davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (IL)

I viewed my pristine credit report and to my horror saw a collection from Harvard collections dated XXXX in the amount of {$500.00}. I called Harvard collections and they stated that this is a debt from XXXX! This is clear violation of the law! <P/>1. I Never received notice from Harvard of the alleged debt from XXXX! prior to listing on my credit report. <P/>2. The debt is not mine! <P/>3. The debt that Harvard is trying to collect is past the statute of limitations Harvard is well aware the debt is from XXXX! But Harvard is listing it as new XXXX and XX/XX/XXXX. <P/>I disputed with XXXX-updated stayed the same, filed a compliant with you- XXXX -received a letter from Harvard Collections post marked XX/XX/XXXX stating, They received information that I dispute the validity of the listing on my credit report. Please send information to support my dispute within 30 days. Information must be mailed in order to process my claim. <P/>4.How can I send information that I do n't have, to me does not exist the debt is not mine! And debt is from XXXX! Harvard is listing as new in violation of the law!
Consumer complaint received 2017-07-15
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: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX alerted me that I have several inquiries on my credit report. Unauthorized inquiries. I never gave any consent to XXXX nor these companies below to open any accounts without my authorization. XXXX 1. American Express 2. XXXX 3. XXXX XXXX 4. XXXX XXXX
Consumer complaint received 2017-09-11
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-11
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. (MI)

It appears I am a victim of the massive Equifax data breach and I find it outrageous that, in an attempt to best protect myself from Equifax 's lapse in security, I must pay {$10.00} per credit bureau to enact a credit freeze. I believe that as a credit bureau, Equifax et al should be held to a higher standard for securing my personal data being that it holds in one place virtually every aspect of my life history. My financial life is now completely vulnerable thru no fault of my own. As a result, I am filing this complaint to request that Equifax compensate me for {$90.00} which will cover the fees to both apply and remove a credit freeze at all three bureaus plus the addition of a one-time " thaw '' or temporary freeze at all three bureaus. I feel this is fair and reasonable in that I 'm not looking to profit but simply re-coup my outlay. 

Best regards, XXXX
Consumer complaint received 2017-07-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

A deposit account was opened in XXXX which offered a {$50.00} bonus. The bonus was not paid timely and several requests were made to close and refund the account balance. I was told by Capital One that they would not mail a refund of the account balance. They recently mailed a letter stating they are attempting to abandon the account. I again called to request closing/refunding but I was told they will not refund my balance.
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (TX)

To whom it may concern: XXXX You are still violating the law by validating the account below without sending the necessary proof that it’s my account and that you have a right to collect on this account. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you “verified” that these items are being “reported correctly” ? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX   Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXXOpened: XX/XX/XXXXReported balance:XXXXXXXX XXXXOpen XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person . Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days. I await your response,
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, XXXX and Experian credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off date:XXXX  ( Experian ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Consumer complaint received 2017-09-11
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. (TN)

I got an email that my info may have been accessed in the big hacking incident with Equifax. I tried to check with them on their new site made for this incident and all it told me was to check back on XXXX-XXXX-17 to enroll in the check service. Equifax has n't told me if my credit and personal Info was fraudulently hacked and their website to check it did n't even tell me that.
Consumer complaint received 2017-09-11
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. (OR)

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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

paypal is jamming cards onto your account just like XXXX XXXX jammed new accounts. Today its very difficult to get through a paypal payment transaction without misleading popups tricking you to take a CC card.
Consumer complaint received 2020-05-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vital Solutions, Inc. (MA)

I had a leased car from XXXX XXXX XXXX. The lease ended XX/XX/XXXX. In XX/XX/XXXX, I was send a bill for State of Massachusetts excise tax for the full year XXXX. I called XXXX XXXX XXXX and told them I would apply for the 23 days in XXXX that I had possession of the car, but would not pay for the 242 days of auto excise tax that I did not have the car. I called the state of Massachusetts and was told that I was not responsible for the excise tax during a period when I did not have a legal agreement to lease the car from XXXX. I paid all my lease fees, returned the car to a dealer on XX/XX/XXXX and was considered paid in full. I later found out that XXXX XXXX XXXX sent me to collections with company named Vital Recovery Services. I refused to pay them and was reported to the credit bureau as delinquent. This has been affecting my credit rating for over a year. I have spent hours on the phone trying to explain this the XXXX. I need help in getting this resolved and the delinquency removed from my credit file. Thank you.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MN)

I discovered that there was an account opened under my name several years, when I called customer service they confirmed it was closed but the process to file a ID Theft Claim with WellsFargo is over burdensome. I never had accounts with WellsFargo. They need to mark all the accounts associated with me as fraud and have their ID XXXX Department investigate this.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

i was granted unemployment and was told i had to usethis bank to get my benefits. i saved {$220.00} from prev biweekly claim to pay my rent. on XX/XX/XXXX XXXX XXXX my benefits hit for {$680.00} bringing my balance to {$900.00}. At XXXX XXXX on the way to my job i stopped at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX pa XXXX and used gas pump the zip code control was n't working so i had to use my pin #. at XXXX i used the card at XXXX XXXX on XXXX XXXX XXXX in XXXX pa heading to XXXX pa where my new job is.on my lunch break i went and purchased lunch at XXXX XXXX on XXXX XXXX in XXXX Pa. From XXXX XXXX to XXXX est i was on the clock at work as a bill collector. at XXXX XXXX i received a text message that my funds went from {$870.00} to {$7.00} stating i just used card at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX nj for {$200.00} {$100.00} {$100.00} {$100.00} {$100.00} {$10000.00} {$10000.00} ans {$42.00} all withing 2 minutes. i immediately texted help and was given XXXX to call and make a complaint. I called advised them i only have one card and how could this have happened.They faxed me dispute form to my job XXXX fax # i filed out form and sent one page letter faxed back from my job with my job letter head about how i was a victim of fraud and needed help. Once i was notified 2 days later that the claim was put in the rep advised me no police report was needed because i had no clue who done this to me.i also advised the rep i could have my hr department fax my hours down to the minutes and they stated it wouldnt help my claim.i called daily for help because now im 2 months behind on my mortage .different reps refused to put manager on line just kept telling me after 10 days the funds will be back on the card. I still called everyday anyway to hear everything was fine just give them the 10 business days.after the 10 day i called and advised manager that the money didnt hit she told me it will hit by XXXX XXXX on XX/XX/XXXX when money didnt hit i called and demanded a manager. I was then told my claim was ruled as not a mistake and the claim was dropped. I begged for help and was told it was nothing they could do just wait for the paperwork of how they came to the result. please i need help
Consumer complaint received 2017-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to you in reguards to XXXX XXXX still being on my credit report. Experian stated there is no such info on my credit report. Now I have XXXX and it monitors my credit report and it still shows it. I have enclosed copies to show you that it still is under derogatory items which has cause my credit to drop 36 points. I enclosed what my credit report is showing and the court paperwork stating it has been dismissed. Once again I am asking for it to be completely removed
Consumer complaint received 2017-09-11
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)

After learning of the recent security breach at Equifax I followed their link ( https : //www.equifaxsecurity2017.com/XXXX ) to find out that my data may have been compromised in the breach during the summer of 2017. I have not yet received any information from Equifax regarding my information potentially being stolen, but according to their website it is likely among the account information stolen. 

The complete lack of notification to me by Equifax is extremely upsetting when they are fully aware of the sheer scope of the problem and have determined that my information my have been compromised. Due to either gross negligence, or incompetence I will spend the rest of my life with a full security freeze on my accounts. This involves a large amount of time and money that I will have no choice but to spend to fix their egregious error. 

Even trying to resolve the problem through Equifax 's website resulted in a post dated enrollment in their TrustedID Premier service. The culpability of the security breach lies squarely on Equifax 's shoulders, and yet they have made it unnecessarily difficult to take further steps to prevent identity theft due to their errors. This state of affairs is completely unacceptable and swift action must be taken to avoid future incidents like this in the future.
Consumer complaint received 2017-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

The bank wells fargo is telling me that I can not ( online Transfer ) more then 6 times a mouth and they will charge me a fee. They tell me that it is a federal law. And if a transfer is need, I will half to come in to a branch and do this transfer. sometimes I do more then 6 transfer and they never said nothing about this law, but the last 3 months they have been doing it. On XXXX-XXXX-17 I went in to the branch on XXXX XXXX  XXXX XXXX and withdrew XXXX from savings the withdraw receipt was mark savings the teller took the money out of checking. the next day i used my card and I found that me checking was over drafted went to transfer money I could not do because the federal law. It cost me lost of money. The bank Wells Fargo would not help me ( meaning the bank was closed, so I called the 24 hr phone number the lady told me ( XXXX XXXX ) could not do it ) But they did help them selves to my money. Thank You Wells Fargo. They showed me Courtesy! ... ... and i have more issues with this bank Wells Fargo and question ...
Consumer complaint received 2024-08-27
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 am a victim of identity theft, which has led to the appearance of 2 unauthorized accounts and 29 inquiries on my credit report. These were added without my knowledge or consent. 

ACCOUNTS : - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have reported this identity theft to the FTC and request the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2017-09-10
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. (MA)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER 13 DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.