davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
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. (CA)

My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.
Consumer complaint received 2020-06-13
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)

My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Two weeks ago I was going to pay for dinner and realized I did not have my Capital One Credit Card. I logged onto Capital One and realized I had fraudulent charges : XX/XX/XXXX - XXXX  for {$200.00} ; XX/XX/XXXX Wal Mart for {$110.00} ; XX/XX/XXXX XXXX XXXX for {$230.00} ; XX/XX/XXXX Wal Mart for {$200.00} ; and XX/XX/XXXX XXXX XXXX XXXX XXXXor {$38.00} for a total of {$790.00}. When I called Capital One two weeks ago, I reported that my card was missing and that someone had made the above fraudulent charges. Initially Capital One credited my account. They then sent me a new card. I was told by Capital One that their investigation would take about two weeks. Today is two weeks. When I checked my card online, Capital One had reversed those charges and added those charges back to my account. Today, I called Capital One back to ask why and was transferred to three different people The last person I spoke to said that I needed to show them proof. What is more proof that someone took my credit card and made those fraudulent charges. I am not responsible for those charges. Capital One is giving me a run around. As soon as I realized my credit card was missing, I called Capital One to report it.
Consumer complaint received 2020-04-14
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. (GA)

Equifax is still reporting a fraudulent account with " XXXX XXXX XXXX XXXX   '' acct # XXXX. This account was unable to be validated and I received documentation it was removed from my credit report ; however the account is still reflecting on my Equifax report.
Consumer complaint received 2023-01-06
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: Affirm Holdings, Inc (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that 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 an open-end consumer credit plan as late for any purpose. XXXX account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, Affirm Inc Acct XXXX XXXX, XXXX  XXXX Account # XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (VA)

I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements
Consumer complaint received 2020-04-13
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: ID Analytics, Inc. (OH)

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX   XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Consumer complaint received 2020-06-13
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: TD BANK US HOLDING COMPANY (CA)

I had my wallet taken and filed a police report. I did not know how to dispute information the right way. I finally received correct information and sent it to all three credit bureaus and all creditors. And it still remains on my file. They will not remove incorrect addresses and incorrect variations of names. This person or persons have been ruining my name for over 15 yrs I pay my bills and they go out and continue to apply and receive goods not authorized by me. I had my taxes taken every year and had to go to child support and get a refund judge gave judicial clearance because he put a warrant out she got sec 8 and all and I can not get my credit in order. They need to remove the items that do kit belong to me.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

I was approved for XXXX XXXX XXXX  Credit Cards in XXXX and XXXX. I fulfilled all the terms of the offer and received my bonus miles in my XXXX  account. Soon after this, XXXX  terminated my account and confiscated those miles citing " accrual of ineligible XXXX  miles and benefits ''. They also claim " These actions specifically involve abuse of the XXXX  XXXX  through gaming behavior, used to circumvent the Citibank/XXXX card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/XXXX card promotional bonus offer terms and conditions, as well as at the top of each application page. '' However none of the card I applied for contained this language. When I called Citi directly they told me that I need to talk to XXXX XXXX ; however, when I call XXXX XXXX they won't listen when I tell them that I fulfilled the terms of the offers correctly. I would like Citi to either provide me with a monetary equivalent of the miles that were confiscated or work with XXXX to reinstate my account and miles. My XXXX  account number is XXXX. 

Thanks, XXXX
Consumer complaint received 2023-01-06
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. (IL)

ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys 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 XXXXXX/XX/2022 all these are fraud and should be
Consumer complaint received 2020-04-13
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: Innovis (OH)

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Consumer complaint received 2023-01-06
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I have requested Equifax, in the past 4 months on 3 separate occasions, beginning XX/XX/2021, for an unverifiable collection ( no creditor name, no collection company name ) you simply can not verify this account, to be removed. It has been 4 months, it's still on my credit report. Ive attached a screen shoot of the collection, and all the letters Ive sent Equifax. Not to mention they keep re-aging the account. which is illegal.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid 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: FIRST NATIONAL BANK OF OMAHA (CA)

at the day XX/XX/2020 someone purchased gas on XXXX gas station XXXX in amount {$58.00} on day XX/XX/2020 also purchase in XXXX # XXXX XXXX XXXX AZ in amount {$950.00} Both those purchases I didn't made because I am located in XXXX XXXX and I never moved from XXXX XXXX or even travel over the country. 
I noticed those purchases on my credit card online banking and I called credit card company First National Bank of Omaha, immediately I have seen those fraud /charges. 
They told me that they will do investigation and send to me new card. They did send me new card and in same time fraud department send me denial letter signed by XXXX XXXX ( XXXX ) XXXX I called back and spoke with XXXX regards my claim denial. He was very rood and unprofessional and said that ether me or someone else from my household used card. 
That is not true all my purchases was in XXXX XXXX, actually only one XXXX XXXX XXXX  in XXXX XXXX in amount {$33.00} and I paid that amount
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have autopayment set up for the last full balance. It only did the minimum and the chat specialist said it was a glitch and I need to call and talk to a supervisor. But I can't get a hold of them by phone.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (UT)

There was an escrow disbursement on XX/XX/2020 for {$2400.00} that was never sent to the insurance company because the policy was canceled. The check was never disbursed back into my escrow account which created an escrow shortage. My monthly payment immediately increased almost {$200.00} to XXXX. I called AmeriHome ( XX/XX/2020 ) and asked for the check to be redistributed back into my account, so my payment would adjust. The representative said he didn't understand and hung up on me. This happened twice on XX/XX/2020.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a savings account with {$800.00} dollars. The bank charged me a {$120.00} management fee. I told them that was egregious and it should be lower. They said there is nothing they could do about it. That's to cover their cost.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The Credit reports from the three predominant credit report institutions have been systematically and consistently reporting that I have have serious delinquencies affecting substantially my credit record and my ability to find low interest rates on credit cards, student loans, car loans mortgages. 
I have been continuously paying my debts since XX/XX/XXXX and this has not been reflected on my credit record/history because of this. 
Last year I found out I had a {$37.00} apparent unpaid medical bill since XXXX which I not only did not know it existed and once I found out ( because It was reflected on my credit report ), I decided to pay it even though I thought It was a fraudulent bill. 
The question to ask these three cold heart credit report institutions is that if they feel {$37.00} is a serious delinquency? 
And worst of all is that these cold heart institutions will keep reporting for seven years this {$37.00} as a serious delinquency even though is has been paid off. 
I believe, a law should be passed to ban these credit report institutions from reporting as serious or even plain delinquencies amounts below {$100.00} or a sum considered irrelevant. I will write today a letter to my district congresswoman to start a campaign against these and other harmful policies and practices and have the US Congress review these credit report institutions to obligated them to have fair and reasonable practices and policies. It seems to me, no government institutions supervise and controls these institutions, if the can be called institutions. 
Nobody is a delinquent for having a {$37.00} record or {$100.00} or {$1000.00} on their report, is not a crime, a delinquent is a person that has transgressed the law, its illegal to call somebody a delinquent for an unpaid bill. This is unacceptable. 
These institutions have to do their home work to establish once received a report specially from collection agencies if the report is fraudulent or not, it seems these institutions only collect information and sell it as is, they have not adopted controls over the information received or at least, get in contact with the affected consumer to check if its a fraudulent record. These institutions could well be just a computer since they do nothing but collect information and sell if, they don't care about the consumers. 
XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I assume due in part to the Covid-19 Epidemic, Citibank has closed my Citi " Thank you '' Master Card and Citi " Costco '' Visa credit card. They are not willing to assist with deferments and are also reporting the month of XX/XX/2020 as being late. 

I called on XX/XX/XXXX and was informed they would investigate. They sent a letter stating that simply they are not able to correct or open my credit card accounts after closing them. They said they would not offer me any assistance because the accounts were closed status. They would not open the accounts, and would not give me good reason, yet they also said I should request such matters through a credit reporting agency, as in XXXX. 

Today I check the status of my credit card on my CBR and called Citibank regarding my Card # XXXX. Citibank informed me that they were not willing to assist with reporting flags as related to the natural disaster as they were not the credit reporting bureau. It has been a circular push from Citibank to send me to the CBR and the CBR is saying they simply reflect what Citibank is informing them. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. However Citibank is not. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to  contact their lenders and reach an accommodation. Citibank does not accommodate even during a global Pandemic.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TN)

I have numerous store credit cards through Comenity Bank. I don't have the best credit score, but I make my payments on time every month and have been trying to pay down the balances and making some progress in this regard. Over the past week, I've been flooded with emails from Comenity Bank saying that upon " review '' of my accounts they were lowering my credit limit. They lowered these cards to just above the balance that I owe. And one card that I had paid off, they just went ahead and closed. This has impacted my overall balance-to-limit ratio, or utilization rate, which will negatively impact my credit score as it now looks like I've maxed out all the cards I've been actually working hard to pay down. Here are the cards with decreased limits : Wayfair, XXXX, XXXX, XXXX, XXXX XXXX. This is the card they closed out because I had a {$0.00} balance : XXXX XXXX. As I said, I make payments on time on these accounts always. It appears obvious to me that this action has been taken due to Comenity 's fears of nonpayment during the coronavirus epidemic. This seems to be an unfair and unethical practice to me because my already less-than-stellar credit score is going to go down even further because they've lowered all these limits and closed account ( s ). From looking at chat message boards, this is happening to a lot of Comenity 's customers. I tried to call to express my concerns but the agent had no information, just reading from a script.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom it may concern, On XX/XX/2020 I got a message from credit karma about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my transunion, XXXX and XXXX. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( XXXX ) XXXX