davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (MD)

I was going through my credit report with intention of cleaning and improving it and I did some heavy research on the fair credit reporting act. I also read about if something is inaccurate on my credit report then I have the right to challenge it. Are you informed about 15USC 1681i ( a )? I believe it says if you can not provide proof this information is verified then I want this account removed from my credit report. An investigation takes 30days if the account is not verified then please remove the account. I demand the account USDOE/GLELSI to be removed from my credit report. attached to this CFPB I have the date opened is not the same with all three consumer reporting agencies and the last reported date is not accurate for all three consumer reporting agencies. Since this is inaccurate by law must be deleted from my credit report. 

15usc1681 ( a ) ( 1 ) Equifax inaccurate and unfair credit reporting shows flaws in the banking system and destroys the trust from the people which is crucial for society and the banking system.

15usc1681a ( p ) Consumer reporting agency furnishes my consumer report to 3rd parties which leads me to 15usc1681b ( 2 ) I did not give written instructions for XXXX to furnish my consumer report to 3rd parties.

15usc1681 ( 4 ) Equifax has to be accountable and respect for my right to privacy which was violated once they sent my consumer report to other 3rd parties.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (IL)

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!
Consumer complaint received 2021-06-10
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. (NY)

I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent these credit reporting agencies a statement on XX/XX/2021 stating there are fraudulent accounts on my credit report. this is illegal under the FCRA, and I want the CFPB to take action. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. Other accounts are listed as late when under 15 USC 1666b says there is no such thing as late payments, that is very deceptive.
Consumer complaint received 2020-11-18
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: GOLDMAN SACHS BANK USA (CA)

XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Ssachs has failed to investigate this matter instead just simply telling me different reasons over the last 6 months why this charge was valid. They have failed to listen, to document, and to investigate this matter. Per federal regulations, did not acknowledge my complaint in writing. The credit card company is legally required to investigate the dispute and resolve it within 90 days after receiving the claim. I filed the claim on XX/XX/20. I have not received any letter from them and any details to their investigation. They are way past the 90 days. They have reapplied the amount to my credit card and every-time I call I receive a promise of a manager to call me who never does. This is why I am reaching out to the FCPB and requesting your help to recover the original {$2800.00} and the penalty in the same amount for a total of {$5700.00}. Please note Apple has denied to give me my card number and you habe to look me up via my SSN XXXX. Card info : Apple Card - No Fees apply.applecard.apple/ issued by Goldman Sachs
Consumer complaint received 2023-03-21
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. (GA)

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. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-11-25
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: Consumer Portfolio Services, Inc. (SC)

On XX/XX/XXXX per XXXX XXXX, XXXX XXXX XXXX declared my account as a chargeoff/collection. However, this account is still showing open and has reported a late fee 6 months ago, XX/XX/XXXX. This has validated my rights as a consumer because the account, should be closed, and no reporting currently information because it was charged off 5 years ago. Due to the inaccurate reporting of information, I request that the creditor remove this from my credit bureau accounts. The balance reporting is incorrect of {$11000.00} which I never received reference or provided a written signature for. According to the FCRA XXXX XXXX XXXX has validated my rights and I am requesting legal action to remove this immediatly.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/XXXX I purchased a cell phone from one of XXXX XXXX XXXX 's retailers for {$570.00} and had buyers remorse less than 7 days after purchase of the phone plan. I returned the device back to the retailer and was handed a detailed receipt/confirmation of device returned. This account was sent to collection in the amount of {$580.00} in XX/XX/XXXX. I'm am being charged for a device that they have receipt of receiving. I have contacted XXXX XXXX XXXX as well as the Collections agency ( Sequium Asset Solutions , LLC ) several times over the past several months to attempt to resolve this issue with no luck. Ultimately, I spoke to XXXX XXXX in customer care on XX/XX/XXXX regarding my complaint and was informed that this would be resolved within 30 days with XXXX XXXX XXXX, the credit bureaus, and the collection agency. A confirmation email was sent to me ( I will attach ) with the summary of our conversation with no resolution to date as I keep getting tossed around to different departments with no one taking initiative to help resolve the issue.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

i wrote my bank in hopes of recovering funds after having my money stolen by a con artist online i even went as far as getting a police report on the account i was advised by the bank teller. i was told by phone it was nothing that could be done i have mailed them before about the matter and nothing has happen about the guy stealing from me. i love my bank but this matter was mis handled and they didn't even have the police report they just said they cant do anything i just mailed it the day i got the letter
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

It saddens me that after Capital One received my complaint about account ending in XXXX they continued to claim that they believed that the FRAUDENLT account was mine. In their response to me, which I will be attaching with this complaint, was that they believed that the account was still mine. 
I am resubmitting my claim to address what they have stated to me : XXXX. My information was stolen, I was not living at the account listed in XXXX nor had any communication with anyone that was there. 
XXXX. The phone number ending in XXXX was acquired in XXXX and couldn't be used to open an account in XXXX. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, and a copy of my drivers license as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file
Consumer complaint received 2021-02-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

i have a wells fargo auto loan i have made all of payments on time in full. 
I always include an overpayment which I have asked to be applied to principal only The additional payment has NEVER been applied correctly. Wells Fargo simply posts it to the future months payment On XX/XX/2021 I made a {$1200.00} principal only payment, which was applied to the future 4.5 months payments
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

Three years ago on XX/XX/XXXX my son was taken to XXXX XXXX XXXX XXXX ( cuaf # XXXX ) due to an injury incurred in a Baseball game. Once in the emergency room, the insurance information was collected, copay was paid, we were instructed that the league insurance was going to cover any outstanding balances as he was covered by the team league insurance. Come to find out on XX/XX/XXXX, this balance was never covered and on my credit report. I had not received any statement or notice on this debt before this reporting on my credit. This recently showed up in XXXX on my credit report. On XX/XX/XXXX, I called to make sure to settle the debt and get it taken off my report, and I would find a way to fix with league from three years ago. I recorded the conversation ( and my financial advisor XXXX XXXX with XXXX XXXX where he stated, " It will be taken off the credit report once the debt has been settled and paid in full. '' He also stated that a letter would be mailed to me stating that the debt was paid in full and the credit companies were notified to remove this debt from my credit report. He made it clear that he could not email me such notification or letter on behalf of the agency. I was told this could take 2-6 weeks before I would see it removed. I had been checking on my credit reports and no change had been made. I called approximately on XX/XX/XXXX ( XXXX weeks XXXX, XX/XX/XXXX ( 4 weeks ) and XX/XX/XXXX ( 7 weeks ) as there was no follow thru. Each call was redundant information and never received the letter where it was even paid in full. In speaking to XXXX on XX/XX/XXXX, I come to find out that no such letter had been sent at all and for 20 minutes they had me on hold with various excuses until finally they were able to email me a letter ( when initially they said they could not generate an email ). I had to constantly be calling back as they said it would take 10 minutes, then an hour, then 30 minutes each time I called until I finally received the email stating only that the account had been paid in full and nothing with regard to removing it from my credit report which was agreed on from the start. He also stated in this call that he was going to contact the credit agencies and it would take 10 days for it to be removed. Again, this was supposed to have been done from the beginning on XX/XX/XXXX. Here we are XX/XX/XXXX and still the debt is on my credit report 8 weeks later. We spoke to XXXX XXXX again today ( XX/XX/XXXX ), he asked again for another week to take care of the issue ( every call I have had with this agency it was always another week, another week, more run around ), I asked to speak to his supervisor and he stated, " His boss does not take calls and does not have an email we could reach out to. '' He also stated that I had three years to take care of this debt, which is not true. I was unaware this even existed.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

From XXXX - XX/XX/2020 my husband was out of work due to COVID 19 and my family was facing economic hardship. I became past due on my 2 Comenity credit card accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I made a payment as soon as possible and have since caught up and nearly paid off the accounts. It was my error for not calling ahead of time but I was ashamed and not in a good place that I could not pay even some of our small bills. 

After I was in better shape, I called Comenity bank and they told me to put the request in writing based on economic hardship due to COVID-19 that I was requesting a goodwill deletion of the late payments on each account for XX/XX/XXXX. I did write such a letter to them ( see attachment ) and it was sent on XX/XX/XXXX. 

I worked with THREE other credit card companies and each of them provided the goodwill assistance and deletions/not reported to the late payments I incurred due to COVID 19. 

I received a letter from XXXX XXXX in the compliance department of Comenity dated XX/XX/XXXX that basically I was out of luck, too bad. They would not provide any goodwill due to my COVID hardship. 

I find this devastating to my credit, and sad that a company such as Comenity can not provide a goodwill adjustment during the difficult pandemic time when many other companies are doing so.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (WI)

Comenity Bank XXXX XXXX. XXXX XXXX, XXXX, OH XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company ( Comenity Bank ) then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, is now wanting me to pay the charges associated with purchases I never made.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (FL)

I make the my first complain about Gemini XX/XX/2021, about the scam problem complain XXXX First they frozen account. when you try to move or transfer the money out the account They answer from Gemini is possible another person try to use me account. My family have the same answer from Gemini!!! I ask to my Bank chargeback two week ago for the money .The Gemini closed my account 3 weeks ago, and everything was perfect! 

But today morning my big surprise, Gemini stolen my money from my Bank account again, Stolen is small word for that! CFPB authorize companys like that work in US That is illegal and shame, I need my money back urgent and please take action
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit report is showing late payments to 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  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

transunion has applied a fraudulent account to my credit report from XX/XX/XXXX. I have NEVER had an account with XX/XX/XXXX. I contacted the bank myself to check to see if there are any accounts in my name and they have confirmed that they have never had an account opened in my name yet the credit bureau is reporting that I had some sort of secure card with a bank that I have no banked with in no way at all. they are also reporting that i lived at XXXX XX/XX/XXXX. XXXX XX/XX/XXXX in XXXX. I have not lived at XXXX XXXX XX/XX/XXXX at any time in XXXX. I moved from that address in XXXX. They have reported the address twice on my credit reportXXXX is not correct. I lived at XXXX XX/XX/XXXX in XXXX. I can't live at two addresses at one time.
Consumer complaint received 2022-09-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-24
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. (CO)

I have sent in proof from a credit card company that they closed my account in XXXX of XXXX, with no balance or amount due. It's been negatively reported as late payments in XXXX even though it's closed. I have sent proof to Equifax and XXXX but they haven't corrected the mistake. XXXX did correctly update their records.