davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (CA)

I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2020-08-27
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL XXXX  RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-05-24
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (CO)

I was locked out of my new account after depositing my {$1200.00} stimulus check and making a {$25.00} transfer to my other bank account. I called several times to figure out why, and they repeatedly said they would mail and email me information about it. I received an email stating they were investigating fraud on my account. My account has been locked since around XX/XX/XXXX, well over a month, and they will not tell me how long the investigation can go on or what information I can provide to resolve the issue. I never saw any strange transactions, so I can only assume one of my own transactions looked suspicious. I made transfers from my other bank accounts including micro transactions to verify transfers, my XXXX, and my stimulus check. 

It is a challenge having {$1200.00} locked away during COVID when I am struggling to pay house bills so I would like to know how long they can legally hold my money.
Consumer complaint received 2022-12-14
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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$440.00}
Consumer complaint received 2020-07-02
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXXXXXX {$440.00}
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I received two charges of returned payment of {$5000.00} which total is {$10000.00}. And those two transactions were originally from XX/XX/XXXX, it's been more than half a year, and when I ask customer service or employees from wells fargo, their typical answer is " Whoa, I've never seen that before '' or " That's crazy ''. Then when I go to the bank for an inquiry, they told me that they do not have access. Because I wanted to check the statement from last year, and during this whole time the statement on the app or online is NOT available, they took a long time to mail the physical statement to me, and it's still the only resource I can check. The XXXX credit card customer service line has trouble answering my question then I have been transferred about 4-5 times or even more to different departments, and will be ended up doing some " investigation '' and took about 10 days to give me a roughly " answer ''. And when their email stated that they will waive the interest fee, the next time when I called, they are saying they don't do that. This whole process of transaction is very unclear and perfunctory, and the worst is that it directly causes an overdue balance over credit limit resulting in my credit score going down crazily, I can not get a good loan to finance a house for my family, and my mom is really upset about it.
Consumer complaint received 2020-07-02
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. (NJ)

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX  is reporting account from XXXX and XXXX that Fraud and Equifax is reporting XXXX, XXXX and that are fraud..attached also is my police report
Consumer complaint received 2020-07-02
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXXXXXX {$440.00}
Consumer complaint received 2020-07-02
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. (NJ)

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which Transunion is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police report
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

This complaint is regarding a matter that occurred in XX/XX/2022 with Comenity Bank. I have been a customer ( Wayfair ) for many, many years. My Wayfair payment was changed to Comenity Bank. In XX/XX/2022, my payment for XXXX got posted to an account that had been closed for XXXX plus years or so. Comenity contacted me that I was late with my XXXX payment which I knew that I had sent the payment in. As it was Comenity found out they had posted the {$75.00} payment to a " closed '' and paid in full account. ( New York and Company ). Comenity refuse to move the payment to the proper account. The said they had to investigate the matter and it would take about 90 days to complete the investigation. I have been trying to communicate with Comenity to get an answer as to why they have not refunded me the {$75.00} because I am still paying my monthly payment each month. I am still getting the runaround and it is now going into XXXX months since this problem arose. During this situation I accrued late fees which I believe I have been waived some of them. I would like to know why Comenity is not cleaning up this problem with the consumer as quickly as possible. I am close to paying this account in full because I am paying double to minimum payment. I am so afraid that when I pay this account off Comenity will have no more dealings with me on this and close the account. I have read so many bad reviews about Comenity ; all I wish to do is get a refund or a credit for my payment - XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-02-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (AZ)

On 3 separate occasions this year, Avant Card Services has proven to be misleading, incompetent, and not as transparent. There needs to be more educational training and customer service coaching for these phone representatives. Please note the following concerns that need to be addressed : 1. On XX/XX/XXXX, I was experiencing financial difficulty due to the pandemic. I called in advance of the XX/XX/XXXX draft date and spoke with a rep who confidently assured me that the payment would be cancelled and I would be unenrolled from auto pay until further notice. I precisely confirmed this with the rep and even re emphasized the importance of un-enrollment of auto pay because of lack of funds. I was reasaured of this and was even enrolled in the relief Program from XX/XX/XXXX, XXXX XX/XX/XXXX. On XX/XX/XXXX I see a charge for {$25.00} and was livid because I had a different expectation in mind based off of my previous conversation on XX/XX/XXXX. I called Avant to address the matter and they filed an internal complaint and then proceed to send me an email stating how the procedure is supposed to be and that they were sorry for the misunderstanding. Interestingly, I have made all of my payments on time during this so called relief period so that Avant will not report late payments to the credit bureaus especially because my trust in them to handle small matters has completely diminished. 

2. On XX/XX/XXXX I called Avant for a simple billing question. At this point I know I am officially off auto payments AND my relief program is ending in XXXX so I need to confirm the payment due date and amount. The rep advises that she sees a {$0.00} balance and there is no due date in her system but I am more than welcome to make a payment now. This did not make any sense so I disconnected with her and opted to call back a later time. 

3. On XX/XX/XXXX I called again for two simple matters. I wanted to see if I qualify for an increase and confirm my payment due date and amount. The gentleman proceeds to provide the same answer that there is a {$0.00} amount due however he states my payment is due on XX/XX/XXXX. I got into a little debate because the previous rep said I have no due date or payment this months since I am on the relief program. I have been making payments consecutively up to this point. It was super frustrating and the inconsistency leads me to believe there is some misrepresentation of facts.
Consumer complaint received 2020-07-02
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my XXXX XXXX
Consumer complaint received 2020-07-02
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

States that I have a mortgage in my name and unsure on whether or not it may possibly be a loan to purchase a home. It's on my credit report and is based from the state of XXXX. I reside in XXXX  and I e had my purse stolen and my purse had my social card my I'd card that was issued in XXXX  when I had turned XXXX and my original birth certificate. I have alot of unauthorized loans and collections that are seriously come to my attention. As of today and the past five years since my purse was stolen I've have had no ID nor able to replace my birth certificate and nor my sec replaced.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX : {$1400.00}
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, Experian, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Experian )
Consumer complaint received 2023-05-25
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)

I reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX  : Act # ( XXXX ) and XXXX XXXX # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I have been trying to pay back this company with {$25.00} every 2 weeks because that is all can afford. So far I have paid {$850.00}. This loan was taken out in XXXX. They are saying that I still owe almost {$2000.00} and I believe that I have been paying only interest and extra fees the company has added.