davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I submitted a complaint on XX/XX/year>, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days.

Equifax has refused to promptly remove these fraudulent accounts. I have yet to receive any investigation results. This lack of response and failure to take appropriate action is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ). While other credit bureaus have promptly removed these fraudulent accounts upon request ( see attached documentation for proof ), Equifax continues to report this inaccurate information. 

I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. Fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2021-06-21
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. (PA)

ALL 3 CREDIT BUREAUS REMOVED UNAUTHORIZED INQUIRES ON BETWEEN XX/XX/XXXX AND XX/XX/XXXX, BUT NOT HAVEN'T REMOVED THE ADDRESS I HAVEN'T LIVED AT AND SCHOOL LOANS I NEVER TOOK OUT. I AM VICTIM OF IDENTIFY THEFT AND SHOULD BE SUFFERING FOR SOMEBODY ELSE DOING ACCORDING TO The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (SC)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc. (IA)

I made a money lion account and took out 2 cash advances. One on XX/XX/XXXX of {$100.00} and one on XX/XX/XXXX of {$50.00}. I repaid this advance on XX/XX/XXXX. Since then there have been the following transactions NOT done by myself : XX/XX/XXXX Cash Advance of {$160.00}, {$320.00}, and {$330.00} XX/XX/XXXX Cash Advance of {$810.00} XX/XX/XXXX XXXX  deposit {$50.00}, {$100.00}, {$100.00}, {$100.00} ( see attached images ) XX/XX/XXXX XXXX Plus MoneyLion Loan {$300.00} ( see attached images ) XX/XX/XXXX Cash Advance of {$110.00}, {$260.00}, and {$260.00} XX/XX/XXXX Loan of {$1000.00} The cash advances were being done on a MoneyLion XXXX  card along with a multitude of additional transactions ( located in attached images ) and I do not obtain any sort of MoneyLion card. 

I have been trying to contact MoneyLion with requests to close my account and report fraud since XX/XX/XXXX when I was notified of the transactions. They said they filed a fraud claim, but fraud continued until today, XX/XX/XXXX when I called and refused anything besides closing/deactivation of my account. I have reported fraud on both of my bank accounts that have been compromised, but have yet to see reversal of money.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

The overpaid my credit card bill and it is taking citi bank 15 to 20 days to return my money. I asked, why does it take so long, the answer was that this is their process. The real reason is that they want to hog my money to earn interest on it. 

This is unfair and unreasonable. The refund was requested on the XXXX it took them unit the XXXX to approve it after it was expedited. I wish the senate finance committee looks into such abuse of consumers.
Consumer complaint received 2020-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (MA)

I got a {$1400.00} loan From Better Day Loans come to find out later they are charging me interest rate of 775.73 % Massachusetts has laws rules on loans no higher than 20 % APR. I have Reached out several times to Better Day Loans with no Success. This company trys to take advantage of tribal immunity and avoid interest caps. it's the FTC Act grants the FTC authority to regulate arms of XXXX XXXX, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a XXXX XXXX. Lender its not above the law in Massachusetts this loan was deceptive and I feel I was taken advantage of. Please Find documents attached
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (TN)

I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since XXXX ( XXXX XXXX XXXX /XXXX/XXXX XXXX ) do business on XXXX XXXX around the world by XXXX XXXX   they claim that unpaid debt to the XXXX XXXX Credit Card is secured by the Treasury Offset Program. TOP allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact TSI by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security XXXX was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by TSI and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MD)

XXXX XXXX stated contract was voided. Credit Acceptance Corp on XX/XX/2016 opened an installment account without my consent through XXXX XXXX XXXX. I was unable to provide deposit in the amount of {$1500.00} as required to include paying off XXXX red flags on my driver license. Dealership would not accept a promissory note. Credit Acceptance Corp et al XXXX XXXX stated contract was purchased on XX/XX/2016 by a third party. Again, on XX/XX/2016 Credit Acceptance withdrew monies without authorization. All authorizations were revoked associated with that account.
Consumer complaint received 2020-07-25
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: EQUIFAX, INC. (MN)

I have requested the removal of fraudulent/unauthorized inquiries with Equifax many time. These inquiries are damaging my credit report and opportunities to obtain credit. 
These inquiries have been removed from my XXXX & XXXX   report. I am now requesting Equifax to remove these inquiries.
Consumer complaint received 2020-07-26
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. (NC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.
Consumer complaint received 2020-07-26
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (CA)

This debt is over 7 years old and is having a negative impact on my credit file. I was told before by the debtor about a year ago that they will request to remove this debt. I have requested a removal many times and it is still on my credit file.
Consumer complaint received 2019-03-03
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: BARCLAYS BANK DELAWARE (TN)

My Barclaycard with XXXX Rewards account was compromised, and approximately $ 2,000-3,000 in  unauthorized transactions were made on my account. I notified the company promptly, and received a letter from Barclays Bank Delaware confirming these unauthorized charges were confirmed as fraud and would be removed ( included with complaint. ) However, approximately a month after this letter I received a call from a woman claiming to represent the " fraud investigations department '' saying these charges would be reapplied to my account and they would not accept my fraud claim. The next day these charges were added again to my balance. I have filed a police report and FTC identity theft report and provided this information to Barclays but these charges have not been removed. 

Federal law limits consumers ' liability for credit card fraud to {$50.00}, yet Barclays has disregarded this and illegally shifted liability to the consumer in excess of this mandated maximum amount. Consumer protection and documentation is needed to ensure the scale of these actions is notated so the CFPB can investigate and take action if this practice continues.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (KY)

We were scheduled to have a new HVAC system installed. The company, XXXX XXXX XXXX XXXX, sent me a link to apply for a Carrier credit account through Wells Fargo to finance the new HVAC system. 

On XX/XX/2020, I submitted the online application to Wells Fargo. I included my home phone number, which was the only number required for the application. 

On XX/XX/2020, Wells Fargo called and asked for a second phone number. When I asked why they needed it, they said that they were having trouble verifying the number I had included on my application. Yet, this home number was the one they were using to call and tell me this -- since it was the number I included on my application! I gave the person my cell phone number. 

On XX/XX/2020, I still had not gotten a response to my application from Wells Fargo. Since the HVAC installation was scheduled for the next day, I called the owner of XXXX XXXX XXXX XXXX and asked if he could check into it. He contacted Wells Fargo. Wells Fargo told him that my phone number was not verified and that I should contact XXXX Credit Bureau to address the problem. 

So, later on XX/XX/2020, I opened an account on XXXX XXXX   website, checked my credit file, and noticed that, in the section entitled " Telephone Numbers Reported, '' my home phone number, which I had used on the Wells Fargo application, was the first number listed!! 

So, a bit later on XX/XX/2020, I tried to contact Wells Fargo to let them know about my number. I could not get through to the right person. At XXXX point, while I was on hold, there was a message that said that they could not help me so I should " please hang up ''!!! 

So, also on XX/XX/2020, I again called the owner of XXXX XXXX XXXX XXXX, who again called Wells Fargo. After talking to them, he suggested that I call the one number back and continually press " 0. '' So, later on XX/XX/2020, I was finally able to reach a representative at Wells Fargo. I explained what they had said about my phone number not verifying, and explained that the number in fact WAS listed in my credit file. He put me on hold to talk to someone about my issue. When he returned, he said that my Wells Fargo application had been denied because they could not verify my phone number and for " credit reasons '' ( which he did not explain ). He said that there was nothing I could do. 

On XX/XX/2020, I received a letter from Wells Fargo that said : " We are unable to offer you a credit card account for the following reasons : Unable to authenticate identity of applicant. '' On this same day, I received copies of my credit report from the three main agencies. On each report, my home phone number, the one I had used on my Wells Fargo application, and the one at which Wells Fargo had called me, was listed.
Consumer complaint received 2020-07-26
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (FL)

i had a XXXX XXXX card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

PNC is not allowing me to link my checking account to XXXX  so that I may automatically transfer money to my XXXX account. PNC has somehow blocked this feature from being utilized, which does not allow me to utilize my money as I see fit.
Consumer complaint received 2020-07-26
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

Hi team, I received the following email from mattress firm with regard to my synchrony credit card account. Oddly enough this account was closed back in 2018 and yet they were able to place a substantial charge without any sort of authorization or involvement on my end. I wonder if I was the only person impacted or if this was more common. Also I question the security of a company if they can charge a closed account. 

I called and confirmed this was a valid email ( not spam ). 

Thanks for investigating! 
XXXX Email : Good Morning XXXX XXXX We recently experienced a glitch within our system that resulted in us inadvertently charging your Synchrony Finance Account {$2400.00}. The error has been reported to Synchrony and we are working with their team to reverse these charges. Since this error occurred on the back end of our system neither the store you made your original purchase from nor our customer service department will have any record of this duplicate charge or be able to assist with correcting the error. Please know, we are working to correct this and will send a follow up email once Synchrony has confirmed the charges have been reversed. We apologize if this error causes you any inconvenience. 



Thank You Mattress Firm Customer Care
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I received a closure letter In the mail One year and two months after getting my Citi credit card. The letter stated that the card was not utilized enough so it was closed I was never told this from Citi as many times as Ive called them. When I touched base on Friday XX/XX/XXXX Citi stated they would open my card back up I would receive a letter in the mail verifying that and it would never report to the credit bureaus that my card was closed GREAT news except for the part where they lied about that and canceled the request when I got off the phone. I called back in to find out some more information and was notified that my card was closed and I had no regards to getting it back unless I just applied for another card. Ill I got was Ill make sure I inform her manager About what that she was misleading the services in which were stated that I was getting provided. I mean at the end of it all I was never notified my card was closed then I was lied to about the terms and conditions of my card being reopened.