davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (GA)

I was just looking at my equifax credit report and my personal information has been updated an dis correct but I have a account that needs to be Removed immediately. I have never had a card or any kind of business with these companys. I know that I have the right to a Fair and truthful credit reporting experience. I was sent a letter in the mail about this company. The information was incorrect. It had a differnt Name and account number. 

XXXX XXXX XXXX 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 2023-11-13
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. (SC)

My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft report.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On the afternoon ( around XXXX ) of XX/XX/2023, I was the victim of a scam. The scammer called from the XXXX Sheriff 's Department and he had done some up front work in that he knew I am employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He had also obtained current and previous addresses of mine. 

The scam was that I had not shown up for jury duty and that I was being charged a Failure to Appear and a XXXX XXXX XXXX charge. He told me the total cost to me would be {$2800.00} and that if I paid right away, I would see the XXXX on XXXX XXXX in one hour and half of the money would be returned to me. As fate would have it, I did miss jury duty during the pandemic and had never received a response to my emails. Also, as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I were to receive any legal charges, I could lose my job, and/or my license in an instant. I sent the money over XXXX to some Sergeant whose name now escapes me. 

I contacted Wells Fargo, where I have banked for 20 years, right away. The lady in the XXXX Department that took my call was empathic and she said she likely would have also fallen victim to this particular scam. As I have mentioned, this happened late in the day on XX/XX/XXXX. On Saturday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, indicating that Wells Fargo had completed their investigation and I would not be receiving any funds back. I filed a complaint alleging there was NO investigation of any kind. ( I have had a couple of other scams or unauthorized charges previously with Wells Fargo, and the funds were returned immediately. ) I waited over XXXX months for a response to my complaint and I have emails dated XX/XX/XXXX where I informed the Wells Fargo Enterprise Complaints Management Office ( WFECMO ) that I had tried several times via phone to contact someone who could explain all of this to me. No one from fraud or customer service helped me. Once I was told the case specialist was away from her desk. In another attempt, I spoke to a man named XXXX in the Fraud Department who was very rude, unnecessarily cold, and condescending towards me. He looked up my case and told me it had only been 5 days and that they had XXXX more days to respond. ( Recall I had already received a letter after a day and a half ). So he was basically dishonest and did not want to deal with me. 

I could not comprehend why I felt punished by Wells Fargo. They also took away my access to XXXX for a period of time. I filed a XXXX complaint escalating my first complaint, and of course, waited for another month to be told I would not be receiving any funds back. By the way, I filed a police report for the scam.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc. (IN)

there is a collection on my credit report from Summit Account Resolution for {$12.00}, XXXX from a Apartment Complex in MN. I do not have any family member in MN nor live there. I currently am a home owner in XXXX, XXXX. Someone has used my information at a apartment complex.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NY)

CREDIT MANAGEMENT IS SHOWING ON MY CREDIT REPORT AS IF I OWED XXXX XXXX  {$270.00} THIS IS NOT ACCURATE, I PAID THIS BALANCE TO XXXX  XXXX  PLEASE REMOVE THIS FROM MY CREDIT REPORT
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I was deceived into sending {$1700.00} using Venmo, across 4 separate transactions. The transactions were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This service allowed a scammer to setup the ability to receive funds. I can not get them back, I attempted to dispute but Venmo said I am not able to dispute.
Consumer complaint received 2023-04-25
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. (GA)

TransUnion is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and TransUnion failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is my second request to CFPB to help us with a loan that was submitted and in underwriting with Bank of America. Their response to our first complaint submission was that we were restricted in XXXX of XXXX  over one of us ( Married/Mortgage held together ). We were not given a reason then, but they closed our checking account. They did keep our Bank of America Mortgage and our Bank of America HELOC in place. It now has been 2 1/2 years later and we were solicited by a Bank of America loan person to lower our rate. We discussed the situation from XX/XX/year> and were told " this won't be a problem as you have existing loans with us today and we are just refinancing those existing loans ''. She also mentioned because of our excellent credit and Diamond status with Bank of America we are entitled to even a lower rate. 

We spent countless hours putting together the documentation needed for this loan and was told that everything looks good. We were also advised if we could deposit {$250000.00} in a XXXX XXXX account we would be entitled to a even lower rate. 

After not hearing back I called the Loan consultant and the underwriter and both said they have no idea what happened and Bank of America canceled our loan for no reason they could think of. 

We still have two loans with Banks
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not disputing anything on my credit report as of today. Please open my credit file up as of today please
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

I applied for an Aspire Credit Card, which was promoted as having no annual or monthly fee. After about 12 months of use of the card, Aspire apparently changed its fee structure and started charging me a $ XXXX fee, which I did not notice until today. I carried a balance on the card until paying it off in full earlier this fall, so did not notice the extra $ XXXX in charges. 

Aspire invited me several times to sign up for XXXX of statements and notices, but I prefer paper notices, so I never opted-in to XXXX 

Despite this, XXXX apparently never notified me in writing of its new fee structure. I asked when they mailed me notice of the new fee, and they told me I was sent an " email notice '' in early 2023, But if such an email was sent, I never saw it. I recieve hundreds of emails a day, so if such an email was sent, I did not see it. 

As such, I have apparently been charged $ XXXX for at least XXXX months, without notice to me or my consent to such charges. I would like to be refunded for any of these charges that were placed on my card. In a phone call with customer service, I was told that the $ XXXX maintenance fee is " automatically added '' after the card account is open for a year. I do not recall any disclosure of this escalating fee structure. 

When I called to cancel my account, the first XXXX customer service representatives told me that a request to cancel my account would take " 45 days '' or " XXXX business days '' to process, and that the $ XXXX fee would be deducted during that time. Only after I identified myself as an attorney did the customer service rep ( the XXXX one I spoke with ) agree to cancel my account more quickly, and to remove the existing {$10.00} balance ( XXXX monthly maintenance fees ). 

This undisclosed increase in fees and XXXX cancellation period seems extremely sneaky to me, and since XXXXspire markets itself as a " credit recovery '' credit card, I suspect Aspire is deliberately taking advantage of unwary consumers. I signed up for the Aspire card because I recently exited a personal bankruptcy, and Aspire was the only " XXXX XXXX XXXX credit card that did not charge monthly or annual fees.

Secretly charging a monthly fee added after XXXX XXXX feels like a bait and switch deliberatly structured to mislead consumers.
Consumer complaint received 2023-11-02
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (AZ)

XX/XX/2023 I received and offer through XXXX XXXX for an company called " Auto Pay '' for an auto loan refi at 5.99 % for 84 months. According to XXXX XXXX I had a very good chance of qualifying. The lender called me and said He has not seen anybody below 6 % in over a year. He also stated I would be above 7 %. On XXXX XXXX 's and on better business bureau 's website I found XXXX 's of similar complaints. This is a pure example of bait and switch. I asked to speak with the XXXX department and was given an invalid number. I called back and was given a different invalid number. I have a print screen of the offer and recorded phone calls.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (MI)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

Experian refuses to public records. They agreed to the terms of XXXX  back in XXXX. I have submitted to them proof that they continue to keep bankruptcy on my record that they say was verified by a third party which is inaccurate according to that party. 

They also, for whatever reason refuse to delete an account that is a legal matter. This company is a debt buyer and chose to have ligation on this account. A judgment was entered then this company broke the payment arrangement. Said company then continues to verify this information as accurate and pull hard inquiries on my report for no authorized or valid reason. Since this company lists the account as collections from over two years per the updated laws passed by Congress in the FCRA it should be deleted. 

Documents have been provided to this company via mail and electronic delivery. I submitted this information in accordance with the XXXX  agreement; also, it goes against the FCRA and FDCPA.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MI)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

This account was charged off on the following date ( XX/XX/2019 ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of the following account : COMENITY BANK/VCTRSSEC XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second 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 records 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 an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I emailed the Executives at USAA to include XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter was in good faith to ask about the equities and securities I assumed I was entitled to being that I was the holder of such. XXXX also expressed possible securities and equities fraud that have been committed and to get an understanding to why finding the Trustee who services the account was difficult. Information that im privileged towards. When XXXX  XXXX  XX/XX/XXXX came aboutfirst business day since such email. USAA executives retaliated by closing every single account I had leaving me a veteran in pain and continued suffering. I think the world and those member 's of USAA should know about this if not reconciled by XXXX  I have reached out to media.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of 20+ years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in XXXX XXXX XXXX XXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. XXXX  to around XXXX. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (IL)

I had multiple bank accounts opened in my name. US BANK contacted me saying that I owe them money from a checking account I never opened. I called the bank multiple times telling them that it was a fraudulent account opened and I never did any inquiries or opened any bank accounts with them.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.