davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On [ XXXX 2020 ], XXXX 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.
Consumer complaint received 2019-06-08
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. (MO)

Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX {$6200.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

I noticed Suspicious transactions on my Wells Fargo Credit Card account. These Transactions were for XXXX, Hotels, and a Smoke shop, all based in California. The sum of fraud was {$2200.00}. I disputed these with Wells Fargo. ( Detailed documentation of transactions will be attached to this claim ). 

One can see in the Transactions that they were in XXXX XXXX, XXXX, and XXXX California while I was in New York. Clearly, one can not be in both places at once. 

I called Wells Fargo to dispute these charges. I listed them each. A few days later I got a letter from Wells Fargo saying that no fraud occurred. Their reasoning was that " Since your card was in your possession at the time of the transaction, we have concluded that the charge was authorized. '' ( I am attaching the resolution letter they sent ). 

This seems to me like terrible reasoning. There are well documented instances and methods of Fraud that can occur while the owner is still in possession of the card. 

I called Wells Fargo on XX/XX/2021 to ask them how they could have reached this decision. They did not inform me. They did not provide documentation. They only said that they would take a second look. I have low confidence that they will resolve this fairly.
Consumer complaint received 2019-06-08
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)

Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX  {$6200.00} 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (OH)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I Disputed with company on XX/XX/2019. The company received my dispute on XX/XX/2019 as shown according to the certified mail receipts. It is now XX/XX/2019 and I have yet to hear from or receive validity back from company. The FCRA gives the company thirty days to respond, I have not gotten a response.
Consumer complaint received 2024-03-26
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc (FL)

Money was illegally taken from my Account for a loan that I had trouble paying back. I was in involved in a work related accident, so I work limited hours. Once I had more money. I would set up a payment arrangement, but they couldn't wait and took all of my money. They hired a third party named January as a debt collector for the loan.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

I had a policy with XXXX for over 10 years and I still have a policy with them. However, I sold a car and called to take the car off my policy they did and now I am getting credit for an unpaid month of the policy I cancelled. I tried to call XXXX  as well as emailed them with the help of their communications and never heard back thinking all was ok. Today I received another debt collector bill in the mail and spoke again to XXXX. I should not have to pay for a month of insurance when the car was sold. I still have an account with XXXX  for our other vehicle. The account in question should have been closed the day the car was sold. I spoke with an agent the day I sold the car and the account was cancelled. I shouldn't be getting collections notifications.
Consumer complaint received 2021-08-13
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: Bread Financial Holdings, Inc. (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

Attempting to communicate further with Citi has proved impossible. They refuse to help me via their secured chat, demanding that I call and speak to someone, which is extremely ableist and shouldn't be allowed. Further, they threatened to charge me a late fee even though I have no outstanding balance. This truly is not a bank, it's simply a scam.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I asked a company how they got my personal information and they told me Experian sold my information to them even though I completed a 5 year opt-out form in XX/XX/XXXX. I also completed a permanent opt-out form at the beginning of XX/XX/XXXX. After I heard Experian was selling my information, I completed another opt-out form in XX/XX/XXXX and sent a copy to Experian with a certified letter. I completed three ( 3 ) opt-out forms from XX/XX/XXXX-XX/XX/XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am supposed to be on the opt-out lists. In addition to sending the opt-out form to Experian, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. In XX/XX/XXXX I asked another company how they got my information and they told me Experian sold them my personal information even though I have already completed three ( 3 ) opt-out forms. I received my Experian credit report in XX/XX/XXXX and they still do not have my credit file marked as " opt-out '' and they are still selling my information which violates my rights under the FCRA. I want Experian to mark my credit file as " Opt-Out '' and I do not want them giving out and/or selling my information to anyone.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (AZ)

I had a collection account with sequiem asset solutions. The debt has been recalled. I tried disputing it and they have not fixed the issue. I called in XX/XX/17 and spoke with a manager and request it be removed. She offered if I paid in full they can update it and it will be removed. I confirmed with her that the debt has been recalled and they no longer have collection authority. I asked they why they would keep reporting. They said its accurate along with the balance it is reflectiing. I can not have two accounts trying to collect the same debt. It is illegal. I told her I was upset and just wanted it resolved. She said I was only upset because she is giving me answers i don't want. Please have them verify collection authority if they are continuing to report or delete it asap
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/2018, I applied and got approved for American Express Delta Gold card. 
I had applied through a PUBLICLY AVAILABLE offer for a limited time on https : //americanexpress.com. This publicly available offer had a promotional bonus XXXX  XXXX attached on sign-up. The full terms and conditions of the publicly available offer are attached as pdf. 


Publicly available link on americanexpress.com used for sign up in XX/XX/2018 : https : //www.americanexpress.comXXXX   XXXX I faithfully fulfilled all the terms and conditions of the promotional bonus offer ( making the required minimum spending, and waiting 8-12 weeks ). Note that this particular public bonus offer did not have the restriction around " welcome bonus not offered if you have had this card before ''. 


Please provide the promised promotional bonus of this publicly available offer that was signed up through the publicly available link on americanexpress.com
Consumer complaint received 2019-06-08
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. (MO)

Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX  XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX  XXXX {$16000.00}
Consumer complaint received 2019-06-08
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)

Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX   {$16000.00}
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Last year of XXXX, I reached out to all three-credit bureaus regarding a charge off account on my credit reports. The payment balance has been satisfied and both parties involved in the collection acknowledged to removed it off all three credit reports upon settlement agreement. I am not sure why it still shows on my credit report given that I fulfilled the agreement and the company agreed to remove it. The credit refusing to remove the charge offs even with provided letter evidence. It is affected my life and the future of my family to get a home and start a business venture. The credit bureau failed to provide documentation bearing my signature and the agreement from the creditor. I need this issue fixed, and corrected as soon as possible
Consumer complaint received 2021-11-10
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. (FL)

I, the consumer and original creditor, XXXX XXXX sent letter to credit reporting agency regarding them not having consent to report accounts. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

As the consumer no written instructions were given to report anything on my credit report. No consent is considered Identity Theft. I demand that the following account and inquiries be deleted from my report. Account name XXXX XXXX Account number XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX. Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX, Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have tried on several occasions to obtain my EQUIFAX report via XXXX and am unable to. I can access the reports for the other reporting agencies from the site. When the the website routes me to equifax equifax asks me questions that are not related to me and then states it can not authenticate my file. I have reached out to equifax several times and told them that it looks like they are asking questions pertaining to someone else and they refuse to look into it. The last time I called was XX/XX/18 and the rep actually said there is not enough information on my file so the website asks random questions. I filed two XXXX  reports because of this issue. In XXXX Equifax responded via XXXX  that they would look into the the matter but they never did. I called Equifax a few days after the XXXX response and the representative said there were no notes on my file about me having issues accessing my account despite numerous complaints. I also sent two messages to XXXX to inform them I can not access equifax.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (OR)

I just received notice on XX/XX/2019 from American Express that they are dropping my credit limit, even though I have made payments on time to them because they looked on my FICO report, without my permission, and saw that my FICO score dropped because I missed one payment to another company. This reduction also reduces my FICO score. I can not get in touch with American Express because I just received the notice today XX/XX/2019. I think there are three issues. One, they used my FICO score without my permission and two they dropped my credit limit below the credit limit which I have had, and three they did it and it increases the rate on the credit card because I am over the limit now. American Express unlawfully peeked at my report, and dropping the credit limit from {$13000.00}, to {$8500.00} which decreases my credit score, and also increases the APR. I can not make payment with an increased APR.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had a XXXX account I moved from one address to another address in my new address i never got service they billed me i spoke to them 3 times first 2 times they said that's their problem they will fix it I don't owe anything. Just to day they report to the credit report that I owe {$100.00} which is their fault now my credit report went down because of their fault
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a wire transfer from a annuity which was terminated of $ XXXX.With a personal check it was deposit into my BOA checking to either pay off a student loan of 7 % compounded, or a Eloc with BOA at 5.6 % compounded on XX/XX/2019.Boa withdrew the money on XX/XX/2019, and then told me money will not be available until XX/XX/2019. 
I want BOA to pay me at least 5.6 % per day interest on that money until they it is available.
Consumer complaint received 2019-06-08
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. (MO)

Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX is doing unfair debt collection practices by reporting a debt to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX XXXX has been violated. They have also violated NY XXXX XXXX ( XXXX ). XXXX XXXX XXXX is not licensed to collect debt in XXXX, I will bring this to the attention of the attorney general.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

I received written notice that I needed to provide additional financial information related to my checking account with due date of XXXX  XXXX. This information was previously provided to the bank. Without notice my account was frozen on or about XX/XX/2018. Several bills on autopay including : mortgage and utilities were not paid. In addition, checks written in XXXX were not paid with the checks stamped " froz ''. I received notice in email my FICO score has been lowered. I have had late fees and returned check fees applied. I have written on two occasions to the person I was informed was responsible and he has not responded nor addressed my concerns : XXXX XXXX at Citibank
Consumer complaint received 2018-12-09
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. (NY)

Equifax dropped my credit score 79 points after having a collection removed from my credit report. I have submitted documents to them to show that I paid the collection agency and that XXXX should marked as paid. I have tried disputing with equifax and try put a comment that I was disputing on my credit report but the account has been paid in full and I feel dropping my credit score 79 points after paying a collection is not fair. I submitted documents to prove the account has been paid in full