davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In XXXX, 2019, I was notified by XXXX that my credit score had been changed from XXXX to XXXX, and to immediately contact the credit reporting agency Equifax. I did so and dealt with an agent in XXXX. I asked why and who dropped my credit score without notification as to why. I went through a number of questions and was told that they couldn't really tell me why. I then demanded to speak to someone of authority and to ascertain what happened. I was ultimately passed to a person who stated that XXXX XXXX had reported me deceased so they dropped my score to XXXX. After all the questioning, the person gathered that she was talking to the actual person and that I was obviously not deceased. They advised me I had to rectify the problem with XXXX XXXX. I immediately called them and was told that Equifax was being less than honest as they showed my account ahead in payments by months and that when a client dies, it is clearly marked on the file and mine was definitely NOT marked as deceased. I then called Equifax back and informed them that the ERROR appeared to be on their end not XXXX XXXX. I was told to then file a dispute and it would be investigated. Equifax sent me a form on XX/XX/XXXX stating that my XXXX account had been " updated '' to show that I was no longer deceased, BUT Equifax still has not updated my credit score. I also called XXXX XXXX back and asked if they had changed my status and they advised they had not because they had never listed me as deceased in the first place. I want my credit score updated immediately. 
I thank you in advance for your assistance.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 60 days of opening your account. 

2. On XX/XX/XXXX, I met all requirements of the Offer. The bonus did not post. 

3. On XX/XX/XXXX, I contacted customer service for assistance via secure message ( Exhibit B ) and was advised by XXXX XXXX XXXX Specialist XXXX on XX/XX/XXXX that the bonus will be credited to the new personal checking account no later than 125 days from the account opening. 

4. Today is exactly 125 days from the account opening and the bonus has been credited. 

5. Please pay the advertised bonus of {$300.00}. 

6. Else this matter will proceed to trial. 



Sincerely, XXXX XXXX enc.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Experian ) and ( XXXX XXXX XXXX XXXX ) with no successful resolution. ( Experian ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2016 )
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XXXX of XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Consumer complaint received 2021-01-07
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (UT)

I lost my direct express card. I called direct express at XXXX. They said for a small fee that would be deducted from my card balance, I would receive my replacement card in 5 to ten days. on the 11 th day I called as had not received it. They said my new card was issued on XX/XX/XXXX. then a support person told me it would be 21 working days. I said if I was told it would be a month I would have taken the option of XXXX XXXX. It has been 36 days, I can not access any of my money or pay any bills. The last thirty calls to them, after giving the requested information, my name, ss #, and DOB, I am either hung up on, disconnected or they say they are transferring me. I have been placed on hold for over 2 hours before hanging up and calling back. The same treatment again, by every single support person that answers. I have asked to speak to a manager, They will transfer me they say, no one ever picks up. there is nothing I can do. they will not answer any questions or say anything to help. just hang up or put me on hold indefinitely. I still have no card, no answers, no money, no help, and no idea what to do or who to complain to. absolutely unprofessional, insulting, condescending contumelious attitude, this has damaged me, cost me money, and hurt my standing with creditors, yet they do nothing.
Consumer complaint received 2020-04-27
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. (OH)

I am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : 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. I have filed a complaint with FTC and CFPB.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I withdraw {$1000.00} from my XXXX  account into my capital one bank account. XXXX confirms the funds were sent out instantly and i have not received them over 4 hours later into my bank account. Capital ones horrible customer service is claiming that nothing was received and to contact XXXX. I have used paypal a million times with my XXXX  account and it has always worked perfectly. The issue is 100 % on capital ones fault and they are claiming nothign they can do when I need this money right now. They are lying and doing nothing about it. This is my first time using capital one and i cant believe this company exists and they are costing me XXXXXXXX XXXX dollars in fees since I will miss my payment.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I initiated a TRIAL service with a company called JUST ANSWER on XX/XX/2020. On XX/XX/2020 a payment was deducted from my checking account in the amount of {$5.00} for the services I received. On XX/XX/2020 {$46.00} was unexpectedly deducted from my checking account. I contacted JUST ANSWER to request a refund and confirm I want no part of their services any longer. They could not find my account stating my email address was incorrect. I was on the phone with them for quite a while and a supervisor was to call me back within 1/2 hour. I received no call within 1/2 hour. I did receive numerous calls from the company with the automated prompts but that only took me back to the regular customer service. On XX/XX/2020 I again had {$46.00} deducted from my checking account. I called JUST ANSWER again requesting a full refund for all funds and discontinuation of any membership. I was told they could not provide a refund. I requested, again, a supervisor. A representative named XXXX contacted me from their escalations department. She again stated they could not refund any monthly membership payments but could cancel my membership which still showed as active. She stated I should have cancelled the membership within 7 days of the initial inquiry. When I initiated my activity with JUST ANSWER, I explained I wanted no continued services and I also contacted them on XX/XX/2020 cancelling any membership services. I have no confidence they will not charge me again in XXXX. I should not have to change my bank account number to resolve this membership deduction.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IN)

014. Credit Management LP Credit Managemnt has told me this for a XXXX XXXX inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.
Consumer complaint received 2020-06-12
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. (FL)

I mailed dispute letters in XX/XX/XXXX pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/XXXX, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/XXXX informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Equifax is NOT showing all of my accounts even know the lenders have told me they are SENDING the into TO XXXX in XXXX case its showing an account closed that is clearly OPEN Etc XXXX XXXX/XXXX  Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mo ) ( showing closed ) XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX  yrs, XXXX  mos )
Consumer complaint received 2020-06-12
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)

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter to Transunion to provide physical verification for an account that is being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote another letter requesting the same information, and the same deletions. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2020-05-29
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. (AR)

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, Equifax, and XXXX who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX  and Equifax  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Consumer complaint received 2020-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OR)

I did not own this debt, I dispute it before and it was remove from my account, and it reappear in my account again, I have ask for validation of the debt they refuse to valid account. Now they place it on my credit bureau coursing my credit to drop.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank is back using their same old habit of sending a bill one month and skipping one month so they can continually add fees to my bill. At the rate they are going I will never get the bill paid down. I have reported them once and for months they stopped their sneaky process. They are back at it. XXXX has numerous complaints about XXXX. How can they continue to do this? It's strange that XXXX XXXX credit card was switched to XXXX XXXX and there's never a problem. Add their constant calling to this COVID virus and it's enough to make a person scream. Do they not know that a disaster is happening? Are they just really that cold? I have about had it.Once I get the bill paid off which will take forever the way do business I am going to cut their cards into pieces and mail them to them.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (PA)

Tried link my debit card to XXXX  account to receive money back when making purchases ; pnc is preventing me from doing so during this pandemic. Only allowed to like account using routing number but unable to link debit card. Debit card is needed since I use my debit card for purchases and not account number
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My Identity was stolen about two months ago, I am not aware of the suspect at this time that is responsible for the damages that has happened to my credit. I am asking that these Items that is reporting on my credit gets completely removed. These items are affecting me in such horrible way. I never gave any permission to anyone to open accounts. Please feel free to reach out to me soon as possible. Below I have provided to you My identity and my report showing proof of stolen identity.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

The same complaint was also filed in early XXXX but not sure what happened to it. 

I made a purchase of ~ {$700.00} on XX/XX/XXXX using Amazon credit card from Synchrony. I started to make monthly payment but months later noticed that my account balance was staying the same. Towards the end of XXXX, I contacted Synchrony and asked why my balance was staying the same, they said it was due to Card Insurance that was being added to my account each month. First, I never asked them to add Card Insurance to my account. Second, when I learned of that, I told them to remove it immediately. But, months later I was still added card insurance and I decided to file a complaint with CFPB, FCC and Texas Attorney General. 
In XXXX, I noticed that card insurance was still being added to my account so I called Synchrony again and requested to remove it. They gave me a phone number to cancel it. I called that phone number and requested to remove it but these idiots never removed it. 

If my account is not been reimbursed for all these unauthorized charges by the end of XXXX, XXXX then I will file a case with Small Claims Court for fraudulently adding these charges to my account and piling up extra interest.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I have tried to get my Equifax report at least 5 times by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them 3x and to be told their systems are down or they unlock my account but have to wait 24 hrs to have access. I also been hang up. 
Dates : XX/XX/20. 3 times called to get help logging, reset password. No help. Unlocked account told to create a new password with agent on the line but unable to get in. In background you could hear cheering and I asked what was going ... representative said someone sold something. I thought I was speaking to Equifax credit report agent then he told me to wait half an hour to try to log in. He then said the system is down. I called two hours later with the same issues and the agent hang up on me. 

XX/XX/20 : I tried to get my Equifax report again by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them again and some to an agent for 30 hour. She stated their system is down and could not help me with log in. I told her that I wanted to dispute some items. She took my personal information and confirmed my identity. She then took down what I was disputing then put me hold. I was with her on the phone for over 30 minutes to only get hung up again. 

Please help me resolved this issued. My information has been compromised by Equifax and I need to make sure to correct the errors. I have done research and I am not the only person having this issued.