davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax collected personal information on me such as my social security number and credit information in an unsafe way, and now it has been determined that due to a massive hack, criminals have access to my information. I also never authorized Equifax, or any other credit reporting agency, to collect or distribute any information about me at any time.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Collection Agency ARS ACCOUNT RESOLUTION with account # XXXX. Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX  Original Amount Owed {$990.00} Amount {$990.00}. Collection Agency Removed only debt out my file but kept one of them which is affecting my credit score and not allowing me to get the best Mortgage Rates for My Home Refinance. the Clearly stated on the last Complaint that the Debt isn't mine and that it belong to a XXXX. that XXXX is my son and he is covered under his XXXX umbrella insurance Policy. up to this day the Debt Remains in my file and its affecting me
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (CT)

I was put on part-time for work and fell behind on my Loan. In XXXX of XXXX  I reached out to upgrade with options to get caught up. They mentioned the hardship program and how it worked and they would put me on bi-weekly payments to catch up on my loan. They put me on bi-weekly payments which were paid. They failed to mention that this won't actually help me catch up from being late and were still charging interest and my payments weren't actually making the full payment. They charged off my loan. When I called they said I was never enrolled in the hardship program even though they told me this would help me catch up and I would not be late. They ended up telling me I can't enroll in the hardship now because I was too far behind and they ended up charging off my loan. I asked for them to review the call where the associate first set up me and they refused. They now ended up charging my loan off and putting a default date of XX/XX/ even though I was making the payments they set up for me until they charged it off XX/XX/XXXX  which they set up as part of the program I was apparently never enrolled into.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Equifax Inc. reported that their systems were hit with a cyberattack and that the attack may have affected nearly 143 million people. Due to this, my information may have been compromised. I am afraid that my information can be used to either open up fake accounts under my name or identity theft. In light of this information, I have set a fraud alert on my accounts.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-07-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX I ordered XXXX pairs of shoes from Salomonusashop.com The payment was processed through XXXX. I became suspicious when I didnt get an email confirmation, and started a credit card dispute on XX/XX/XXXX after several attempts to contact XXXX. On XX/XX/XXXX USAA requested supporting documents. I was unable to upload documents through the online portal so I called in. The agent I spoke with clarified that what had happened fell under fraud rather than dispute, so the card ending in XXXX was closed and a new one was sent. 

As the dispute process and fraud investigation proceeding the {$96.00} charge was debited on XX/XX/XXXX and XX/XX/XXXX, and credited on XX/XX/XXXX and XXXX, XXXX, XXXX. On XX/XX/XXXX, a new debit of {$96.00} appeared on the account with the new credit card ending in XXXX. I called in on XX/XX/XXXX and was told that I would need to again close the account and be issued a new credit card number. I was also told that I may need to do this a few more times before the charge stopped showing up on the account. Hearing this, I decided the account was too severely compromised to stay open. I asked that it be closed permanently and entirely, and a new fraud claim be started. 

After waiting until XX/XX/XXXX and seeing no evidence the account had been closed or a new fraud claim had been started I called in again. I was assured the account was closed and the fraud claim was underway. By XX/XX/XXXX there still was no evidence the account had been closed or the fraud claim had been started. I called in again. This time I was told that the charge on the account was actually a creditin spite of the very clear evidence to the contrary. After having this explained to me repeatedly for well over XXXX minutes, I asked that the call be escalated. The supervisor I spoke with indicated the charge had been reinstated, there would be no further action by USAA and the charge would remain my responsibility. 

In the interim a document was delivered to my online portal claiming the charge was valid because my email address was tied to a XX/XX/XXXX transaction that had not been disputed. There are no charges from XXXX on the account in question, or any other USAA account, on that day or even that year. In addition, there are no charges on the XXXX account associated with the email address anytime in XXXX.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

The Discover card was opened in XXXX. 
Around XXXX of XXXX, I took a cash advance of {$100.00}. 
When I made this transaction, I thought a cash advance was considered a transaction like a purchase. 
While making payments on the credit card balance, I thought the cash advance was being paid with my monthly payments. I didn't realize there is a separate interest charge for cash advances. 
Over the course of 17 years, none of my payments have gone to pay this cash advance. Apparently, none of the monthly payments made are applied to the advance, until the balance of the purchases is paid in full. 
This {$100.00} cash advance now shows as a balance of {$8100.00}. All interest charges for the {$100.00}. 
This account is enrolled in auto withdraw from my bank, and I rarely use the card. 
When I was declined to make a purchase recently, it caused me to go back and look at my statements. 
This is where I saw the outstanding balance for the Cash Advance, that I am now over my limit, and my payments are continuing to increase monthly due to the interest. 
Being over the limit is now being reported to my credit report and my score is being affected. 
Initially I thought I was a victim of fraud. 
I reached out to Discover to discuss this issue. This is when I realized that I was not a victim of fraud but was a victim of predatory lending. The {$8000.00} was a result of the {$100.00} cash advance. 
I was told their records only go back 7 years. The best they said they could do was credit me back 3 months of interest paid on the advances and offered to put me in a payment plan. 
I do not abuse my credit cards ; I only have a {$910.00} purchase balance on the card. 
My payments are always made on time. 
If you look at the last payment made of {$220.00}, {$200.00} went to the cash advance interest, only {$13.00} went towards the interest for the purchases. At this rate, the advance will never be paid off. 
Each month my minimum payment continues to increase. 
If they can not document the XXXX cash advance made, how can they continue to charge interest on it?
Consumer complaint received 2023-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

XXXX XXXX has been harassing me, I tried several times to amend with the company. 

Please remove from my account. 

Thanks
Consumer complaint received 2023-07-16
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. (NJ)

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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-16
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. (NY)

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the XXXX XXXX All my credit is in XXXX XXXX where I live and work.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Consumer Financial Protection Bureau Subject : Unauthorized Withdrawal and Account Compromise Dear Sir/Madam, I hope this letter finds its way to the right person.

I am writing to bring to your attention a concerning incident regarding my Bank of America checking account. On [ date ], I discovered that my account was compromised before I received the debit card, and an unauthorized withdrawal of {$10000.00} was made.

The timeline of events leading to the unauthorized withdrawal is as follows : Before I received my EDD Debit card from Bank of America my account was compromised before I could even get the chance to active or even register the card. 

Upon discovering the unauthorized transaction, I immediately contacted Bank of America customer service to report the issue. They initiated an investigation, and I was informed that I would be reimbursed for the fraudulent withdrawal. However, it has been [ state the duration of time since the incident ], and I have not received a resolution or a refund for the stolen amount. 

I have cooperated fully with Bank of America during their investigation, providing all necessary information and documentation. Despite this, the lack of timely response and resolution has caused significant financial distress and inconvenience. 

I kindly request your intervention to ensure a fair and swift resolution to this matter. I believe the situation requires immediate attention to prevent further loss and safeguard the integrity of the banking system. 

Enclosed with this letter are copies of relevant documents, such as my account statements and any communication with Bank of America, which support my claim. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me if any further information is required. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I read about the Equifax hack yesterday ( XX/XX/XXXX ), over the course of that night and the following day ( XX/XX/XXXX ) while at work I became more and more stressed out, I never used credit at all, except for my mortgage. I do n't believe in spending money you do n't have, so I 've never had, and never will obtain credit cards or get loans ( other than for my home ). When I got home from work today ( XX/XX/XXXX ) I immediately went to the FTC website to see what my options were, so I followed the directions, and my information is at risk according to Equifax 's website. I called XXXX, and while I could not get a live operator, I was able to place a 90 day identify theft alert on my credit report via the automated system. 

I just want to be left alone. Let me pay my mortgage, I never want anything else finance related.
Consumer complaint received 2023-07-16
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. (WA)

Equifax has refused to fix inaccurate personal information in my credit file after multiple complaints with the CFPB. I notified the CFPB that Equifax had been publishing the name variation of XXXX XXXX XXXX on my credit file, which was causing several of my accounts to disappear from my credit. I have previously informed Equifax that my former name was XXXX XXXX XXXX and my new name was XXXX XXXX, they have sought to destroy my credit history so that they can increase their profits by selling this misinformation to financial institutions and insurance. I know that Credit Bureau receive more money for negative credit files than they do for good credit profiles, given that the financial institution or insurance company can charge more interest. This practice financially incentivizes the Credit Bureau to not fix negative information that might be on the consumer 's profile, this is what appears to be happening here with Equifax. Whereas Equifax is committing fraud against me at this moment in order to profit off of false information they are distributing to XXXX XXXX XXXX XXXX ( XXXX ). According to a credit report received from all three credit bureaus today, Equifax has listed my name as XXXX XXXX XXXX with no former names or also known as names which is incorrect. A few days ago I received a letter from Equifax which was addressed to XXXX XXXX XXXX for the same credit file, this is XXXX XXXX evidence of Credit Bureau fraud. I have recently been denied a place to live with the property management company citing that my credit history wasn't old enough. I have a right to verification of information being reported, and Equifax has yet to send me any information regarding this fraudulent name variation of XXXX XXXX XXXX - or the contact information of the individual ( s ) or organization ( s ) having them publish it.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received and email that an account was opened at Bank of America through their online banking. I called right away to report it as fraudulent banking at BofA. It took 20 mins to get to a person, XXXX finally picked up. He asked for my social security number and I said no, I will share other I do to prove its me. He took my DOB and Last 4 of my SSN. He found 2 accounts had been opened within a day of each other. I asked him to close them. He asked me a few questions, I answered them and he confirmed on the phone they had been closed out without impact to my credit score or other since no cash was exchanged. Yesterday the cards for the account showed up at my door, I dont understand why they would be here if the account has been closed. 
This is three accounts now that BofA have opened under my name. I have filed with them and told them at no point will I authorize an account being open at BofA. 
How do I get these accounts closed? 

My credit is frozen, I have done everything to lock down my identity as well. 

Please help! 
XXXX
Consumer complaint received 2023-11-02
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

on XX/XX/2023, i purchased with my synchrony bank PAYPAL MASTERCAR CREDIT CARD by XXXX for the amount of {$350.00} a XXXX XXXX XXXX for a desktop computer, with the description, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the order number XXXX. 

The situation is that the seller with the name XXXX Store, scammed me, I did receive an article at my home address, but my surprise was that that the article was a joke, this store or person sent me a XXXX XXXX XXXX XXXX. Right after I reported by a dispute to XXXX and PayPal, attached the whole documentation I have. The dispute at XXXX is FROZEN at this time, with the description, this order is frozen because a chargeback has been filed. 

I called PayPal couple times because at this time my card has a charge of the whole amount of {$350.00} and the representative explained to me that the case is close ( I LOST ) because I never presented proofs. For that reason, I am filling this case, with the proofs and documentation i have, also for my records,
Consumer complaint received 2023-07-16
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. (MA)

XXXX XXXXXXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXXXXXX XXXX - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with XXXX, XXXX and Also Equifax and they refuse to remove them from my credit report.
Consumer complaint received 2023-07-16
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. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX**** XXXX XXXX - XXXX