davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (AK)

I was shocked when I reviewed my credit report and found 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-02-05
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 — Their investigation did not fix an error on your report
Company: Credit Karma (IN)

I recently recieved a report from experian stating my report had been " fixed '' i dont know how i couldnt get info needed over phone and wasnt able yet to send verifacation requested to obtain needed info. It has address still never resided at phone number dont recognize im puzzled how they " fixed problem '' without input or " info '' from me dont know who provided or " corrected info. Its not corrected and i will try contact experian but will also mail disputes. Very odd and also Credit Karma had account opened XX/XX/2020 with email not mine credit checks ran monthly sometines several times got still getting XXXX XXXXXXXX " pre '' approved offers dont want but lost access to email trying to resolve with credit karma and find out who opened account with my name but not my email. Been ill hospital etc but also documents stolen etc reported police. Been over year since ordering reports id theft tax returns personal docs stolen out vehicle. Discoved recently key copy made im pretty certain without permission. Phone XXXX multiple and ongoing dispute false accusations no security personal devices admint retail demo developer call redirect no help resolving XXXX or XXXX gotten worse. But will contact credit Karma again new email and XXXX on how or who provided " corrected info '' or verification to " fix report not fixed and very bizarre. My id theft reports after filing and cybercrime fbi etc before gettingbanswers email phone charge jacks burnt up etc.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an email on Monday, XX/XX/2020 at XXXX XXXX  that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trades Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

Online Information Services, a debt collection company, sent a notice on XX/XX/XXXX that we owed {$3900.00} in back charges from an account with XXXX XXXX XXXX. We called XXXX XXXX on XX/XX/XXXX with the account number provided and they confirmed there was an account opened in our name and social security number but with an address we never lived at. The dates were XX/XX/XXXX to XX/XX/XXXX. We requested the debt be collected from the address on file but they would not discharge it without proof we lived at a different address during those dates.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX  XXXX  reported a debt on my current transunion/XXXX   report. I sent transunion the documentation and spoke to XXXX  on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Equifax is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Consumer complaint received 2023-02-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXX XXXX XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fig Tech Inc. (TX)

I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FIG TECH INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NC)

This complaint is for XXXX XXXX XXXX. Experian.com will not take off several fraudulent accounts on his credit report. There was also an social security number ending in XXXX. My husband 's last XXXX are XXXX. He also has several credit cards that's he's on the accounts, that Experian won't list. XXXX
Consumer complaint received 2020-03-07
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: National Credit Adjusters, LLC (OH)

National credit adjusters have put 2 new accounts on all 3 of mt credit reports for collection with XXXX  XXXX. I have never or will i ever have any account with XXXX  XXXX this is the second time national credit adjusters gave done this. This is identity theft i want these accounts removed from all 3 credit reports immediately
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-03-07
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. (FL)

I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, XXXX   and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of 18.8 gallons to fill up a XXXX XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the Metter resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with 2.5T GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you
Consumer complaint received 2020-03-07
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. (FL)

I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED Equifax, XXXX   and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-05-25
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)

I have reported these inquiries to XXXX Who insisted that the addresses listed in my pdf warning letter to them were valid even though they are not legitimate addresses Nor do they belong to me One of the address doesnt even exist yet they continue to allow it to negatively impact my credit profile while attached to fraudulent debts
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NE)

I have two different companies trying to collect the same debts that I supposedly owe. The first company, Sequium, contacted me via email on XX/XX/XXXX, and failed the validate the debt when I requested it. They emailed me again today, XX/XX/XXXX, with a settlement amount for a debt that still hasnt been validated. The second company, XXXX XXXX XXXX, randomly sent me an email on XX/XX/XXXX for the same supposed debt, has never contacted me before, provided zero information about said debt, and did not include any information on my rights to dispute said debt.
Consumer complaint received 2021-02-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (VA)

The name of the Company is XXXX XXXX XXXX the amount they claim is owed is {$10000.00} My name is XXXX XXXX the account number only shows up on partial # XXXX my social security number is XXXX, address is XXXX XXXX XXXX XXXX Virginia XXXX Va XXXX
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ingo Money, Inc. (CT)

Ingo Money replied to a prior complaint regarding a transaction in the amount of {$1000.00} on or around XX/XX/XXXX. I deposited a check in this amount on said date, they list the amount as {$1300.00} which is incorrect. As explained in prior CFPB complaint, I chose ten day waiting period which would make funds available on XX/XX/XXXX. Due to a sudden emergency, I needed to cash check prior to ten day period, took check to XXXX XXXX XXXX branch which is bank whom funds are drawn from, cashed it in person. Ingo rep stated my account is in collections when the check was not cashed twice as she implied, funds wee not credited to my account and it shows check as cashed in their app and funds not credited to account. It appears they refuse to remove block on account even when I did not receive funds in account deposited to.. A message was left for a manger, no call back. As far as I aware, I do not owe Ingo on this check or any fees related to it
Consumer complaint received 2023-06-09
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. (CA)

I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sign on the Line, Inc. (TX)

On XX/XX/2020, Sign on the Line Inc. sent me a mortgage refinance solicitation under deceptive pretenses. Specifically, rather than putting their own name on the exterior of the envelope, they included the name of my original mortgage lender, along with " TIME SENSITIVE NOTIFICATION, '' to make it appear as though their solitication was an important message from my actual lender.
Consumer complaint received 2023-01-17
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: CITIBANK, N.A. (OR)

While travelling in XXXX on XX/XX/2022 I received a notification from the Citi app on my phone alerting me of potential fraud. The card in question was not on my person in XXXX -- I had left it at home because I never use it. 

There were 4 charges at 4 different vendors in XXXX and XXXX XXXX, Oregon. XXXX  XXXX for {$36.00}, XXXX XXXX for {$39.00}, XXXX & XXXX for {$82.00}, and XXXX XXXX for {$180.00}. 

I marked the charges as fraudulent and cancelled the card. I also called a friend to go to my apartment in XXXX and check that my apartment hadn't been broken into and the card stolen. There was no break in. 

Weeks later I saw that the charges still had not been refunded and that an investigation was still underway. On XX/XX/XXXX I called Citi to reach the fraud department. I was asked questions about what had happened and I explained the above situation to them. On XX/XX/XXXX I received a letter in the mail marked XX/XX/XXXX from Citi stating that they did not consider the charges to be fraudulent and that I was now liable for {$340.00}, and threatening that if I am past due that they may report my account to credit collectors. I have had this card open for years and have never even been late on a payment.
Consumer complaint received 2020-03-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I went to my bank to cash in some bonds the bank teller put in the wrong date of the bond and the wrong iinterest rate, she paid me too much and Put me in a awful situation they took every dime I had in my account and charged me for the their mistake