.