davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

As part of financial legislation signed into law as of XXXX, XXXX, consumers could go to the websites of the three major credit reporting bureaus to freeze their credit files beginning XXXX XXXX, XXXX. On that date I went to the websites of XXXX, XXXX  and Equifax. At XXXX  and XXXX I was able to freeze my credit files on my first attempt. Since XXXX XXXX, XXXX I have gone multiple times a day to Equifax 's website only to read a screen stating that being able to freeze my credit files was temporarily unavailable to me. It is now XXXX, XXXX, XXXX and I still can not freeze my credit files at Equifax. I have tried calling Equifax numerous times only to be put on hold for approximately 1/2 hour and then being disconnected. 
What has to be taken into account is that Equifax was hacked in XXXX where the personal data of between 143 & 148 million consumers was stolen, leaving them to vulnerable to identity theft and fraud. Who's to say I wasn't one of those millions, which is why this problem of me being unable to freeze my credit files at Equifax has to be resolved without delay. Being a senior citizen living on a fixed income, I neither have the resources or good health to be able to defend myself from the fraud that always follows being a victim of identity theft. My daughter was a victim of identity theft and fraud and it was a nightmare that lasted for years before it was finally resolved. 
I am asking that the power of your agency be used to immediately reach out to Equifax to have them fix their website so consumers can freeze their credit files. In my opinion, Equifax is breaking federal law by not allowing consumers to freeze their credit files at their company 's website as written into the financial legislation of XXXX, XXXX. Thank you in advance for your attention to this extremely important matter. I look forward to your response in a timely fashion.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: American Trst Company, Inc. (CA)

This company send me a few text messages. The initial text was without consent. I later opted in to find out who they are and then opted out one I found out who they are. The use of automated sms messages to consumer cellular telephone is prohibited under TCPA 1991. I am requesting that this company have their legal department contact my attorney ASAP. 

They seem to be soliciting debt restricting services. NO THANKS! 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-09-21
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-08
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. (GA)

There are several issues with my credit report that has taken in excess of 120 days way beyond the thirty days. It should only take 30 days to investigate the issues with my credit reports and request.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I deposited money into my account last week on XX/XX/2021 for which I have a receipt for the amount of {$380.00}. I also had an additional amount already within my account for the amount of {$28.00}, for a total amount of {$400.00}. I transferred ALL of my funds to my savings account from my checking account within the hour, that same day to protect it from being drawn from before I pay off my bills. Before I can pay off my bills, on XX/XX/2021 I received a text message from Chime stating that my phone number has been changed on my account and to call the customer support number listed. I called said number only to find out v that because someone changed my phone number, I was unable to even reach a customer service representative!!! Can you believe it?!! So I had my husband, whom also had a chime account of his own, call the customer service center in order to speak to a customer service representative about my issue and possible account hack. After the longest phone call imaginable, I'm assured that they will TEMPORARILY freeze my account for me in order to pretect my funds until they are able to update both my phone number and email on my account so that I may access my funds within my savings account. However, even after they updated both my email and phone number, I could not access my account. I was told to email support at XXXX which I proceeded to do. A day went by and I heard nothing so I called customer service and they told me that they had up to 48 hours to respond to my request regarding an email back. So I waited yet another day. I did not, of course, receive a response. I sent ANOTHER email and yet another two days went by, with zero response. I called customer service once again, only to hear the same baloney, that they could do nothing for me and that ONLY the customer support through email could assist me. I explained that its been days, much past the time window quoted by two different service reps and asked to speak to a higher up. Their response is always that there is " no one else to speak to presently due to staff shortage '' and I can't imagine that that is true. If they mess up, I'm sure that someone has to take responsibility just like any other workplace ... So here we are, today is XX/XX/2021 and still I can not access my funds due to poor support from Chime. Please help me to get my funds back.
Consumer complaint received 2021-04-06
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. (TN)

I sent a letter to Equifax on XX/XX/2021, to have my credit score reported in my credit report. I am using XXXX as my credit monitoring provider and I just recently pulled up my credit report for this month only to find out that the problem still hasn't resolved. My score in Equifax and all the accounts that I am supposed to see are missing. 

I just wanted to see what's on my credit report.
Consumer complaint received 2021-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Bankruptcy listed on report is not correct and according to letter received from this company, showing who they used to verify, that company does not have bankruptcy listed, and according to courts, experian did not check with courts directly to verify, dates on reports are incorrect, filing dates, experian has false information on report and need to remove/delete,
Consumer complaint received 2021-09-21
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. (TX)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had credit card insurance with Capital One on the Capital-One credit card that they are not honoring in the event of my past job layoff. I 've submitted disputes to credit reports and even submitted a letter to Capital One asking them why they are not honoring the card insurance that they offered for their cards. I had to pay a per monthly fee for that card ( at that time ) and submitted all original paperwork ( at that time, which I no longer have in my possession ) to Capital One, Capital One/Dominion Law " claim '' no one can find the original contract, well ; why am I still being held liable if they can not find the original paper ( not digitally altered ) contract that had my signature requesting with that additional check mark that I 've applied for card insurance to keep myself protected?
Consumer complaint received 2021-04-06
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. (IL)

They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/XXXX i need help.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They told me they couldnt do anything about it, to call trans union. I called trans union so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XX/XX/XXXX and it is now XX/XX/XXXX i need help.
Consumer complaint received 2019-03-06
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: Credit Bureau Central Inc (MS) (MS)

My credit report has a fraud alert place on it and credit bureaus keep letting creditors check my credit with out my approval as in the last 3 month I have not apply for anything and XXXX XXXX XXXX  XXXX XXXX I called them to let them know that its not me and I was a victim of identity theft in XXXX only thing I apply for was XXXX  and XX/XX/XXXX all other inquiries not me so please help me with the credit report agency theyre reporting the wrong things on my credit report that unfair to me that why I placed the fraud alert XXXX XXXX
Consumer complaint received 2021-09-21
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: WELLS FARGO & COMPANY (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Envision Payment Solutions, Inc. (GA)

I paid for my property taxes online ( due to COVID ) and there was an extra XXXX in my acct number. I am being charged 3 % ( ~ {$300.00} in fees ) for " insufficient funds '' and can no longer pay my taxes online ( it is marked as paid, yet it did not come out of my account ). The funds were sufficient, simply an error in entering the acct number. I usually turn in a check to avoid the small fee XXXX approx. {$3.00} convience ), but elected to remotely pay in order to avoid crowds. Not I am stuck with a {$300.00} fee that I have to pay in order to pay my property taxes. City of XXXX XXXX XXXX GA XXXX, XXXX XXXX, and Envision Payment system are the companies involved ( not sure where my fee is even going to as all 3 said to contact either other about the issue ).
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

This problem has been going on for years and the employees have been disrespectful and unprofessional. I have said to them don't give me a courtesy refund fix the problem but they insist on giving me a courtesy refund. The problem still exists and now they are saying the only option was a refund. They have been moving the transactions, withholding debt card payments and then assessing fees, transactions that never were pending on the account. They are added to the account with a fee over a week later. A merchant fraudulently submitted a request for payment with my wife 's stolen debt card information and we followed the procedure and the bank still paid the merchant and refused to give us the proof they provided to show the transaction was not fraudulent. I have been monitoring my account and I see the bank has the ability to move the transactions around to fit the window so that they can claim the transaction was late. Just recently they added the fee amount to my account and then added the fee. I feel that I have been discriminated against by the bank and it's employees.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (UT)

Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX. 

Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved. 

I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days. 

I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (GA)

This is not a duplicate request. ABSOLUTE RESOLUTIONS CORP. never contacted me when the debt was first sold to them. Nor did they present themselves as the owner of this debt in a written notice. In accordance with the FCRA and the FDCA provide the following information : -proof of purchase from XXXX XXXX -proof of the first letter of debt ownership from Accounts Receivable Corp specifically that was mailed to me with the date.
Consumer complaint received 2020-11-04
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. (FL)

Experian is not fair and doesnt do any investigation, they believe the big company without any evidence, XXXX XXXX XXXX  is trying to collect a debt and doesnt belongs to me they dont have any personal information about me, no social security number, no date of birth and no signature and the big deal here is that I disputed the wrong information with experian and experian damage my credit leaving this wrong information in my credit report, experian is wrongly giving the right to the big companies and is pushing down hard working people I think experian is doing fraudulent activity because they dont do any investigation and leave information that already was disputed and deleted, this account was already disputed before with a different collection agency many times I will upload last dispute and results ( XXXX and XXXX is the same ) please fix
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-10-23
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. (NY)

i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from equifax in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.
Consumer complaint received 2022-03-29
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. (PA)

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Back in XX/XX/2018 I began a dispute for an account XXXX XXXX, and to have all Michigan addresses removed from my credit file, that was opened fraudulently in my name due to identity theft. The account XXXX XXXX ( XXXX XXXX ) has not been removed by Equifax. I have repeatedly disputed this account to have it removed. Every time I call Equifax they keep telling me to fax in more and more documents, that I have already faxed them. I have sent proof of identity, identity theft police report with the account number on it, and proof of address for the past four years. They still have not deleted this fraudulent account off my credit file.