davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union (OR)

I am in an approved COVID relief payment option, when i called to see what options were available, i was offered to skip payments for XXXX, XXXX and XXXX. Each month i called and messaged checking on the status, and what options were available after. When i finally heard back from someone in their special assets team ( after over a dozen requests via message and calls to the number XXXX ), i was told i was approved for a reduced payment program, and to pay {$190.00} per month. I promptly made the payment by check ( attached ). Also attached is the XX/XX/XXXX letter confirming my approved payment status. 
I received an alert on my credit report today, to see i have been reported 30 days late?
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I used my checking account with Wells Fargo to make two transactions ( {$300.00} per transaction ) via XXXX on XX/XX/2018. I was buying golf tickets on XXXX and seller wanted for me to transfer money through XXXX. Tickets were fake and Wells Fargo has refused to do anything about this.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

I have an account with Chime ( XXXX ). Recently they allowed a charge of {$160.00} to my account which was NOT AUTHORIZED. I told Chime that this charge was not authorized. Chime came back and said they had proof that the charge was correct! I am their customer, and they tell me the charge is correct!! I repeated to them that the charge is not authorized, and I want it returned immediately, but they refused. The company that made the charge XXXX XXXX was told in writing ( 4 different time that they were not allowed an direct withdrawal payments. I need my {$160.00} back ; I am having to choose between medicine and food because these people will not return my XXXX. I have the right to receive this money back upon request, and MY bank has to refund it. I need my money back now, Thank You.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I was contacted initially on XX/XX/XXXX regarding a balance owed to the original creditor XXXX  XXXX XXXX at XXXX XXXX. I then spoke with someone on XX/XX/XXXX regarding this matter and was told that I would need to reach out to the original property management for proof this was paid. I did so and was provided with an email from the region property manager of the original property management company stating that she saw where the payment was made, then later refunded, and that the collection agency should not be trying to collect for this. I have provided the payment confirmation letter as well as a statement showing that this amount was paid back to me and later refunded. I was then told that although this has been refunded back to me I am still responsible for the amount owed.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (DE)

I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (CA)

For many years I have never been able to obtain a decent credit ; since many companies when reviewing the credit through this platform my record for more than 10 years has always been very negative and therefore I have been denied credit ; I currently have and credit through my son ; which has made me an authorized person ; But that makes it difficult for me to want to buy or rent a housing unit, in other Credit Record companies ( XXXX ; XXXX and XXXX XXXX they have an updated record less Experian ; and they require me data that I consider of private use as a copy of my ID and Social Security card ( I ask WHY ) On many occasions I have received notifications and letters of Judicial Agreements in which Experian has been sentenced to pay many fines for violations of its servers, of which personal information has been stolen from many people ; And so I think that my information could be affected.-
Consumer complaint received 2022-06-16
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got letter back stating They do NOT report any bankruptcies to anybody. So if thats the case .How did the credit bureaus verify my bankruptcies as 100 % Accurate they never did a Fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) States ; The term investigative consumer report through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to :15 U.S.C 1681 Section 602 A. States I have right to privacy According to :15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions According to :15 U.S.C 1681 1s-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 information is inaccurate.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XX/XX/XXXX i became a victim of identity theft. My credit reports had multiple entries for credit that i didn't make. Several of which were for Bankruptcies that im not responsible for. On or about XX/XX/XXXX i filed a police report for identity theft and a complaint with the federal trade commission. There after, i forwarded copies of my FTC Affidavit to all 3 credit reporting agencies XXXX, Transunion and XXXX. Transunion is still holding this fraudulent bankruptcy on my credit report. On or about XX/XX/XXXX i applied for credit with XXXX XXXX XXXX XXXX an i was denied because of the bankruptcy being held on my Transunion report.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX 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 a account without my written instructions.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

After using a credit card for cash advance, my wife and I were shocked to see the fee that was charged to us by the Citi credit card company. I corresponded with the credit card company via their app. The corresponding customer service agent responded that the fee that was charged was in the cardholder agreement. When I responded that the cash advance fee increase associated with the credit card had never been communicated, he referred me back to the cardholder agreement on their website. This is a XXXX XXXX card that was automatically issued when Costco converted from honoring the XXXX XXXX card that we had originally. 
When I explained that I had never seen this fee, I was referred back to the cardholder agreement on their website. I think that the previous original cash advance fee percentage was 3 % and not the 5 % that I was charged this time. There is no way for me to confirm or were they able to verify when the increase was made. I am willing to pay for the lower percentage but feel that being charged for the higher percentage that is arbitrarily set by the card company without proper notification is unacceptable.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 a account without my written instructions.
Consumer complaint received 2018-12-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (TX)

A representative made several calls to me offering a fake settlement on the account they claim i owe money for. Asked for letter in writing n was never recieved..asked to speak to someone in management was unsuccessful. The statue of limitation to collect a debt n Texas is 4 yrs..they always call n never offer official documentation about the debt
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (UT)

Today I received 2 phone calls and a report of another call they made to my friend. The transcript of the phone message they left on my phone reads as follows : " The this is a confidential message for XXXX. If you are not XXXX  you must hang up now. Hello. I am being asked to report back to you on your birthday, which is a concern. We had to put a hold on your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to ww.w direct Recovery Services and click on the pay now link. Your account number is [ ... ] '' Shortly after my friend forwarded me the above message, I called the number to find out who called me. The individual who answered the phone was very abrupt and would not tell me to whom the debt is owed or how much. Instead they asked me for my SSN and DoB. I told them I would never give that information to anyone over the phone. I asked that I be removed from their calling list and that they cease and desist contact effective immediately. They responded saying, " You have a right to pay your debt .... '' I couldn't stand their yelling into my ear, so, I just hung up when I noticed that they weren't going to leave me alone. 


I followed up that conversation with the following email : " I just spoke with one of your staff asking me to give my SSN and DOB over the phone. 

1. Send your proof of the debt you say I owe to P. O. Box [ ... ] 2. CEASE and Desist all phone call to me or any persons known to me effectively immediately. 

You called me three times today already and you say I have a " right to pay the bills. '' It's only scammers who have asked me for my SSN over the phone. I don't understand why anyone would yell at me for asking for a verification of their debt and providing them with a mode of contact I prefer. Their aggression is deeply troubling and I see that I am not the only one whom they've preferred explosive language -https : XXXX
Consumer complaint received 2017-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (SD)

Tuesday XX/XX/XXXX I was contacted by my HR department that some gentleman had come into their office trying to serve me papers. He left them with only a name of XXXX XXXX XXXX XXXX along with a phone number of XXXX. I called the number and spoke to a gentleman who was very rude asked if I have signed any litigation paperwork within the last 72 hours and said they were suing me for a loan from XX/XX/XXXX. I said no I have not signed anything so he proceeded to tell me well then we can settle this now before any paperwork gets signs. I said I do not have the money at this time to pay it. He became more aggressive so I hung up on him. This morning Thursday XX/XX/XXXX I get a voice message from a XXXX XXXX from some servicing agency that said my case was forward to them by XXXX XXXX XXXX  XXXX. The lady said in regards to my property and my place of employment and I had 24hrs to return the call. I returned the call and they said that I would have to call XXXX because they are only a servicing agency and my file is in their hands now. I told her that I called them Tuesday and am now wondering how you received my information if you did n't have my file. I also requested a validation be sent to me about the debt. She was unable to give me any answers, just kept saying we are a servicing agency and you need to contact XXXX. I told her I filed a claim with FTC and she then hung up. The servicing agency number is XXXX
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got letter back stating They do NOT report any bankruptcies to anybody. So if thats the case .How did the credit bureaus verify my bankruptcies as 100 % Accurate they never did a Fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) States ; The term investigative consumer report through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to :15 U.S.C 1681 Section 602 A. States I have right to privacy According to :15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions According to :15 U.S.C 1681 1s-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 information is inaccurate.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (OH)

On XX/XX/2021, I sent a letter regarding the Late payment reversal on my credit report. 
On the Attach proof, I encircle the late fee reversal which they charge me by mistake. 

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2022-07-22
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. (OH)

I have had my wallet stolen along with all of my identity and every since then someone has been applying for credit, I have a security freeze on my account and I currently have incorrect hard inquiries and addresses reported on my credit report ... I did not authorize any of the inquiries from, XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, from TransUnion and also from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Equifax needs to block and remove these fraudulent accounts immediately because someone hacked into Equifax system and stole my identity. The following accounts were opened due to identity theft : 1. XXXX | XXXX 2.  XXXX XXXX  | XXXX 3. XXXX XXXX XXXX XXXX | Balance : XXXX 4. XXXX XXXX XXXX XXXX | Balance : XXXX I have attached a copy of my police report as well as corresponding documents from XXXX stating for Equifax to remove and delete this fraudulent account from its system. Equifax has also violated my rights be reinserting recently deleted accounts from my credit report without notifying me within five days. I am going to sue Equifax for violating my rights and report them to XXXX XXXX XXXX  as well as Attorney General Office.