davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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 21 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 old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute on the DOB reported on the credit report of all XXXX credit bureaus. Only XXXX credit reporting bureau removed the incorrect information. XXXX and Transunion continue to report the incorrect DOB which is causing me financial hardships when applying for jobs. 

I have disputed the DOB and no answer was given expect that the XXXX reporting agencies - XXXX and TransUnion would continue to report the incorrect information. I have sent letters of request that the information be removed to no avail.
Consumer complaint received 2022-06-15
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 am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2017-04-25
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. (MO)

I spoke with someone at Transunion for the fifth time on  XXXX / XXXX / XXXX  about fraudulent inquiries on my credit report. I have placed fraud alerts on all the credit bureaus because I found activity and have been receiving denial letters for things I never applied for. I was told to file a police report. Went to the police station here in  XXXX   XXXX , Missouri. The sergeant on duty stated to me that if there was no balance nor account opened, that no criminal actions was really committed. She told me that the credit bureaus should remove them do to me supplying information and showing that there is some form of fraud going on. These are the unauthorized/unverified inquiries that I have asked to be deleted.  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 . According to the FRCA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the my phone call and as well as received a new report with no change nor verification, one can assume that there was NO investigation into the matter. I plan to purchasing a home this year and having this many hard inquiries on my credit report, that I did n't authorize, is a sign of financial risk, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have included ALL supporting documentation.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NJ)

In 2016 I had two late payments to my TJMaxx Card issued by Synchrony Bank. In both cases they were silly snafoos that were my fault, but had nothing to do with credit worthiness. In both cases I identified the issue before Synchrony did and proactively called and made a new payment. 

I have now received an email cancelling my card. I do not find this to be fair as I am perfectly credit worthy and have had the card for years with little or no past issue. I also spend a reasonable amount on the card. I feel that the bank should have had a conversation with me rather than just cancelling out of the blue. 

I believe this represents what is wrong with the system. Machine made decisions with no consideration or focus on the client at all.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Friday, XX/XX/2019, I reached that objective, and called Wells Fargo on XX/XX/2019 to inquire about when I would receive the {$400.00} bonus. 

The customer service rep I spoke to said she did not know when I would receive the bonus. The following Tuesday, XX/XX/2019, I logged into my Wells Fargo checking account and learned the account had been closed by Wells Fargo. I called customer service and was told the account was " probably '' closed due to inactivity. This despite the fact that I paid bills with the account every week, including credit card payments, my mortgage, and utilities. Also, I had direct deposits going into the account weekly from my employers. 

I was told by the rep that Wells Fargo had processed those transactions as automatic transactions, even though they were not. I paid each creditor based on what I was able to pay that particular week. They were not automatic. I had to login online and pay. 

Wells Fargo has refused to pay the bonus. And the closing of this account has left me unable to access my direct deposit for a week. I now have to wait for a paper check to be mailed. I believe the account was closed simply because I achieved the goal to receive the {$400.00} bonus.
Consumer complaint received 2018-12-03
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. (GA)

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NM)

Equifax provided my credit information to an unknown entity and refused to investigate this violation. There was a fraud alert at the time this occurred and they have ONLY offered to delete the evidence of this violation. 
Equifax Confirmation # XXXX is where they reported on my credit report that XXXX XXXX XXXX ( XXXX ) allegedly accessed my credit information on XXXX/XXXX/16. NOTE that there was a fraud alert implemented on XXXX/XXXX/16 by Equifax, 21 days before the violation. See XXXX 's letter where they state based on their investigation and their current practices and procedures that " an error of some type has occurred on XXXX XXXX 's credit report. ''
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

First noticed an issue when i was denied a loan. So I filed a complaint XXXX about an issue with Equifax. They have my name spelled incorrectly. They also have my my birthdate incorrect. The outcome of my complaint was that I send them a copy of drivers license and social security card. I mailed this information to them directly after the complaint was closed. I called Equifax last week and spoke to them and they said they did not receive it. I was informed I could fax that information in and it may be quicker. I faxed the drivers license and social security card last week to them and got confirmation on the fax machine it did send. I spoke with Equifax today and they said they had not received that information in the mail or on fax. Im getting the run around with no answers from them. I did as they asked and have sent the information 2 times. They have my name as XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX Balanceed Owed : $ XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX  XXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I referred a friend to apply the American Express ( AKA, AmEx ) XXXX credit card a couple of months ago. According to AmEx, I believe I should receive a XXXX points bonus for the referral. However I did not receive that. After contacting AmEx six times within three months about this issue, AmEx refused to honor this promotion. AmEx claimed my friend did not apply through my referral link. However, they did not provide any evidence besides their words. My friend called AmEx and told them she actually applied this card through the link in my email. As a result, AmEx have failed their obligation. I request AmEx to honor their promotion and post the points to my account. 
I am attaching my conversations with AmEx about this issue for your reference. 
Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Chat ID XXXX dated XXXX XXXX
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: URS Holding, LLC (TX)

My tax refund of {$1500.00} was garnished this year by Alltran Education , Inc. and the U.S. Department of Education. I have been evicted in XX/XX/XXXX of this year, and officially deemed " homeless '' in XXXX County as of XX/XX/XXXX. All calls to Alltran Education , Inc. and the U.S. Department of Education have been ignored. Specific individuals I have dealt with are XXXX XXXX at the U.S. Department of Education and " XXXX XXXX '' and " XXXX '' of Alltran. None of these employees disclosed their employee ID numbers to me. 

My tax refund was also garnished last year ( XX/XX/XXXX) of over {$2000.00}. 

I now am officially homeless, living on the streets because Altran and the U.S. Department of Education have ignored my complaints time and time again.
Consumer complaint received 2016-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (WA)

Please be aware that I have submitted a similar complaint twice, but both times Citibank has found ways to avoid responding. As I was unable to reach a resolution, I am supplying more information in this complaint. 

Prior to XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XXXX XXXX XXXX XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX XXXX purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the XXXX loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XXXX, I did not authorize my endorsement for the private student loans taken in XXXX and XXXX. Also please let it be known that there is NO pending litigation on this dispute.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This company Equifax is the worst company i ever had to deal with in my life. They are rude and don't know what they are doing for over 2 months now I have been calling them and so has my wife just to get the same answer " WE DON'T HAVE A SCORE FOR YOU SORRY ''. I let them know what could i do to get a score they told me to mail out and fax and email paperwork to there company. So i did i mailed out on XX/XX/2020 to XXXX XXXX XXXX XXXX, XXXX XXXX, I sent them a bill, a w-2, copy i.d, copy of social, and cover sheet. They told me to call the following week and they should received. i called back monday because i thought fax would be easier so i faxed to this # XXXX i enlarged all copies and sent them through office max as well have the receipt. i HAVE FAXED INFORMATION MORE THAN ONCE. I stated this going on 2 month now and now going closer to my closing date and still no help from them have made my life difficult and stressful and my mortgage company told me they will be delaying my closing date if we cant get all 3 scores released. mind you the other 2 credit bereu are able to pull my score equifax can not. On XX/XX/2020 a manger was able to email me a XXXX to update my information and she let me know she received everything and we are good to go and we should be able to relese my score well on XX/XX/2020 @ XXXX XXXX I called again and let them know i wanted to see if we can pull credit and the gentlemen could not help me so my wife got permission to talk to a manger and she let me know that the supervisor in charge this morning hung up on her and did not want to help my wife. so ic alled again around XXXX to get the whole run around that they don't have ANY PAPERWORK! after the manger on friday said she received it i also have the email that she sent me. this company will leave us homeless if they don't relese my score I am in the military and never have i been treated so unprofessionally
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. 

Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. 

As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. 

I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. 

I hope you are able to assist in the matter and offer any help and advice if at all possible.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I called Bank of America to get a ( a new ) credit card promotion. I have an account with them now. I wanted to lower my interest rate and my minimum payment that is going up on XXXX 2016. I wanted to transfer the present credit card balance to a 0 interest rate. I was told I could n't to that because they will not transfer an existing Bank of America credit card account I also was told of my new minimum payment which would be more than I could afford.I told the lady that she did n't give me a resolution! I am very upset with Bank of America. As soon as I can I will close this account. Is there anything that you can do to help me?