davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

Since XX/XX/XXXX, Macys has been reporting my account ( # XXXX ) as a Failure to Pay, however, Macys has been charging me for an XXXX top I did not receive, and for the related interest and late fees associated with it. For over two years, I have been attempting to get the compounded errors that began on XXXX XX/XX/XXXX, when I opened a Macys charge account corrected. I opened the account, after continued pressure from a sales associate, at the XXXX XXXX Macys store. I purchased several items. I brought them home, but did not inventory them or removed them from the hanging bag at that time, as I almost immediately left on vacation for a month. When I did take the items out of the bag, I realized that one of the XXXX tops that I had purchased ( and was charged for on the receipt ) was not there. Since then, I have been trying to get Macys to correct this error. I have called the store, and I have protested the charges to the credit department. Finally on XXXX XX/XX/XXXX, I waited in the XXXX XXXX store for over an hour for a managers help. She managed to create a return that credited the account for most, but not all, of the erroneous charge. However, it was not her job to correct the years worth of late fees and interest associated with the erroneous charge. When I wrote Macys Customer and Credit Services, I received a response informing me that the charges were correct, and providing a number to call if I had questions. When I called the number, I was informed that because it was not credit card fraud Macys would be taking no action to correct the charges, and because I had attempted to purchase the items, I was responsible for all the charges. When I reiterated to the young man that I had not received the merchandise, and therefore did not believe I could be held responsible for the interest and late charges on goods I had not received, he informed me that I was liable for the charges, even though I did not receive the merchandise, because I had wanted to purchase it.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. 

The case number is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX REF # XXXX XXXX XXXX XXXX XXXX {$950.00}
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.
Consumer complaint received 2016-01-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: High Point Asset Inc (MD)

High Point Asset Inc : They called a old work number and other family and friends and I do not appreciate that, they need to stop I do n't owe them anything and neither will they show me anything saying I owe them anything. STOP CALLING ANYONE OR ANYTHING HAVING TO DO WITH ME.
Consumer complaint received 2017-09-08
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. (TX)

Equifax allowed a leak and therefore mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.
Consumer complaint received 2016-01-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (VA)

I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-08
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. (WA)

equifax did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of this.
Consumer complaint received 2023-12-01
Product: Credit 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: WELLS FARGO & COMPANY (CA)

I am writing to dispute a charge of {$85.00} ; I ordered XXXX items of cloth In XXXX XXXX on XX/XX/2023, I received storage bags instead of my items that I ordered on XX/XX/2023 at XXXX. 

On XX/XX/2023 at XXXX, I requested a refund, providing the photos of the shipping label and pictures of each item they sent me instead of the XXXX items I ordered. Later on it was denied. I tried again on XX/XX/2023 at XXXX, it was denied as well. 

On XX/XX/XXXX at XXXX afternoon, I called XXXX XXXX XXXX to report that problem. 
On XX/XX/2023 I received a provisional credit Claim-Ref # XXXX for that amount {$85.00} On XX/XX/2023 I received a letter informing me that they closed the case because they did not received the information from me that they requested. I never received any letter requesting any information. 
On XX/XX/2023 XXXX Bank deducted the provisional credit Ref # XXXX On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX I called XXXXXXXX XXXX to Dispute Dept. to re-open the case and a supervisor said I need to send all the proof by email at XXXX ; I sent the email twice on Friday XX/XX/2023 at XXXX and XXXX XXXX On Friday XX/XX/XXXX at XXXX I called again to XXXX XXXX XXXX XXXXXXXX XXXX. to let them know I sent the email with details and pictures attached the representative told me they need XXXX hours to review my case and they will contact me on Tuesday XXXX XXXX they never contacted me. 
Today Friday XX/XX/XXXX. at XXXXXXXX XXXX I called XXXX XXXX Claim again because I had not received any call or email from them about my claim. XXXX XXXX and XXXX XXXX XXXX are not solving this case properly as both companies should. 
. 
I will return the wrong items, 'the storage bags ' as soon as I receive the label and I want my money back. 

Sincerely,
Consumer complaint received 2018-07-14
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. (OH)

I was notified by a credit alert from XXXX  about a flagged account being placed on my credit file. I immediately called XXXX  to dispute as fraudulent and within 3 hours the account was deleted. I also informed XXXX and they removed the account as well. My issue is with Equifax and they way they takse its customers personal information for granted. I have called and get a run around, I have sent certified mail to get no response and havetried disputing online and than to be told my information does not match what they have and Im directed to Equifax Web mail to submit my dispute. Submitted this dispute over a week and half ago with confirmation number through Equifax Web mail. Every time I call to get a status update Im told the confirmation number was not found. I have literally had it with this company. I have been unsuccessful trying to get this fraudulent account removed off my credit file. I have complained to my Attorny General but seems like the process is in limbo. Equifax does not protect consumers and they make it impossible to veiw, dispute or check a dispute online or by phone. I am sick and tired of getting a run around about my credit and it should never have come to this. This company does not protect consumers.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank XXXX XXXX The account was Settled in Full for {$2600.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection XXXX for Capital One Bank XXXX and deposited my {$2600.00} check from the Title Company XXXX XXXX as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " XXXX XXXX '' with a balance of {$140.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " XXXX '' status, and it is still showing an account balance of {$140.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " XXXX XXXX XXXX, '' my credit score has dropped each month it has remained falsely reported.
Consumer complaint received 2017-09-08
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. (NY)

Following national news of Equifax 's data breach affecting 143 million people, I used tools provided by Equifax to verify that my personal data was at risk and then placed an initial 90 day fraud alert on my Equifax credit file on XXXX/XXXX/XXXX.
Consumer complaint received 2023-01-13
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. (TX)

FCRA Violation : name and address not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  {$960.00} FCRA Violation : collection not mine XXXX XXXX XXXX {$840.00} FCRA Violation : hard enquiry not mine XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I purchased a product for {$22.00} on XXXX on XX/XX/, purchased through XXXX credit card. 
I returned all the items on XX/XX/. Return credit was posted as only {$22.00} even though it should be {$22.00}. 

Now for the balance of {$0.00}, they added a late fee of {$22.00} and interest charge of {$2.00}. 
Attaching statements for the XX/XX/XXXX  and XX/XX/.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both Transunion and XXXX are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off account.
Consumer complaint received 2022-05-05
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. (OH)

The following inquiries listed were not initiated by me ; XXXX XXXX XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22. 
The accounts listed on the report are fraudulent and were not initiated by me. I have no business with these companies ; XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
May have happened when losing my wallet I have reported them as identity theft
Consumer complaint received 2023-05-24
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. (CA)

So I sent a letter off on XX/XX/2024. To remove XXXX XXXX XXXX Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights.

According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent a letter to Experian on XX/XX/2018, stating the XXXX XXXX XXXX XXXX has reported an inaccurate address on my Experian credit report. The address that is on my credit report is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, it is incorrect. When I mailed the letter inquiring about this account the letter cam back undeliverable. I have requested Experian to delete the account. I sent two letters, one on XX/XX/2018, and another XX/XX/2018.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (ID)

I demand the immediate removal of the fraudulent account, XXXX XXXX XXXX XXXX XXXX from my credit report. Equifax 's denial of my request is unacceptable, and I assert my right to demand compliance with the law.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the fair credit reporting act XXXX  account # 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 an account without my written instructions.