davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (GA)

I just received a Walmart MasterCard in the mail issued through XXXX XXXX that I did not apply for. Today is X/XX/17. Even though it says that I have to call to activate my account, anyone could have stolen it and activated it in my name. I want this practice to stop immediately. I am also going to file a complaint with the BBB.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I tried downloading my free annual credit report a few months ago using my XXXX, and XXXX apparently is n't a supportive browser, because the websites locked up, and I had to restart my phone, so I was never able to review my credit report. I should also note, I ordered all XXXX reports at once. XXXX now states that I 've viewed all credit scores. Can this be reset so I can view my reports?
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Starting in XX/XX/XXXXall of my credit cards and ATM card have been cloned and used. I still have the cards I have a box of paperwork, too much for me to even sort. my XXXX last XX/XX/XXXXmakes everything hard to do. my checking account with Chase bank has been compromised several times by use of a cloned ATM card. sometimes Chase gives the money back, sometimes they give it on a temp basis and then take it away, leaving me suddenly overdrawn by hundreds of dollars. i have no money to deposit so i get overdraft charges until i borrow some cash from my family. also my credit cards have all been compromised many times. some fraud cases are settled in my favor, some are still in progress. my most recent denial by chase for the unauthorized use of my ATM card was denied because the card was chip enabled and used at a chip enabled store. my Slate credit card also has the famous chip and it gets used all the time and i still have the cards. so far the card has been replaced 6 times with a new one on the way now. Slate approves my claims, why does n't chase ... same bank. i can not pay my bills and my credit score is down 60 points. please help me fight the battle of the chip. My research found that I am protected by law such as the Fair Credit Bill and the Federal Trade Commission. FYI MY CREDIT CARDS ARE ALMOST EXCLUSIVELY USED AT XXXX IN THEIR ELECTRONICS DEPARTMENT. CAN SOMEONE MAKE THEM START CHECKING ID? Opps my wonky fingers hit the cap lock also i telephone the chase fraud people and ask if they could please reopen my case so i could do some investigation, they said my request was denied. I was n't able to attach documents. i have photos of 10 cards that have been replaced. all of them have the chip
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/2014 TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Consumer complaint received 2017-09-09
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. (UT)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Also it appears they are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior, as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (PA)

XXXX has been calling between 2-3 times a day early every day for months. I have told them numerous times that I will not agree to pay a debt until I receive written proof of the debt in detail because I know nothing of this debt. They refuse and told me its against HIPPA laws to disclose that information. But continue to call. They also repeatedly ask for more or different private information when they call and before hey tell me who is calling. Ive just begun to assume its the same place.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2017, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX- XXXX XXXX ; I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party XXXX XXXX that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and XXXX XXXX remove this debt from my credit report immediately ( all 3 Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.
Consumer complaint received 2017-09-09
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. (KS)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In late XXXX of 2017 I paid a Principal Payment to my Line of Credit account at my former bank Santander in the sum of $ XXXX.I then received a letter from the bank that I was forced to pay a late fee of {$69.00} for not making the regular payment. For more than 6 months up till XXXX XXXX of 2017 I paid my bill in Principal.I was angry and infuriated at Santander and their predatory practices not only I paid them {$70.00} I paid an additional {$21.00} to cover the fine which made no sense.
Consumer complaint received 2017-08-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contact Transunion in regards to the inquiry from XXXX XXXX. I have asked them to remove the inquiry because the company stated that they have done a soft pull on my credit report therefore it will not leave an inquiry on my report. I had expressed that I do not want an inquiry on my report. Transunion responded and said the typical language that they had investigated the matter and found that the inquiry was mine. This is obvious that they did not even read my issue and to prove that they did not do any investigation. I have used the address they had provided and received an undeliverable address message back.
Consumer complaint received 2017-09-09
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. (AL)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-08-16
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: Experian Information Solutions Inc. (NY)

This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and XXXX to remove these inquiries.
Consumer complaint received 2024-05-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

I filed a dispute with Cashapp after noticing there was an unauthorized purchase by a seller that did not exist. It is my belief that someone from cashapp has stolen the money from my card and is now refusing to dispute the charge with the so called " merchant ''. The last email I received from Cashapp 's XXXX  stating they could dispute the charge with the merchant if I followed certain steps. She sent the email on XX/XX/XXXX, I followed those exact steps and responded to the email, and they never did anything. I have notified Cashapp 's CEO about this scam via email, but I believe he is in on it because it was never resolved.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2017-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

This is actually the second time I am contacting due to Wells Fargo charging me for forced placed insurance and adding all these fees-I have never been late with a payment nor have I ever had a lapse in my homeowners insurance held by XXXX XXXX since the time I purchased the home. The gentleman that was handling this complaint with Wells Fargo stated he had fixed the problem and credited my account but as you can see through the attached files they have not-I know there is a class action with the Auto finance department but I believe their practices go beyond the auto department. As you can see from the statement that there is still a charge for insurance for XXXX and now they have just added another XXXX
Consumer complaint received 2017-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I disputed this twice, it was removed and XXXX erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.
Consumer complaint received 2017-08-16
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. (FL)

I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX XXXX unauthorized transactions were made via my cash app account totaling {$4300.00}. Cash app refuses to refund my money period saying its XXXX and cant do anything about it has stood by that since day XXXX I have disputed the transactions have requested refunds from the parties and nothing.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MA)

XX/XX/XXXX : Received a letter in mail from XXXX indicating that I requested service from them and they pulled a credit score from Equifax. My score was apparently obtained on XX/XX/XXXX ** No one in our household has ever applied for XXXX. 

With the current chaos at Equifax due to the massive hack, I am unable to obtain my credit report from them. 

Simple web-search indicates that XXXX-Equifax-Unauthorized-Credit-Inquiry has been a persistent problem over many years.
Consumer complaint received 2017-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I called transunion and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXXtransunion 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 XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax released what I assume to be my credit header information to an undisclosed party due to inadequacies in their protection of my information. 

I was told to check on their site if I had been affected and was told based on my last name and last 6 digits of SSN that I was part of the breach.
Consumer complaint received 2021-11-30
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. (MI)

Requested method of verification an item reporting on Experian as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from XXXX on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!
Consumer complaint received 2017-08-16
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: EQUIFAX, INC. (NY)

I have spoken to XXXX about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me. Below are the following listings : XXXX XXXX XXXX XXXX : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry :  XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance XXXX XXXX XXXX XXXX