davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Please XXXX the attached letter for all details. 

In this letter of XXXX XX/XX/XXXX is the total amount stated to XXXX XXXX which have been transferred from XXXX Bank to COINBASE XXXX In XXXX earlier letter of XXXX XX/XX/XXXX ( incl the attached ) is the amount stated to XXXX XXXX which only comprise a single transfer of money from COINBASE to a scam company.
Consumer complaint received 2024-08-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> at XXXX, I visited Sam 's Club in XXXX XXXX, CA located on XXXX XXXX. The associate who rung up my purchases fraudulently applied for the Sam 's Club store credit card using my social security number without my consent. 


As the associate was checking out my items, she told me I had XXXX dollars on my account and asked me if I wanted to use it to reduce my total. I initially told her no, that I would like to save it to pay for the membership fees I share with my daughter. The associate told me that it was XXXX dollars just for me and that everyone gets it on their account. After she spent some time cajoling me, I agreed because I trusted that she was acting in good faith as an associate of Sam 's Club. She told me that the discount would be immediately applied and that all she needed was my social security number. She turned the keypad around for me to input my social security number, which I did. Thereafter I saw something that said to hit 'accept '. I wasn't sure what to do. The cashier said here let me help you. She turned the keypad back around and hit 'accept ' herself. I expected my bill total to be decreased, and I gave her my money to pay for my purchases. She ended up charging me the full amount of my total. The associate then revealed that the XXXX dollars would actually be sent to me in the mail in XXXX weeks. She then moved on to the next customer and would no longer engage with me. She didn't explain to me what just happened nor what she had accepted on the keypad. 


I was very confused, so I returned to Sam 's Club the next day on XX/XX/XXXX at XXXX to speak to the manager regarding the incident. I described to the manager what the cashier did, that I was deceived about a potential XXXX dollar discount on my total. I expressed my confusion about why my social security number was needed. The manager conveyed she thought the cashier most likely used it to apply for the store credit card. The manager was dismissive of me and my concerns. The manager would not help me further and simply gave me the store credit card phone number to call. I attempted to get the manager 's name for my records as she had her badge turned away. She refused to tell me what her name was. I was shocked that a manager of Sam 's Club would outright refuse such a straightforward request.

I later called the number I was given for the store credit card and confirmed that the Sam 's Club associate did indeed apply for the store credit card in my name using my social security number. 


This is fraud, and this is illegal. I was never asked if I wanted to sign up for the store credit card. The Sams Club associate, in no uncertain terms, lied to gain access to my personal information and used it to apply for a credit card in my name without my knowledge or consent.
Consumer complaint received 2024-07-05
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. (OK)

-- -- -- -- -- -- -- -- 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.

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 informationisinaccurate.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (MD)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I applied for a Bank of America Travel Credit Card with No Annual Fee. I received the card and used it mainly when I travel and occasionally for household purchases. 
Bank of America told me today, XX/XX/2024, that the card carried a " Promotion '' of 0 % interest. Evidently interest would be charged at the end of the " Promotion '' which will be XX/XX/2024. I called Bank of America and just learned of this owed interest which so far is {$100.00}. The final total will be sent to me on XXXX XXXX and will be more as the XXXX will continue to increase my interest payment. 
At the time that I signed up for this card, I was not clearly made aware of this practice. If I understood this fraudulent practice, I NEVER would have accepted this Bank of America card! 
I never pay interest on any card or purchase. And I never missed a payment to Bank of America during the time that I had this card. 
And any paper statement or email statement that I have gotten has NEVER shown any interest that the " Promotion '' was generating!! 
It is a surprise at the end of the " Promotion '' period. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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: CITIBANK, N.A. (CA)

On XX/XX/2022, it came to my attention that someone had opened a Citi secured credit card in my name without my knowledge or consent. I immediately contacted Citi Bank to inform them of this fraudulent activity and to report that my identity had been stolen. Despite providing evidence that the account did not belong to me, including the fact that the associated phone number and email were not mine, Citi Bank refused to remove the account from my credit report. In response to this, I filed a police report and submitted a dispute with all three credit bureaus.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

I placed XXXX separate orders with XXXX XXXX a few vibe XXXX transaction was with cashapp 2nd transaction was with XXXX XXXX. The XXXX order was returned delivered and received by merchant the order was for {$89.00} which was withdrawn from my cash app. Merchant says a refund was submitted and if thats the case I would see XXXX transactions from merchant XXXX the withdrawal and a second the funds being returned I only see XXXX transaction and cash app continues to deny my dispute
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I am filing this complaint personally regarding late payments on my credit record. I sent letters addressing this issue over 30 days ago but have received no response or adequate validation. I'm now seeking your help to resolve this situation.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. 
It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD XXXX, JPMCB CARD XXXX and JPMCB CARD XXXX.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Money was deposited in my name XXXX XXXX. 
A name Given through a settlement from police that XXXX XXXX XXXX  in the city of XXXX. 
Can confirm this alias with passport records. 
Can confirm this account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX police XXXX They claim that I'm not authorized to my own account.
Consumer complaint received 2024-08-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am not liable for the debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that I am aware of my rights under the FDCPA and will take necessary legal action to ensure they are upheld.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (FL)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



Schools First Credit Union *Account only present on XXXX  inaccuracy Cares Act- Late payments XXXX, XXXXXXXX XXXX XXXX day XXXX on XXXX XXXX shows different *12 late payment inaccurate Also Schools First Credit Union Different account number Schools First Credit Union 8 late payments XXXX XXXX Account paid on time XX/XX/XXXX XXXX XXXX XXXX Also Schools First Credit Union XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX Shows 6 late payments *XXXX XXXX late payments different account number* Inaccuracy
Consumer complaint received 2024-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (AL)

We went to court and we had the receipts on transmission and how they weren't trying to cover the warranty. Basically leaving us having to get another car and still have to pay a car note on a car that wasn't working. It was ruled in our favor. today I get an alert and it's about them trying to get money that is not owed to them.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I requested a copy of my written consent and never received it. This account is also on my credit report however it has been XXXX years. This account is too old to be on my credit report. And it should not have been shared with non-affiliates and 3rd parties and non-affiliate 3rd parties without my written consent.
Consumer complaint received 2024-08-04
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: FC HoldCo LLC (FL)

To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to this matter.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (CT)

Horrible debt collection service. Will not stop calling. Every single day, multiple times. Synchrony Bank. Please get them to stop harassing me. This is EVERY single day call, weekends, nights, mornings, they do not stop. Enough is enough.

Thank you.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Caesars Rewards, Comenity My payment was due on XX/XX/XXXX. They received my payment ( via my banks online payment ) and deposited it on XX/XX/XXXX, the day that my bank shows it being deposited. 

It was deposited XXXX days early. However, they still charged me the {$40.00} late fee. When I called to complain, the agent told me they had a computer glitch that day and that it was done in error. For some odd reason, there was no interest charge associated with the late fee. 

The agent deleted the late fee charge of {$40.00}. However, he said that if my payment was late again, they would reinstate the previous late charge that was applied illegally. This whole process is beginning to stink. They were quick to blame the " computer '', but at the end, tried to blame me and threatened me with it being reinstated ( agents words ).
Consumer complaint received 2024-08-04
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: WELLS FARGO & COMPANY (TN)

I never applied for any cards with WELLS FARGO. I had a payee account opened with them in the early part of XXXX. I never authorized a credit pull in XX/XX/XXXX.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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.