davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
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. (TX)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I used my AMEX credit card at an ATM to withdraw funds, however- the ATM failed to dispense funds and my account was subsequently debited. On XX/XX/XXXX, I called the bank and filed two disputes in the amounts of {$840.00} ( XXXX ) and {$520.00} ( XXXX ). The representative assured me that I will not be responsible for paying back the funds because it is under investigation. Fast forward, I have yet to receive any credit for the two disputes I filed, and it's been 3 weeks now. Moreover, my balance on my account still reflects the two withdrawals, even though I was told by multiple representatives ( including a manager ) that I do not have to pay anything back. I don't understand why I haven't received any credits on my account after waiting this long. I've been a customer for 3 plus years, I pay my balance every month, yet I can't receive a refund for my disputes until the investigation is concluded. From my experience, banks typically provid a provisional credit ( AMEX has done so before on disputes for my account ) until the investigation is done, then they either reverse it or make it permanent. To date- I have not gotten any written correspondence from AMEX regarding the status of my dispute or a refund for either amount. Every time I call I get the same scripted response, but no real resolution. I need my money!
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I opened a Capital One 360 checking account on XXXX. No issues, they opened it. Well today on XXXX my uncle sent me {$2000.00} for college and my birthday. XXXX, XXXX says pending. An hour later I get an email saying my account was frozen and to call in to verify the deposit. I call in and verify myself after half an hour on hold. The rep then tells me that XXXX has decided to close my account and will not be giving me a reason. Nor would they mail me my birthday money. They absolutely refuse to help. They closed my account in the middle of a deposit without any reason after a month of me being a customer. And I never went into a negative amount. I want my money and an apology!
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am livid that Experian charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring Experian and its executives to account for this.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX  {$64.00} XX/XX/2023 XXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank (FL)

They do not have customer service personel. I have been on the phone over an hour and nobody answers. I cant get any assistance. I applied, they took {$750.00} from my bank account then after payment they are requesting more information. So, after thinking more clearly this card is not for me. I would like my money back in full and not retrieve a credit card with First Progress Cards.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I am in the Public Service Loan Forgiveness program. I began working in XX/XX/XXXX and immediately filed paper work to have my loans consolidated so I may join the program. Due to multiple errors and delays in processing, I was n't allowed to begin making payments until XX/XX/XXXX. I have tried to remedy this complaint with Fedloans servicing, who is my current loan servicer, however, they wo n't allow my me to make payments for the lost months in this error. My loans were officially dispersed on XX/XX/XXXX.
Furthermore, additional errors were made in my account. In XX/XX/XXXX my payment had tripled incorrectly due to a glitch in Fedloans system which would have sent out notification for me to re-certify my payment plan. Management acknowledged this error, however, I was placed into forbearance even though this issue had not been my fault. Thus I was delayed in making payments for an additional 2 months due to being placed in forbearance. I was even told it would be an administrative forbearance but I have since found out they categorized it as a hardship forbearance. On XX/XX/XXXX, under the guidance of management at Fedloans I had made a payment of XXXX to count toward my PSLF. I have now learned that Fedloans has not even counted this payment as they claim there is no active bill for this month ( as they still considered me on forbearance. ) I have however, verified that a manual override was placed in my account, however, I have still not received credit for this payment.
I would like to be allowed to make payments for the months ofXX/XX/XXXX, XX/XX/XXXX which I was not allowed to due to being placed on forbearance for an issue I did not cause. I would also request the payment I did make inXX/XX/XXXXbe counted toward my PSLF as it was under the guidance and recommendation of Fedloans servicing management that I make that payment. Furthermore, I request to be allowed to make payments for the month of XX/XX/XXXX and XX/XX/XXXX to count towards my PSLF as processing errors which occurred during that time were not my fault.
Thank you for your assistance.
Consumer complaint received 2017-09-12
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)

now with the security bleach of equifax i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was recently a victim of an online scam. I was offered a remote job to enhance product visibility on an online marketplace. The scam required me to put some money upfront and then withdraw it along with commissions after completing daily tasks. The required deposits kept increasing until I couldn't afford them anymore, and then I was unable to withdraw the money I had deposited. 
All the transactions were done via cryptocurrency. 
Please refer to the attached letter for a detailed description of the amounts involved in the fraud.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

hereby declare that I am the victim of identity theft and have not, at any time, authorized or participated in the fraudulent activities described in my dispute. I have not benefited in any way from the accounts, transactions, or inquiries that were unlawfully conducted in my name. Furthermore, I have no knowledge of the individual or individuals responsible for these unauthorized actions. All information provided in this matter is truthful and accurate to the best of my knowledge.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX I FILED A POLICE REPORT MIDLAND CREDIT MANAGEMENT XXXX XXXX FILED A POLICE REPORT XXXX  XXXX XXXX FILED A POLICE REPORT XXXXXXXX XXXX XXXX XXXX I FILED A REPORT XXXX XXXXXXXX XXXX FILED A POLICE REPORT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS VIOLATED MY RIGHTS UNDER 15 USC1681 SECTION 602 I HAVE THE RIGHTS TO PRIVACY 15 USC1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE
Consumer complaint received 2023-04-22
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. (TN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX bank was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
XXXX  was a settlement and should been removed from report open in XXXX. 
JARED COMENITY BANK was a settlement and should be removed from my report XXXX, oh XXXX
Consumer complaint received 2017-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I received letters dated XXXX XXXX from Wells Fargo bank notifying me the my accounts were going to be closed XXXX XXXX. 

All my account were closed at the bank,. This included 3 different business accounts, several personal checking and savings accounts for me, my wife, my mother and also a business credit card account. 

The only account that has been left untouched is my mortgage account. 

So far, despite several attempts, the bank has refused to disclose any reason for the closure,. 

I have operated these accounts way back when I initially opened them at XXXX XXXXk over 10 years ago, and these accounts were migrated from XXXX after Wells Fargo acquired them in XXXX. I have run these account with very healthy balances and operated them in good standing at all times so this really comes as a shock that the bank would treat me in this manner without providing any kind of explanation for their actions whatsoever.
Consumer complaint received 2017-09-12
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. (IL)

A major data breach occurred at Equifax, and millions of people 's sensitive private information was leaked. This leak will lead to a lifetime of vulnerability to identity theft. It took over a month for the news of the leak to be made public, and I was never notified individually -- Equifax relied on mass media to take responsibility, when Equifax is the company responsible for maintaining safety of the data. The tool used to cross check whether an individual 's information was leaked is not secured with https, and appears to have been broken -- news outlets reported nonsense input leading to the same output. 

Furthermore the proposed solution will do little to mitigate the harm poses by the company 's insecure data storage. In fact, by starting people on free subscriptions to their own credit monitoring service ( and only their own credit monitoring service ), they are likely to make money off of this leak when it comes time for consumers to renew in one year 's time.