davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

We leased a XXXX XXXX  in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!
Consumer complaint received 2022-10-12
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: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX I was taken to a website that I thought was for a breathing machine I just received. It ended up being a scam and charged my credit card XXXX and XXXX. These charges were pending for 7 days and when I called to let the credit card company know they told me I needed to wait until these amounts actually got charged to my account. They did charge to my account so I called the bank XX/XX/XXXX at XXXX a.m. and was on hold for about XXXX mins and I was speaking to someone outside of the USA. They transferred me to the USA and I waited on hold for another 30 minutes and spoke to a woman that said I would need to speak to customer care to dispute a charge. She transferred me and I was on hold for 2 hours. I hung up very frustrated. What kind of a corporation has their customers wait that long? 

Last night, XX/XX/XXXX while I was sleeping they left a message about some fraudulent activity on my account. I called XX/XX/XXXX at XXXX in the morning and got an animated voice stating that I was trying to make a purchase for XXXX at a computer store. It said to press 3 if this wasn't you and I did. It proceeded to transfer me and I waited about 15 minutes on hold and actually got the same person I spoke to in the morning. She said if I needed to make a dispute and cancel my card I would need to speak to customer care and proceeded to transfer me at XXXX and I was on hold for over an hour. 

I want to cancel this card!!!! I want my dispute completed, but most importantly I want this card canceled, please!!!! 

The credit card is BJ 's Mastercard through XXXXXXXX XXXX which I think is held through XXXX XXXX?
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Jeffcapsys ( jefferson capital systems ) at XXXX XXXX XXXX XXXX XXXX. XXXX, Minnesota, XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. i do not know this company. i have never done any business with this company. this company does not have a contract with my signature.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX XXXX Account Delete Please XXXX card XXXX Not My account please delete
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-09-27
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. (SC)

XXXX XXXXXXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-16
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: AFNI INC. (OH)

This is my second time disputing the following accounts : -XXXX XXXX XXXX  XXXX XXXX # XXXX -AFNI, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management collection agency was calling me frequently. I told them I was affected by covid and was in a bind due to losing my job. The company continued to harass me. Now Ive called them XX/XX/XXXX and XXXX trying to settle the debt at a lower percentage due to me trying to borrow the funds from someone else. I explained to them my current unique situation but the company really didnt care. Midland credit management stated that their company is only able to give out a 40 % discount off of the debt but sent a document stating otherwise.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (GA)

I am reaching out to this company to speak on the collection that has been placed on my file. This is account is fraudulent and not my account. I have submitted in appropriate documentation showing how this is in fact a fraudulent account. To take things a step further, as a consumer it is illegal to place an account for collection without submitting in proper documentation. I am requesting that you all send over your errors of omissions policy number, the chain of title, and the orignial contract show proof that this account has been placed for collection. I am requesting that you send me over these documents within five days. If you can not provide this documentation, then per the law this is a violation and this account should be deleted. I have no knowledge of this account in the first place and this is just really ridiculous. Account number : XXXX
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (TX)

I have been trying to get Equifax to show my credit history for the past 2 months, Ive been working with my loan office to get them to show my credit history. We have tried all other options but they ( Equifax ) refuse to do anything about it.
Consumer complaint received 2022-07-06
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. (OK)

My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: First Technology Federal Credit Union (CA)

Since XXXX, XXXX I have tried to received my bank statements unsuccessfully! 

For thirteen plus months, I would call to have a representative assist me in there attempt of resolving the problem! 

Each representative believed the problem was addressed and solved! The cause/fix only resulted in failure after failure! 

I have either used the phone or virtual appointments to resolve this huge unacceptable situation that the bank has no interest in resolving for a member who has been since XXXX! I have requested a supervisor or manager to return my call which they Never have! 

I don't know what else I can do! I am in need of your assistance to resolve a issue why a Institute will not allow a member to have access to my financial accounts please! 

I would greatly appreciate your assistance in helping the credit union to take insterest in allowing access to All my banking needs by providing my accounting records. 

Thank You I have money directly deposited and have access to my banking needs through ATM only! No in person banking in my area!
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I noticed my account was pending for a transaction in the amount of {$2500.00}. That same day i called Bank of America to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. 

I went back to Bank of America to appeal the claim. But that appeal was also denied within 3 days.
Consumer complaint received 2022-10-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

i have called and disputed with Equifax and disputed online which i will attached documents as well police report. They keep coming back in 10 hours stating its mines when it's not.. I would like thgese inquires removed ASAP Delete all three inquires asap DELETE ALL THREE INQUIRES ASAP LIKE NOW BECAUSE NO PROOF CAN'T SUPPLY PROOF BECAUSE I DIDN T APPLY EVEN THE CREDITOR STATED THEY HAVE NO KNOWLEDGE OF MYSELF APPLYING FOR CREDIT WHEN I CALLED. YES I CALLED ALL THREE CREDITOR
Consumer complaint received 2021-07-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged me an ACH claim reversal which caused my savings account to become negative. The negative balance in the account was supposed to follow bankruptcy and remove the negative balance. However Wells Fargo did not clear the negative balance in the savings account they caused by Claim reversal. Additionally all the Wells Fargo credit accounts have been discharged. Chapter XXXX as such Wells Fargo needs to properly report these to XXXX  instead of reporting as charge off on the note loans.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose