davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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 XXXX. 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-04
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. (NY)

I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institution that had violated my rights, therefore I am submitting this complaint right now to TRANSUNION. 
I am submitting this complaint because TRANSUNIONis in violation for furnishing 16 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 16 times for violating 15 U.S. Code 1681n ( b ) 16 times.

I gather all my proof and mailed TRANSUNION a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave TRANSUNION the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communication whatsoever so far.
Consumer complaint received 2021-10-04
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. (GA)

The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. XXXX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

CCS Collections reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021, and XX/XX/2021. I have no idea how CCS Collections received my personal medical information. I have not agreed to do any business withCCS Collections, I have not received any goods or services from CCS Collections, nor am I responsible for their debt collection purchase from their alleged client. CCS Collections, has flagged my credit before without first proving their account ( s ) belong to me. Each time CCS Collections failed to validate their debt. CCS Collections have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.
Consumer complaint received 2021-10-04
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. (LA)

Hi, my name is XXXX XXXX and I am a victim of identity theft. I think a family member XXXX have gotten a hold of my social and began to start utilizing my credit in order to attempt to get loans and other goods. I called TransUnion and they told me to file the proper FTC paperwork and attached below is that paperwork.
Consumer complaint received 2021-10-04
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)

This card is being reported as individual and it's a corporate credit card. This should not be reporting to me. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$64000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$1500.00} Credit limit {$57000.00} Highest balance {$67000.00} Terms NA
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately! The last 4 digits of my social security # is XXXX.
Consumer complaint received 2021-10-04
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: WELLS FARGO & COMPANY (GA)

On XX/XX/21, Wells Fargos credit department took {$5700.00} from my Wells Fargo checking account, resulting in my account being over drafted by {$2900.00}. At the time of writing this, my account is XXXX. Wells Fargo Executives confirmed that this auto payment was taken in error as I had turned off auto payment on XX/XX/21. 

This morning, my family and I were stranded in Florida as we were attempting to gas up and return to our GA home from vacation. At XXXX XXXX, my card declined and I reviewed my account and saw the error. I promptly contacted Wells Fargo and proceeded to speak with no less than 10 representatives, ranging from tellers to Execs over the course of the day. Every person quoted a 3-10 day TAT to resolve an issue they confirmed was theirs. This is unacceptable for an issue this urgent. Just to get home, I had to use the same credit card that is the root of the issue just to get my family home.

Multiple reps lead me to believe I caused this issue before the Exec team proved this to be untrue. The Exec team has provided no assurances to when I will get my funds back. One rep, who I can provide details on if needed, stopped answering my calls which I advised I would make to check in for updates. At XXXX XXXX, this rep obviously started sending my calls to voicemail. I called seven times in a row from my number and each attempt was sent to voicemail. Suspecting my calls were being screened, I called the same Wells Fargo Exec number from my wifes phone, and it was answered on the second ring by the rep I had been trying to reach. How can I trust a business to keep their word on expediting a complaint when they screen my calls? Again, this was a confirmed Wells Fargo issue that wiped out my account. At the least, they owed me updates and transparency.

With Well Fargos history of fraudulent practices, I have no faith that anyone actually worked to expedite and resolve my issue. I have no money in my account and have mortgage and bills to pay today. 

I am pursuing every path I can to report Wells Fargo for their suspicious business activity.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

The attached Writ of XXXX XXXX was attached to my home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX as a XXXX. This is not my debt. It appears this was orchestrated in order to damage me further in BRC Case Number XXXX, It appears the Trustee could have been involved as he is unethical, I am requesting all information be sent to me in order to take all necessary legal approaches.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

i have contacted chase about covid releife for our company credit card and their only solution to close my account instead of lowering my interest rate and they have reported to my personal credit report instead for a company credit card, this is the first time in 3 years they have done this. They reported on my credit for our company card and have destroyed my credit, i have contacted them repeatedly and told them we are not doing to well due to covid in california and they are unable or not willing to do anything to work with me, i have been making payments of XXXX a month and they are not satisfied with that,
Consumer complaint received 2022-08-01
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (FL)

I have been without a job since XXXX of 2021. I have tried to make arrangements with Avant so they would stop adding late fees to my account. When I made a payment arrangement, I was told they would stop accruing, however, I have over {$500.00} in late fees on my account now. I have called several times to see about having the fees removed so I could start paying down the card but no one will help. I have made two payments recently and they did not report my payments to the credit bureau as yet.
Consumer complaint received 2021-10-04
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)

XX/XX/XXXX I entered into a 12 month covid relief plan over phone with XXXX in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a XXXX XXXX XXXX  fighting XXXX and had not been home in months. I contacted XXXX and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that XXXX insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CREDIT XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX contacted me to alledge a debt I owe and gave out my XXXX without first verifying the validity of who they were speaking to. They then threatened to take legal action when I asked for a letter of validation.
Consumer complaint received 2021-10-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

Good afternoon, Filing this complaint regarding illegal acts my mortgage company is committing on my home in XXXX XXXX XXXX My mortgage was previously discharged in a bankruptcy in XXXX, since then foreclosure proceedings were started in XX/XX/XXXX. There have numerous issues, some of which your office has investigated. Now a new servicer has now denied my deed in lieu request which had been previously accepted because I would not commit fraud by signing documents that contained false statements. A first request was sent to the servicer, and in response that made some corrections but others were created and others not fixed. After receiving the second draft of the deed-in-lieu documents, I again asked for the statements that I knew were false to be corrected, they failed to respond to my email asking to discuss the issues, and sent me a letter stating they are no longer honoring my request because I did not act in good faith. Which is not true, in my email to them after the second document received i clearly stated i am not refusing to proceed with the deed-in-lieu, that I'm not refusing to sign documents but that I am refusing to swear to a notary that documents I'm signing are true when I have already pointed out they are not true. 

So the servicer accepted my deed-in-lieu, then asked me to commit fraud by signing and swearing that everything contained in the document was true when I knew it was not, refused to correct the falsehoods, then breeched the contract, took back their acceptance because I would not sign fraudulent documents. 
Servicer ; Fay Servicing XXXX XXXX XXXX XXXX, IL. XXXX Fay Servicing , LLC XXXX XXXX XXXX IL, XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX. As Trustee For LSF9 Master Participation Trust For more details for my complaint, I have provided my contact information. 


XXXX XXXX XXXX ( XXXX ) -my now married name Property address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX Phone- XXXX Thank you and anticipate hearing from you. 

I am also filing a complaint with CPB, Federally at the Dept of Justice Additional documents can be mailed as support at request, too many to attach. Thank you in advance for your assistance in this serious matter.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (AZ)

they suspended account without en explanation. I tried call them I cant get brought. when I get through and tell them to get my balance from the account. they hang up. my disputed charges were declined without en explanation. my internet access has been closed
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Ive contacted this collection agency several times regarding the in accurate information and debt that they claim I owe to them. Each certified request validation or verification they send me a copy of a statement and continue to report different amounts with different dates on my credit file. I recently sent them a letter asking them to present me with legal documentation that they are legally allowed to collect the different amounts instead, they sent me a response my letter holds no new facts and they will not conduct another investigation. Instead of providing me the information that I requested. On several occasions theyve sent me notices to fill out identity theft form. I have a RIGHT to have accurate information reported on my personal Credit reports. This company over and over has failed to do so. 

They have failed to validate a debt at my request continued to report a disputed debt
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (TN)

I had a cryptocurrency account with Binance.com ( located in XXXX ) since late XXXX and was was instructed to transfer my cryptos to other Exchanges by XXXX, XXXX XXXX because they were discontinuing service to their US accounts. I set up a Binance.us account and transfer XXXX XXXX cryptos into this account in XX/XX/XXXX. In XX/XX/XXXX I logged into this account and found my XXXX account had a XXXX balance but my deposit and withdrawal history proved that the balance should be XXXX XXXX tokens ( see attachments ). After several emails I informed Binance.us that I would request the Government Agency FinCEN to help me recover the XXXX cryptos. I got an immediate response requesting two weeks to restore my XXXX cryptos. After 10 days, I checked my account and found XXXX XXXX cryptos in my account. I also found that all of the deposit and withdrawal history had been removed from my account. This was very disturbing and I moved these XXXX cryptos to an off site wallet. On XX/XX/XXXX I requested their assistance to recover the remaining XXXX XXXX crypto, but as of this date I have not received a reply. The attached file contains all of the emails to document my request for your help. Your assistance in this matter is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (CA)

I have requested for Barlcays bank to stop using my private information and to delete it from all their records. However, I have discovered that they are still using and sharing my name and social security number.