davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Consumer complaint received 2019-12-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (CA)

They called my number and left a voicemail ( that I kept ) that starts out, " Oh my XXXX XXXX. This is an important message from Reliant Capital Solutions a call from a debt collector. Please return this call at XXXX ext XXXX. 

They left no name of the individual. 

If someone would like to hear the message, I can always forward or someone can call me and listen to.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Card Services # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-12-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (IN)

On XX/XX/2019 i borrowed money from Checksmart in XXXX ohio. The entire process was odd. The amount i received was {$280.00} and the payback amount was {$330.00} which was due XX/XX/XXXX. I paid the amount off in full on XX/XX/XXXX & decided never to borrow from that company again. Today XX/XX/2019 i had a missed call from Checksmart so i returned the call. At XXXX i called the XXXX   number and XXXX answered the phone. She informed me she was calling to remind me of my payment due on the XXXX. I asked what payment? She then proceeded to tell me that i owe {$25.00} a month for the next 12 months for an open line of credit of {$400.00}. I was baffled & shocked. I told her this is the 1st im hearing of this and that i borrowed one time from their company and paid the amount off in full. I dont owe them anything. It was one transaction that is over. She said its like a credit card that charges monthly fees and i told her i dont have any of those and i didnt agree to this and i dont owe them anything. She said theres a {$10.00} credit investigation fee and its included in the monthly fee. I told her i dont owe them anything because i paid everything off in full. She then asked when and how i would pay the monthly fee ... i said im not and i was contacting an attorney for fraud. I then found your website and began filing this complaint. This is absolute fraud and some odd extortion. I never agreed or wanted any of the things their saying i owe. I went there one time and paid it off in full. I decided not to borrow from them again because the whole process on XX/XX/XXXX felt shady. I can see now that shady feeling was well founded. This is a scam company and i cant even imagine how many other people they are robbing. It is fraud and theft. I look forward to hearing back from you. Thanks so much.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1900.00} 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 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNTRUST BANKS, INC. (GA)

Payments have been made on the card every month but the payments are not being posted. I have had this issue before. I went to use my card the purchase didnt go through and it hasnt been maxed out. Someone has also had a bizarre obsession with all of my personal information causing me to file for identity theft. This needs to be fixed and payments need to be posted ASAP!!!! the card has a XXXX limit
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Credit Reporting Agency Name : the credit reporting agency : XXXX, XXXX, or TransUnion ] Subject : Formal Dispute of Collection Account XXXX XXXX XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX with the account number XXXX. I have identified inaccuracies and incomplete information associated with this account that warrant immediate investigation and resolution. 

According to the Fair Credit Reporting Act ( FCRA ), I request an immediate block and verification of this account until the alleged debt can be fully investigated and validated. Specifically, I dispute the following inaccuracies : XXXX. Balance discrepancies : The current balance listed as {$4400.00} differs from the original balance of {$4000.00} without adequate explanation or justification. 
XXXX. Payment history errors : The repeated listing of Collection statuses for overlapping periods ( e.g., XX/XX/2024 and XX/XX/2024 ) reflects a potential data reporting error. 
XXXX. Verification of debt ownership : I have not received proper documentation verifying this debt, nor have I been provided with any evidence of my liability. 

Given these inaccuracies, I request the following actions under the FCRA : XXXX. Immediately investigate the validity of this account with XXXX XXXX XXXX. 
XXXX. Block this account from being reported until the investigation is completed and any inaccuracies are corrected. 
XXXX. Provide me with detailed verification of the debt, including a signed contract or agreement and an itemized statement of the charges. 

I have attached a copy of my identification and proof of address to assist with this process. Please resolve this matter within XXXX days of receipt of this letter, as required by law. If the account can not be verified, I request its permanent removal from my credit report. 

I expect written confirmation of your findings and actions taken. You may contact me at the address above for any additional information or clarification. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (DE)

Breach of Contract : I received inferior engineered floors that were thrown down in 45 minutes. They cut up and ruined my stairwell carpet and did not place the new carpet for which I paid. I did not get thick padding. I did not get strips dividing the rooms. I received no glue and no nails. They hid the unilateral changed contract from me. I paid other  companies to do for what I contracted with XXXX that it failed to do. 
Described below outlines my contract with XXXX : 1. Engineered flooring with glue ; I requested nails in lieu of glue that was promised and agreed upon. I did not get glue or nails and was told after the install, They could do it for an extra charge. I will not pay additional costs for something that was already paid, promised and expected. 
2. Thick padding ; When confirming my install, I was informed and assured by each person I spoke with, Thicker padding in in the contract. I received no padding. I was promised they would fix it. I was then told, It is in your contract, but we didnt charge you for it, so. 
3. Colored coordinated rounds They arrived on XX/XX/20 with white rounds. I did not let them in. They came back on XX/XX/20 with the correct quarter rounds to do the work. 
4. Room separator strips ; ( I was told they separate all rooms ) I ordered and was promised room dividers and was told, We put them between every room. I did not receive room dividers.

5. New carpeting for staircase I selected and paid for carpeting and did not get carpeting. 
I never had a contract with XXXX. I made a contract with XXXX. XXXX stated it was not XXXX and they are their own company. XXXX or XXXX accepted the agreed upon resolution of {$2900.00} and then XXXX informed me inXX/XX/XXXX they accepted the resolution before Arbitration, but they were still going to ruin my credit. I asked XXXX, You are saying that you did not accept the settlement, She stated, We accepted it. 
XXXX breached its contract when it unilaterally changed the contract. They promised to fix their breaches, but ignored the over 90 inquires I made for resolution. The floors sink and crackle when walking on them. They lied and stated they inspected them. They have not been to my house to inspect nor correct my issues ; and only attempted to put carpet on the steps after I filed a dispute. They gave carpet install dates on days I had a scheduled XXXX  and when I was not in town and would not address the floors. I wanted the corrections done at the same time. I gave up and went to other contractors and paid other companies to perform what I paid XXXX to do. 
Please see attachments
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (GA)

This is a daily call everyday around the same time of day noon, I have sinced blocked them and sent them a cease and desist letter and a validation lettr of the debt by certified mail and the calls still are coing they are trying to colect on a debt that my wife had a long time ago i thnk it may a student loan but I also fond out that they are not allowed to collect on a student debt. the first time I ansered the call they threatened me with jil for interrupting thier process of collecting on a debt and was very rude. I told them my wife was not here and not at this number and the lady caled me a lair and said she was ther and to put her on the pone. that is when i hung up and blocked them I am on the do not call list but this group still gets through it everyday. The group is XXXX and XXXX XXXX and the the info information show XXXX Ga but their main office is in XXXX XXXX SC and XXXX XXXX is the CEO XXXX XXXX XXXX. I have given them my wife 's number but they want call her they keep calling me and if I had a debt that they were collecting then they should tell me what it is. I want the calls to stop and I have asked them to send it in writing for the debt and the lady said she didn't have to do that. I mailed the letter yesterday and the post office was asking for a secondary adress which I can't find soit may go for nothing and be a bad address.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Management Solutions, LLC (GA)

Hi i filed a CFPB Complaint against Financial Management Solutions they are reporting a debt on my credit that does not belong to me. Yesterday XX/XX/2020 i got an alert from the credit bureaus that Financial Management Solutions did a credit check on me that gave me a hard inquiry. I did not authorize this.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CT)

The state of Oklahoma issued tax refunds via Way2Go debit cards. For my return they sent two cards. One in my wife 's name and one in mine.

Cards were not valid until dialing in and selecting a PIN.

The included fee schedule indicates that they will charge {$0.00} per Customer Service fee after two free calls per month. Immediately after activating both cards my balance was reduced by {$0.00}. When I tried to charge the exact dollar amount/balance indicated by their system upon activation, the card was declined for insufficient funds. When I called to find out why my the account was again debited by {$0.00}. There is no option within the automated menu structure to speak directly to an agent. Apparently this is done to get you to continually call back and try to work your way thru their menu to find the correct combination. Each time a client does so they are able to charge them another {$0.00}.

I finally got the combination right by selecting the option to report a lost or stolen card. After you get thru the menu and are transferred to hold for an agent the line goes silent. You don't know if you are on hold or disconnected except by watching the call timer. I never did get to speak to an agent. No one ever answered.

Eventually I determine that I could charge the account for slightly less than the stated amount and was able to use what was left on the card. In this case a {$110.00} refund ended up netting me {$100.00}.

This is not about the amount. This complaint is being lodged because the State of OK and its vendor for tax returns are using predatory practices to bilk taxpayers out of their right returns by not simply issuing tax return checks. 

All this occurred on XX/XX/2020 The account numbers involved are : XXXX XXXX The ONLY customer service number is XXXX Website is WWW.GoProgram.com
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/2020 I applied and was approved for an American Express XXXX XXXX XXXX XXXX. Part of the reason I chose this card was because American Express was offering {$150.00} cashback if you spent {$1000.00} in the first three months. On XX/XX/2020, American Express emailed me " COVID-19 support : Update to your Welcome Offer '' extending the time I had to spend {$1000.00} on the card to 6 months. I fulfilled these terms, but never received my {$150.00} cashback. My boyfriend applied for and got this card at the same time I did, and he received his {$150.00} cashback as soon as he spent the requisite amount. I called American Express in XXXX to ask about this, and they said they would open an inquiry and look into it. Nothing happened for about 10 days so I called again, and they apologized and said they would open an inquiry. On XX/XX/XXXX I got an email saying an inquiry was opened, but nothing ever showed up on my account and I still have not heard anything.
Consumer complaint received 2020-10-07
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 have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with Experian  more recently, and I'm sure XXXX will be just as useless as XXXX  and Experian. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP (WA)

I have two accounts from key bank on my credit report. Key bank sold the debt to XXXX XXXX XXXX but I just received a response from mercantile that says they havent had the debt since XXXX. Now it appears that key bank is just reporting it on my credit report without just cause to do so. This debt is also from XXXX so it shouldnt be on my report whatsoever. When it was sold to XXXX XXXX XXXX, I was being called and harassed all the time. On top of that, now the debt is just given to someone else? Terrible business practices.