davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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. (MO)

HELLO, MY NAME IS XXXX XXXX XXXX, AND I AM A VICTIMOF IDENTITY THEFT SOMEONE BROKE INTO MY HEHICLE WHILE AT A COMNVENTION IN XXXX. THEY STOLE MY WALLET ALONG WITH PERSONAL INFORMATION MY ID AND SOC, I, IAL SECURITY CARD, INCLUDING MY LAPTOP. BECAUSE OF THIS CHILD SUPPORT IS TAKING MONEY OUT OF MY PAYROLL, I HAVE TAKEN CARE OF IT IN THE PAST, BUT CHILD SUPPORT IS REAPPEARING ON MY CREDIT FILE. I JUST HAPPENED TO HAVE A COPY OF MY ID AND SOCIAL. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME> XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX   XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX  OPRNRD : XX/XX/XXXX AMT. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : EQUIFAX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AUTOMOTIVE XXXX XX/XX/XXXX THIS PROBLEM HAS BEEN GOING ON SINCE XXXX, I NEVER CHECKED MY CREDIT REPORT.
Consumer complaint received 2021-07-06
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. (WI)

I have been trying to resolve errors on my report since XX/XX/2021. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status The CRA states verified yet has not sent me proof. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. 

I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

Recently noticed my American Express card interest rate was raised from 16.74 % way way way up to the max of 29.99 % without proper cause or notice.

I made several attempts to resolve this through AMEX chat portal but it seems AMEX CHAT is being used to stall my attempts at a resolution and to wear me down by continually providing irrelevant answers and by continually passing me unto different departments who claim unable to answer, then to different representatives who claim unable to answer a direct question. 

Note : I am already warned down, my wife has very serious health issues, besides XXXX XXXX, XXXX, she is now on XXXX. Which is very draining on both of us. I am XXXXyrs. old and her primary care-taker. I am not sure if anyone understands how overwhelming and exhausting it is to care for someone in my wifes condition. 

For example : she literally has over 15 different medications to take every day. Some must be altered daily. As a result of all these meds & her medical condition, Her memory is not good. Therefore, her medication intake must be monitored. 

Another example : The medical professions routinely make mistakes. Just last week while my wife had a dangerous XXXX XXXX  while getting her XXXX   treatment. I had to scramble immediately to save her life. A nurse FORGOT to administer her required XXXX XXXX. 

When I asked AMEX if a notice was sent to me concerning the increase, AMEX responds that it was. However I have no notice in my emails, in AMEX messaging center or via mail that properly describes the action AMEX had taken.

Also AMEX claims my interest rate was raised in XXXX because a payment in XX/XX/XXXX LATE PAYMENT WARNING : If we do not receive your Minimum Payment Due by the Payment Due Date of XX/XX/XXXX, you may have to pay a late fee of up to {$38.00} and your APRs may be increased to the Penalty APR of 29.99 %. 

If that is true, Why wait until XXXX? 

Yet, A payment was made to AMEX on XX/XX/XXXX for {$500.00} Also the above note is NOT proper notification, it is a warning of actions that may or may not be taken. 

I do not believe this was a simple error, the computer programs today are far too advanced for this to be an error. Most people with the proper insight know this. SO please do not allow them to try passing this off as an error!
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants
Consumer complaint received 2022-01-15
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXXhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NY)

I have a loan with WELLS FARGO HM MORTGAG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO HM MORTGAG with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Business and Consumer Solutions. (UT)

XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX  credit report and is hurting my credit score and  report. I have not spoken with this collection company nor have they attempted to contact me in any way.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2018-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/2018 Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. 
Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. 

XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/2018 XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX 's & XXXX 's account show NO payment received on XX/XX/18. 

-- XX/XX/18 XXXX 's & XXXX 's account show the payment ( {$240.00} ) received. 
( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. 


XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? 

XXXX & XXXX have no other bank account. 
XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. 

XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. 
He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. 
In the end the case was closed because XXXX won't expose the account # the amount was deposited to. 
XXXX gave up and agreed we go through the Legal Route.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NC)

Applied for a credit limit increase on XX/XX/XXXX. Verification of income and sensitive tax information is being requested. This information was previously submitted during a previously requested credit limit on or around XXXX of XXXX. The issue I have with verifying this information again is that it has not just my personal information on the tax documents but also my husband 's. My husband 's concern is that because he is not an American express customer his information could be used to be marketed to or worst, compromised. American Express should have kept these documents on file as nothing has changed. Documents were mailed to XXXX XXXX XXXX, XXXX XXXX, TX XXXX via XXXX XXXX 

reference # XXXX : XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I recently was informed that my employer provides payroll data to Equifax ( XXXX. The Work Number ) for the purpose of employment verification. I checked the most recent credit report I have from Equifax and did not see any such data in the report. I called Equifax and spoke to a supervisor in their dispute department who stated that the only information they have about me is what is in my credit report, and therefore the credit report comprised the entirety of the information in my file. I believe that they do have employment data about me, that said information is included in the definition of " file '' under the XXXX and that the credit report request process is their only public mechanism for requesting a copy of my " file '' under the XXXX
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/2022, i send a certified mail to Portfolio Recovery Associates LLC regarding some collection account on my credit report, XXXX XXXXXXXX # XXXX, XXXX XXXX  XXXX and XXXX # XXXX, that I'm not liable for this debt and i want them to provide me with the original application, Explain what this account is, who you are collecting a debt for, Provide me the address of the original creditor you use to obtain validation for this debt, Show me you calculated the alleged debt balance, Provide me the original paperwork that show I agree to pay this amount and Provide me the billing statement identifying the last date of delinquency, which identifies the status of limitation for this alleged debt. Portfolio Recovery Associates LLC failed to provide me all the documentation I had ask for, also I believed that they are reporting false information on my credit which had have a negative impact on my credit report. They violating my right 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 states that a consumer reporting agency can not furnish a account without my written instruction I have attach the letter I mail to them also, the letter I had received back from them.
Consumer complaint received 2023-04-10
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. (NV)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/XXXX  ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX -.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX bankrupcey experian dispute report # XXXX i have disputed this account on more than one occician and i have also asked experian to provide me with a verifaction letter of the data and information of this account and i get nothing and the disputes always say nothing has changed this bankrupcy belongs to my ex husband i never filed nor did i ever sign anything this bankrupucy has hurt me and my credit as far as buying anything i get turned down everywhere i go this has effected me mentallly and emotionaly
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (MI)

Daily phone calls I don't answer and they leave no message. XXXX check flagged the number as a scam. Today 's call was XX/XX/21 at XXXX. XXXX complaint identified the number to Sequium Asset Solutions
Consumer complaint received 2020-07-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MA)

My credit card application from Chase bank was filed and submitted on XX/XX/2020. The application, which was Chase freedom credit card, had been pending for XXXX weeks without notification letter. Thus, I reapplied for the same card on XX/XX/2020, and my request was not approved the next day. And the letter supposed to be sent to my address within a few weeks, however, I have not received it till today XX/XX/2020. Meanwhile, my credit report received two inquiries for these two applications.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NJ)

Originally submitted an initial complaint 9 days ago. have yet to hear back, but this complaint is because when I tried calling my servicer for an update on Saturday XX/XX/2022 and XX/XX/2022 at XXXX XXXX and XXXX XXXX respectively they are not available via phone during their posted hours of operation ( I will be attaching their " contact us '' page directly from their website ). when I try contacting several times during posted hours it says " sorry we are currently closed '' ). I've also tried calling several times during weekday operation hours but the wait times are absurd. 

this is seriously ridiculous, considering my original refund request for my loans paid during covid was requested on XX/XX/2022 and advantage had absolutely no record of the call or request when I called to follow-up on XX/XX/2022. and now I can not reach them. 

Business hours taken directly from Aidvantage 's website is attached below. I encourage you to try calling them during their posted saturday hours and you will get a " sorry we are closed '' message.
Consumer complaint received 2023-04-09
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.