davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness. 

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file. 


Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and anxiety, and I believe it is imperative for your company to take immediate and effective action to rectify this matter. 

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities. 

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (AR)

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NC)

PLEASE Reference complaint ID numbers : XXXX and XXXX FOR THIS INQUIRY Wellls Fargo sent a check to resolve complaint ID 'S above, This is unacceptable and I do not accept their resolution. Please see attachments! Check will not be cashed. 

Thank you!
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc. ()

USD XXXX XXXX was sent from XXXX XXXX to Bitstamp for XXXX XXXX. 

Since XXXX XX/XX/2023 my USD XXXX XXXX has not been released or allocated to my Bitstamp XXXX XXXX account. 

I have followed up with support since I saw my funds not clearing in my account, but they kept on indicating that it takes 3 - 5 business days to clear. 
( In the past the funds cleared the same day, always ). After 5 business days, I kept on following up and they did not have an answer for this, just kept on saying they were investigating the matter. ( Ticket number : XXXX ) Then my ticket was referred to complaints. 
Eventually, complaints confirmed that it is their normal XXXX policy and they can not divulge any further information. 
This has been the answer for the past 6 weeks now. 

When I follow up now, there is no answer and my money is nowhere to be found. 
The support and Complaints department is keeping quiet and I fear the worst now. 

Please assist me with this.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

CitiBank does not train its support personnel. They exploit overseas labor and do not train them. As a result, I just spent 47 minutes on the phone, during which my call was transferred 4 times, just to find the 5th person also was ignorant of the fact that the Citi AAdvantage card is not eligible for use with XXXX XXXX.
Consumer complaint received 2022-12-19
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

Ulta Comenity credit card says I did not have auto pay on and I did so they charged me XXXX I called and the attendant said she would take off the XXXX now after putting auto pay on they said it was not on again and charging another XXXX asking these are both removed
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

18 USC 8 states the U.S is responsible for All Debts. Why then are these agencies fraudulently reporting debt against me without written consent? Every company I did business with has an XXXX # and everyone of these companies has me listed as an employee up under there companies why then am I not receiving remittance wires of my securities interest coupons to my TDA accounts? These companies with there Zero percent certificate of Indebtedness is why these securities fraud continues. Only the original creditor can make you pay but when the servicing rights are transferred no payment are dues in accordance with the law. This is a violation of the Securities Act, breach of fiduciary duties federal reserve act 29.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

My BF took my debit card and my phone on XX/XX/XXXX without my knowledge because I was not home at the time because I was at my neighbors house. 

When I realized he had my debit card I went on the app of my spare phone and changed my pin and locked the card. 

He withdrew XXXX, XXXX, XXXX, XXXX, on XX/XX/XXXX and XX/XX/XXXX. 

I cancelled my card and had a new one issued. I disputed the transactions with chime because it was not me and it was unauthorized. 

Chime originally gave me a provisional credit on XX/XX/XXXX but revoked it on XX/XX/XXXX. I gave chime my feedback that they came to the wrong conclusion and that I notified them of the suspicious activity and cancelled my card and they could care less.

I know this is not a lot of money to some but it is to me. I feel chime should credit this to my account.

This activity took place in a location where I was not and my phone call to chime and my attemps to change my acct info should reflect this in the IP address.
Consumer complaint received 2023-11-20
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (TX)

Vehicle 's that have gone through Court to have me removed from them- are still showing up on my credit- when I was told by a Judge that all 3 of the vehicles that I was on with XXXX XXXX XXXX have been removed- due to Fraud committed by Him with his company-
Consumer complaint received 2023-11-20
Product: Credit 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: GOLDMAN SACHS BANK USA (HI)

On XXXX XX/XX/2023, I financed a purchase of ( XXXX ) items with XXXX for the following prices : XXXX - 11-inch Ipad Pro Wi-Fi + Cellular 256GB- Space Gray XXXX - Magic Keyboard XXXX - Apple Pencil XXXX - Apple Gift Card XXXX - AppleCare for XXXX XXXX I selected same day delivery via courier services, which stated I would receive my order by XXXX that same day. I received a notification that the order was picked up and was en-route to being delivered. The order did not arrive by the stated time, so I checked the tracking information which showed the gps location of the courier still near the XXXX XXXX, and stayed there for a few hours, to which the order was then marked as undeliverable due to " the address being not being found '', despite the courier never making an attempt. 
I contacted XXXX XXXX via their support chat regarding this issue on XXXX XX/XX/2023. The support person verified that the order was marked as undeliverable. I asked how I would be able to pick up my order, which they stated I was required to make a new order, since the previous one would be canceled as it was undeliverable. I then created a new order and purchased it via debit card instead of financing. I picked up that order the next day. 
I contacted XXXX XXXX on XXXX XX/XX/2023 to inquire about why the canceled financed portion was still showing on the account and then opened a dispute for all ( 5 ) items mentioned above. I spoke with an XXXX support agent and a XXXX XXXX representative on a three way call to facilitate this dispute. All five charges were temporarily reversed and a temporary credit applied to my account. 
On XXXX XX/XX/2023, I checked the status of the order again to retrieve the tracking information. The order was removed from my account history, I had to retrieve the order number from my email records. Using the order number, I saw the tracking information had been deliberately changed to show that the order was delivered. I contacted XXXX XXXX via chat from XXXX to XXXX to request clarification on why this happened. I provided the order number for the original order that was cancelled, and the second one which I picked up. I had extreme difficulty communicating with the support agent despite clearly stating that I wanted the tracking number for the original order, clarification on why the cancelled order now showed as delivered, and the current website for XXXX  tracking. 
The XXXX website displays a static page stating that Oops something went wrong which has not changed for weeks. I asked the XXXX support agent for the direct website to the tracking website which they did not provide despite multiple requests. They did not provide proof of delivery. 
On XXXX XX/XX/2023, all five temporary credits were removed and I was charged again for all ( 5 ) items. 

I have the order numbers for each order and will provide them upon request.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MT)

I had a balance on the card -I use infrequently and last used when I went back to the US XXXX live in XXXX now ). I did forgot to pay one month but then paid entire charge put on bill the next month ( when I got reminder and remembered I had a balance ). But then after I paid in full I had a small balance. I thought it was error and didnt pay- since I had not used the card. It didnt go away so I contacted them and they said it was interest. I asked on what- that I had paid my balance in full and when I checked last it was XXXX ( prior to this charge showing up ). They wont accept calls in XXXX ( say they cant answer the phone ) and I was getting no where with the person on line. So I gave up and paid the charge ( XX/XX/2023 ). We are talking less than a XXXX XXXX  charge and I make XXXX and year and have XXXX in savings so its not a money issue. The charge makes no sense. Checked after I paid a few time and had a XXXX balance. Then this month I have got a bother charge for less than XXXX $ yet I have not used the card for purchase since XXXX. And paid that balance in full in XXXX. I refuse to waste more time online with someone who does not seem to grasp I cant get an interest charge when I have had a XXXX balance since XXXX. It makes no sense and XXXX refusing to pay this charge. I have read online this is not an uncommon problem with AE cards.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying Transunion,   XXXX   and   XXXX   that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal  duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; 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 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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-20
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. (CA)

After disputing the following fraudulent inquiries directly with Equifax. 

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 These inquiries are fraudulent. And after making Equifax aware of this with a copy of my police report. They replied stating the inquiries are factual, which is a lie. These inquiries are completely fraudulent!
Consumer complaint received 2023-11-20
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (TX)

On XX/XX/XXXX I received a call From my local county that if I was going to be home because I was going to say be served papers and I was like what's going on and I go out I don't know what's going on on my could know that's why I'm asking and they gave me a number to call which is XXXX they said I owed a debit collection from XXXX that they called XXXX XXXX and they were suing me for XXXX I was like what all I remember is I do XXXX XXXX XXXX in XX/XX/XXXX I was going through some things and I was couldn't afford it so he went to collections and all i owe is XXXX. This person 's name Lewis , McDonnell & associates Babe clean to be a law office in my file number is XXXX - TX - XXXX and I gave them a {$150.00} from my prepaid card to find out that when I looked up there address it was a ups store in XXXX XXXX ca and there is no such thing as Lewis, McDonnell hassociates. There is a XXXX XXXX in California because I emailed one of the workers and I sent them the paperwork and that they said that it didn't look right and they've never heard of Lewis McDonnell associates I also went as far as calling my county and I gave them the number and they said that I did need to worry about it because it was a scam and I also called my sheriff 's office and they told me it was a scam because I told him that they I docked me everything because Lewis mcdonnell and associate said that's how they do it. I even called them and asked where are they located in they'd said I do at at there's no need to worry about it because they were a legit company so every time I ask they never told me I also have the email they sent me 2 I doc just in case I need it for proof I want them to be stopped and I looked and I read that people have complainants on many red flags on them I would like them to stop harassing me