davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (MI)

This company is reporting inaccurate information, Ive tried multiple times to have this information corrected. Lack of communication and consistently this company is have some sort of information reporting inaccurate on my credit report. I am crusted and it is hurting my credit report. 

It is multiple inaccurate information reporting as of XX/XX/2023 Please have this account and everything dealing with this company deleted. Worst experience ever.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
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.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please have the company XXXX XXXX XXXX XXXX XXXX send me a signed copy of any contract I have entered into with them. If they can not provide a signed contract that I have entered into with them, then they are acting fraudulently in attempting to collect any debt from me. Furthermore, their fraudulent activity should not be reflected on my consumer report. Their collection attempt is fraudulent in that : 1 ) I have no contract with them.

2 ) They have no proof of my handwritten signature on a contract with them.

3 ) They are acting as a collection agent and there is no debt because I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX need to immediately prove how any supposed account I had/ have with them was 'verified ' within 10 business days of this report or I will seek damages for fraudulent activity, character defamation and misrepresentation.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

I believe that I am a victim of DISCOVER Banks unfair actions and they have caused me great harm. I also believe that they are causing harm to other people as well and will continue to fight for justice and our consumer rights. All of a sudden abruptly in XX/XX/2021, my DISCOVER credit card ending in XXXX was closed because of a subpoena for legal action pending from a lawsuit where I was named as one of the defendants in a fraud investigation because of my doing business with the main target XXXX XXXX XXXX. That company has now pleaded guilty of all charges and accusations against them. I humbly requested help for DISCOVER to reconsider my accounts being reinstated. I have attached documentation from the Department of Justice identifying me and my company as a victim in this fraud case. I am not guilty, and have not been convicted of any crime. 

Ive always paid, on time, and feel that the features and benefits of these cards are highly beneficial. I am looking forward to resolving this as I truly value being a DISCOVER member and would be honored to continue to prove my value as a reliable customer to use even more products in the future. I have been a loyal DISCOVER cardholder for many years, and use it a lot monthly for my personal and business expenses for working capital that my business relies on to operate. I have never been late paying them. 

Based on these facts, If my account is not reinstated, I, the Claimant, seek damages according to applicable law, including but not limited to the loss of business operations and potential earnings because of this abrupt, untimely, and wrongful account closure. This has caused Claimants credit score to drop significantly from an Excellent to Poor rating with denials of credit and loan applications. Claimant seeks to recover its reasonable fees and costs incurred in this legal proceeding and for such other and further relief as may deem just and proper.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (SC)

This is my 6th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, 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. (NV)

inquires i dont recognize
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (IA)

Hello US BANK, i ; ve had some major fraud occur with you guys and my identity. There was a fraudulent account opened in my name and i only found out recently because something was sent to me in the mail stating i had a negative balance and a new debit card was sent to me as well. I NEVER OPENED AN ACCOUNT WITH US BANK, i called and told US Bank the same thing over the phone. i dont think i should be liable to pay back something i didnt do and ive also placed freezes on my credit and identity because i have no idea what other accounts have been opened under my name. 

Id like this account closed ASAP, its fraudulent.
Consumer complaint received 2023-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

HARD Inquiries XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the fair credit reporting act XXXX XXXX Account number xxxxxxxxxxxxx XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) Also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

The company Medical data Systems , Inc. of XXXX florida when contacted could n't provide any information or bill to show that I actually owed a debt. When I asked for the confirmation of the debt they responded that they did n't have the information and even without the information to confirm the existence of a debt they refused to remove it from my credit report. 

I called and talked with a representative, a supervisor and the both of them refused and could not provide information on the debt. They just stated it was valid. I asked for a copy of the debt and they said they did n't have it. they both also stated that they could n't nor would not remove the information from my credit report. 

They have neither the information of who owes the debt not can they provide a copy of it saying I actually owe it. 

6 phone calls were made on XXXX XXXX, 2017
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (HI)

I contacted a representative at Fortiva concerning waiving a late fee last month. They said they would process it. They processed it as though it was for a month where I did not incur a late fee so instead I still had to pay the late fee. It caused an unexpected financial hardship, so I opted to prioritize more pressing bills this following month. I contacted their " help '' line today and asked if I could speak with a supervisor so I could close my account without paying the fees they claim they waived, but they would not allow me to. They stated " I can help you with this issue, '' " I can submit a request for a late fee waiver, but it's subject to a different department 's approval '', " We already properly processed the other late fee, so you can not have a waiver, '' instead of transferring me to someone competent who could properly do as I requested. If a company does not actually follow through on what they promise their customers, naturally no one would want to retain a card with them, so that's why I am trying to close my account with them. It shouldn't be that hard for them to allow me to pay the full amount I owe plus interest and waive any extra fees. Please never sign up for a card with them. This plus their annual fee and monthly " account maintenance '' fees have made this the most unnecessary card to have in my wallet.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

A fraudulent invoice was sent to me through XXXX  This triggered an official email from XXXX  to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through XXXXXXXX XXXX XXXX XXXX  I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the XXXX mobile app ( card issued by XXXX XXXX  ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other mobile cash apps. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. {$500.00} total was sent through XXXX XXXX XXXX  on the chase mobile app which directly came from my account. {$740.00} total was sent through XXXX for the XXXX XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have recently found that I was the victim of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. I then obtained my credit reports and have found the following inaccurate information which I demand be immediately removed from my credit reports. 
Creditor : XXXX XXXX Account Numbers : XXXX Balance : {>= $1,000,000} Balance : {>= $1,000,000} Balance : $ Status : Past Due XXXX/XXXX/XXXX This information is inaccurate and false. These balances are the result of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. Upon realizing this I immediately contacted local law enforcement officials and they completed a police report. I have attached a copy of the police report from the XXXX XXXX Police Department XXXX XXXX XXXX for your review. XXXX XXXX has suggested you call him if needed at 717-274-Therefore, I demand that these accounts be removed from my credit immediately
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (GA)

I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (PA)

See previous disputes for scam details. 

Wells fargo continues to refuse to do the ethical thing and waive this transaction. 

Their own employee over the phone and im sure on a recorded line said this was a scam. 

When I originally offered to settle ( this has been impacting my credit while trying to resolve ) I was ran through an idc calculator. The collections agent persuaded me to answer one of the questions differently than what I had originally answered. This caused me to be denied a settlement. This is illegal and will also have been recorded. I had said I am willing to pay everything. The only thing I am asking to settle on is the interest accrued while trying to resolve this. The collections agent told me if I don't pay the whole thing they will just sell the debt to a collections agency and write off the lost money in their taxes. This is irresponsible lending. 

At this point I liquidated my IRA to cover the 2 legit charges and the {$3600.00} double charge and paid those balances. I have a remaining balance of the interest accrued because this is destroying my perfect credit. 

They agreed to waive my late fees but this is not enough. There are {$5000.00} in interest and scam charges on my account. I refuse to believe it is this easy for someone to rob somebody and get away with it. 

I will continue fighting this every single day.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the last week I had an approved loan with Bank of America with terms of APR of 5.39 % Nothing changed through the process, I was sent an electronic signature and signed everything but right after, I realized they had changed the APR to 6.39 % No one mentioned it beforehand, XXXX at bofa isnt returning my emails about it, I called and talked to someone not involved, they said it went up due to needing more money. 
They changed the rate without mentioning it hoping I wouldnt notice. Bait and switch The lady on the phone will not honor the original terms Because I had been approved at that rate, I did not explore other options, now I am supposed to have the paperwork for a XXXX by today so Im sort of out of options I got tricked
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I send a certified letter to Comenity Bank regarding credit reporting issue. In that letter I requested the bank to update/correct incorrectly reported information regarding credit card payments. 

In XX/XX/XXXX I entered a payment arrangement/hardship program. The contract required three consecutive on-time payments for the account to be reported current. I committed to this program for 1 year with ALL on-time payments. 

As I started to work on my credit report, I noticed late payments for ALL Comety credit cards ( XXXX, XXXX 's and Victoria Secret ), specifically during the " contracted '' period. 
I feel I have met the requirements of the program, therefore I should not be penalize for late payments. 

Most recently, I signed up for a credit card from XXXX & XXXX  ( managed by Comety ). A payment was schedule, however an innocent typo on the checking account blocked my account from accessing funds or online usage. The same account is used to make payments online with other products ( XXXX, etc. ) and never had that problem. Could they come up with linking accounts to avoid this troublesome problem of mistyping account numbers? 
I contacted customer service on Friday XX/XX/XXXX from Ms. XXXX and Ms. XXXX both were not able to address my concerns regarding waiving fees and reactivating online access.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX Citibank Preferred Mastercard ( ending in XXXX ) cancelled. 
XX/XX/XXXX {$10000.00} deposited in Citibank ( XXXX XXXX XXXX, XXXX XXXX, CA ). 
XX/XX/XXXX Used credit cards, told card was delicined, called bank, told account had funds. Told Citibank Master card was cancelled and that automatically forfits my Thank You Points ( XXXX, XXXX ). 
Told that credit card would be reinstated. 
Card never reinstated. Wrote to Citi Card Customer Service po box XXXXXXXX XXXX XXXX XXXXXXXX multiple times in XX/XX/XXXX, again in XXXX and again in XXXX. Told by cusomter service I would get Thank You points back and they saw error that card canceled same day deposit was made. Then told card could " not '' be reinstated. Sent over 12+ letters, made multiple phone calls, left messages, spoke with numerous Citi Bank people who escalated this, never got call back. Balance at Citibank mantained same as in XXXX, sent one final letter XX/XX/XXXX, no reponse. I am XXXX XXXX XXXX, COVID lockdown in CA was going on XX/XX/XXXX - told that I would get my hard earned Thank You points back ( {$700.00} value ). Branch manager verified that Citibank credit card made the mistake, and I was told my card would be re-instated and encouraged me to persue this. She told me bank is seperate from credit card so I belive I have done everyting possible and I am sill NOT happy and need to have my Thank You points given back to me. That is why I had that credit card and what they did to me is elder abuse. I would like your help. Thank you.