davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (AZ)

I have submitted numerous lettters in which i kept documentation of to XXXX regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to XXXX and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO XXXX AND EXPERIAN AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (CT)

I offered a delivery service using my truck to bring a large amount of chopped wood to a certain location. I was told I'd be paid by the person I spoke to and his friend regarding the amount of work it took. I have used XXXX many times as it's a payment service that ties to XXXX  XXXX XXXX, never had an issue before. I got a new cell phone last night but I back the phone up each night and when I restored the phone contents, all of my accounts appeared fine. I said once I received the money I would do the job. I received two emails to my account at XXXX saying that the funds that I expected were in my account, one for {$1500.00} and one for {$2000.00}. I performed the job. After I was done I checked my XXXX  XXXX XXXX account and the money was not there.The person I was talking to had their phone off. It appears they knew that they could get this job done for free as long as they used XXXX. Now to the gross negligence on XXXX XXXX part. It appears my phone being reset last night enabled XXXX to disconnect from my XXXX  XXXX XXXX account.There was absolutely nothing done to inform me that the money I have gotten emails saying I was in possession of would be forfeited. Once the person paying me for the service noticed that the money did not in fact deposit but was still on XXXX, they were able to cancel that payment. No where did I recieve any warning that my account was no longer connected to XXXX. The money was not deposited in my XXXX XXXX XXXX account and safe as it typically is, instead it was taken back as soon as this person realized the job was done and the money was still available to them. This is a blatant lack of responsibility on XXXX XXXX part. Even the email itself says only that I had received payment and nothing else I would like for the to pay the full amount of {$3500.00} for the work I performed. I was not able to contact a single person on their support line, it is computer ran and only has the ability to move you from menu to menu, you can not press zero for an operator and when I did think I found a way to talk to someone, the phone hung up ... 3 times. ZERO customer service.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I sent a letter to Equifax on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXX XXXX XXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Equifax is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item with in 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Equifax is causing me.
Consumer complaint received 2017-05-25
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: WELLS FARGO & COMPANY (NC)

Had a {$2500.00} credit limit and over night with no ch ange in credit score or missing payment or even a late payment ever, I had {$800.00} balance and they changed limit over night, and I have set it up to auto pay my bills. By doing this they have affected my credit score negatively in the most important way because it changes account balance/ to credit limit ratio. This is not fair and it happens all the time with banks of all kinds. They offer you credit and when you use it they lower credit limit to cause credit report to go down and then they can charge a higher rate of interest?
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP (KY)

I am receiving repeated calls from XXXX XXXX XXXX XXXX. I have asked her to quit calling me several upon several times. They've asked for my social security number. Some attempts were via another number XXXX XXXX XXXX XXXX. I've blocked their number via my cell phone but same " XXXX '' agency with different numbers.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (PA)

Complaint Part 2- Previous background : I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : XXXX justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (WA)

A US Bank card was sent to my parents address in XXXX  with my name on it. It is a " Relia-card '' for unemployment benefits. I was shocked when they told me because I live in XXXX  state and never applied for unemployment in XXXX. I have called the fraud hotline in XXXX  and notified them but was advised I would not hear back for 2-4 weeks. I am very confused how 1 ) an unemployment claim could be taken out in my name without my personal information and 2 ) how US Bank is not doing more extensive security checks before issuing these debit cards. I did have to apply for and use unemployment for a few months in the beginning of the Covid break out, but have since gone back to work. The unemployment I applied for was in XXXX  state AND I ALWAYS do direct deposit. I NEVER use the debit card option. I would like to leave this complaint as an official report of fraud and to get some sort of confirmation that this is being watched or taken care or/ help with what to do next. 
Please contact me as soon as possible. 
Thank you, XXXX XXXX
Consumer complaint received 2022-04-07
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. (CA)

Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX  Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( XXXX, Experian, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX Finance XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On the above date and time and had a few inquiries that has been reported to XXXX, Equivax that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent
Consumer complaint received 2022-04-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation (MD)

I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. National collegiate student loan trust has law suit against me to garnish my wage has the co-signer which I can not afford. I am a one year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.
Consumer complaint received 2022-04-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Consumer complaint received 2022-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Consumer complaint received 2022-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} IMMEDIATELY!!!
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

Between XXXX and XXXX I was the victim of fraudulent charges on my Home Depot Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted HD Credit card services and notified them. 

I ended up closing my HD account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. HomeDepot never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which HD accepted.

After this, I got a letter from Citi stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from CitiBank and later on by XXXX  XXXX. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points.

I have already spent several hours calling HD and Citibank explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want HD and Citibank to inform all debt collectors ( XXXX XXXX ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information THD/CBNA Remark Added to Account THD/CBNA Thank you XXXX
Consumer complaint received 2021-01-08
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I booked a stay at a hotel through XXXX using my American Express credit card. I realized I did not use the rewards card I had intended to during my purchase so I cancelled it and made the same purchase again with my rewards card ( again, paying with American Express ). I received confirmation of cancellation from XXXX with an email saying that my American Express would be refunded for the initial cancelled stay. This did not happen. I reached out to XXXX several times to inquire about the refund and no one responded. I even gave them several months given COVID and the chaos I'm sure many companies were dealing with at the time, I thought it could take a while to sort out. When the day of the hotel stay arrived, I brought up the cancellation with the hotel, which said XXXX would take care of it since I had booked the stay through them. 

At this point I raised a ticket through American Express. I thought it was a pretty straight forward case - especially since I SHOWED them the email that confirmed my cancellation FROM XXXX. Recently I went in and looked up the status of the claim and found it was closed with no explanation and American Express wasn't refunding my funds. I was absolutely amazed since I was told by the merchant I would be refunded and XXXX FAILED to do so and despite having this cancellation confirmation in WRITING, American Express failed to honor it. I opened the case again. Recently, I was given a letter from American Express. In it, they explained that my initial dispute was closed in a " technical error '', but unfortunately now my case is " too old '' to investigate - which is their fault since they were the ones that closed my initial case in error in the first place. Also according to the letter, anything they do for me at this point is a " courtesy ''. 

I want the refund that I was clearly promised the DAY I cancelled this hotel stay. I have more than enough to prove that I am owed my funds back and American Express has dropped the ball enough. 

This is unacceptable.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MA)

complaint no. XXXX you help me with does n't seem to be resolved the collection agency XXXX XXXX after they said they would cease collection they sold account to another collection agency called phoenix financial services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX their e-mail is : XXXX tel. XXXX
Consumer complaint received 2021-12-07
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: 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/2021. And now we are in the month of XX/XX/2021 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX - XXXX XXXX XXXX