davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

In XXXX I applied for mortgage financing to Purchase a home. I was notified by the mortgage broker that one of 3 credit agencies : Equifax returned a fraud alert. Equifax attached my social security number to someone else 's name. I called Equifax and was told to mail copies of my license and SS card. This was mailed and received by Equifax ( see attached tracking info ) on  XX/XX/20. I have been calling frequently, sometimes daily to try and rectify the issue but Equifax can not /will not confirm they have received my information. On one occasion i was given a fax # to send the same information. I asked to speak to a supervisor or someone who could acknowledge their reciept. I was transferred to the mixed file unit. They told me my only recourse was to mail my information in and " once received '' they would review it. When questioned, they stated they had no ability to receive faxed information. After hanging I called back and asked for the fax #. I was promptly given the fax #. My information and explanation letter ( attached ) was faxed to Equifax on XX/XX/20. As of today XX/XX/20 they still claim they have no information on me. I also received a letter from Equifax dated XX/XX/20 ( attached ) that states they have no credit information on me. This contradicts the information from the mortgage company and earlier conversations with Equifax. I am nervous because i have mailed and faxed my Social Security Card, Driver 's license and Passport to this agency and they have no record of it. I have no idea who may have my information now. As of today the focus of the call was my lack of identity ( i.e. no credit history ) rather than my SS # being associated with another person. When I asked how long it will take to update my record once they receive my information went quiet and did not respond to the question. They constantly run me in circles telling me they can't do anything without documents, yet can offer no help to facilitate the acknowledgment of receipt. 

In the meantime, I have called XXXX XXXX to see if i can get them to push my credit card history to Equifax to see if that will have some effect. That will be another XXXX business days. It appears my chance to purchase my first home will not be possible. 

Please note : The last XXXX digits of my SS # changes every time I enter in your system so it is likely not correct in the box you asked me to enter it in.
Consumer complaint received 2020-08-08
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: U.S. BANCORP (CA)

My credit cards and debit cards were used for cash advances at XXXX XXXX in XXXX ca for over XXXX. U.S. Bank will not look further into the transactions because they state the embargo chip was present during purchase. 
My cards are unsigned and voided and the merchant still took them against VISA regulation 1.4.3.4. I spoke to the merchant and even did a test transaction with a someone elses id, and signed no and they still gave me XXXX dollars. Blatant negligence in protecting the consumer.
Consumer complaint received 2020-08-08
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. (IL)

Equifax is allowing a fraudulent account to remain on my credit report. I have submitted all of the required documentation to support the fact that the account is fraudulent. I have also contacted the company XXXX XXXX XXXX XXXX who told me that have no record of the account. I asked Equifax who told me that XXXX has verified the account and I asked them to send me information or provide documentation of the verification, Equifax representative told me they do not required XXXX to provide anything, and that they simply verify by giving Equifax there word that the account is verified. Equifax has not investigated this at all.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NJ)

I have disputed a credit card account opened fraudulently with citi bank. I have requested information from them in regards to the original contract, wet ink signature, etc. they have not sent me any findings nor any documentation after 10 disputes. I was under the age of XXXX when someone used the card to buy alcohol and many other things. Citi bank keeps returning my disputes as no issues with credit report and the debt belongs to me. I can not buy a home because of this and I am currently XXXX.
Consumer complaint received 2020-06-16
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2020-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (TX)

I purchased a vehicle and financed through BMW. The payment is on auto-pay via my bank. I have sent in additional funds to pay down the principal ; there is not a penalty for doing so. However, instead of immediately applying the additional funds to the principal in order to keep from accruing the daily interest, the company is placing the additional funds on hold towards a future payment. I called the company and the finance officer told me they are doing this to help me out, just in case I am not able to make a future payment. As stated, the payment is auto-paid. He indicated that the additional funds will be applied to the principal if I go in and request a pay-off quote, the date of the request will reflect the application of the additional payments towards the principal. I feel this is a scam and unethical. I am paying the payment in full and sending in additional funds to be applied to the principal. Instead of immediately applying the additional funds to the principal, they are sitting on the funds, while the account continues to accrue daily interest. 

IF they insist that the account is not accruing additional interest, then make it so that the additional funds paid ( beyond the payment due ) are immediately applied and not held towards a future payment. I am only required to make XXXX monthly payment. Beyond that, any additional funds submitted should be immediately applied to the principal. Who are they to manage my finances and place funds on hold to determine whether a future payment will / won't be made. They payments are on auto-pay. They will receive their monthly payment. The manner in which they are managing my account is unethical. I'm really surprised to have this experience with this company. I thought BMW was above this type of consumer abuse. Particularly since I feel I have been a loyal customer. BMW is/was my brand. 

This is a major company. I do not understand why the need to play games with consumers.
Consumer complaint received 2020-08-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-16
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. (AR)

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

The company that keeps reporting on my credit monthly like I owe them a utility bill currently which is killing my credit score and I have not lived in Iowa in over seven years so the reporting time is incorrect because this bill has been on my credit longer than seven years and they keep selling my information to another collection agency and then they start over from scratch again I find that to be illegal and unlawful to keep messing up someones credit for utility peel that Im telling them I did not have. The landlord who is staying there at the time is now deceased so I cant rectify why utilities were still on in my name at the time that I was not living in the unit
Consumer complaint received 2020-08-08
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: Bread Financial Holdings, Inc. (GA)

I have a loan with CCB/XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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: Bread Financial Holdings, Inc. (GA)

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-16
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2020-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a loan with BK OF AMER, XXXX XXXX XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BK OF AMER, XXXX XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ), and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ), and CAPITAL ONE with no XXXXful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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: Carter-Young, Inc. (GA)

I have a loan with XXXX, XXXX XXXX, and CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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: WELLS FARGO & COMPANY (PA)

I have a loan with WELLS FARGO BANK CAR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and WELLS FARGO BANK CAR with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (MA)

I received a notice that my credit card limit had been decreased although Ive been making payments every month that ARE MORE than the minimum payment. 

They claimed it was because I have something on my credit that is delinquent. The issue is I cant see what the account is thats reporting delinquent. Im in the process of trying to figure out what the account is. 

I did not ask for this decrease and its is unfair when I have paid back this card every month. 

Yet when I asked for an increase before this Ive always been denied. 

I also thought that during Covid-19 companies were not altering credit profiles? 

How can I have them restore my credit limit
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (CA)

I settled a debt collections account with Midwest Recovery Systems on XX/XX/2020 for {$670.00} for an account that originated from XXXX. I received confirmation that the debt was settled and that a deletion would occur. All of my credit reports were updated relatively quickly, and were all removed fairly quickly. However, as of today, XX/XX/2020, this collections account has reappeared on my XXXX report. This account needs to be removed ASAP. I am upset that it was removed and then reestablished on my credit report. This is probably the 5th or so issue I have had with MRS. Each time they continue to mess up my credit with either putting debts that are well over 10 years old on my credit, and now putting new collections on my credit profile that have already been paid. I have attached a redacted transaction of my bank account with the payment authorization and clearance. The letter of deletion I received from MRS via email. As well as a copy of XXXX credit report indicating that MRS updated my credit profile on XX/XX/2020 to re-add this collections.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

after having my debit card cancelled the boa bank of america let visa notify XXXX computers my new debit card number and they should not be allowed ( visa ) to give out your new debit card to anyone, without permission. This is an illegal transaction why get a new debit card if the credit card visa is going to just give it out. This should not happen.
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have repeatedly filed disputes with Santander for inaccurate reporting of this debt. 

The car was repossessed by Santander in XXXX and sold at auction by Santander in early XXXX. 

Santander is incorrectly reporting that the account is currently no being paid it reports 72 charge offs. 

Unfortunately I cant access the paperwork showing the repo date because all of my paperwork with them was electronic.
Consumer complaint received 2020-08-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- Speedy Cash Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (CA)

In XX/XX/2020, I product changed my two credit cards with US Bank to different products and a month later I noticed that US Bank reported the recently product changed cards to XXXX as separate accounts which made my report show four US Bank accounts even though I only have two accounts with US Bank, after a series of failed disputes with XXXX my report is currently showing two US Bank accounts that represent the same account as the old and new product while the second account disappeared completely from my report. I am attaching a screenshot of my current report which is showing the same account listed twice. 

To illustrate the current account ending in XXXX was product changed and used to end in XXXX and both are showing separately on XXXX even though XXXX shouldn't. The second account ending in XXXX is not being reported which it should.
Consumer complaint received 2020-08-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX National Credit Adjuster Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX The Receivable Management Original Creditor- XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$150.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX XXXX XXXX