davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports. 

They offer 1 free year, then want me to pay for THEIR mistake. They were negligent on their duty to keep my data, which is taken without my permission, secure. It would also be nice if CFPB would do their job and stop closing my actual complaints. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My information has been improperly used. Now my credit report has items that are not 100 % accurate. To make matters worst, my credit card limits got reduce because these inaccurate item are hurting my credit.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, XXXX, and Transunion has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE information.
Consumer complaint received 2022-10-06
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. (SC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account numbers XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NH)

I just received an Amazon.com Rewards credit card from Chase bank with my name on it without ever applying, authorizing or in any form requesting this account from anyone. 

I called the number in the back of that credit card and asked them to cancel it and they argue that they can only temporarily cancelled. 

I have other account with Chase and also an account with amazon.com so I am suspecting that any of this two companies might have taken my personal information from such accounts to created this new credit card account. This situation seems to me an obvious fraud that a financial institution or a public company take our personal information and create accounts without the customer 's consent.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. XXXX has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to me.
Consumer complaint received 2021-08-05
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I've tried to get in contact with Capital one for over 2 weeks. I would like to delay my payment due to Covid-19 underemployment. I was able to delay it last month and each month you have to call back to delay payment. The wait time to reach someone is over 3 hours. I've called several times and can't get through. Twice I've called, the phone was disconnected after waiting over an hour and half. The other time i was able to request a call back. I never received one. I reached out on XXXX and they said i have to resolve the issue via 1800 number. I was now issued a late fee for not paying. Other customers are experiencing the same the same thing as I. This is terrible customer service practices. I am highly disappointed in their customer service practices.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX  I received an email from the Dept of Education regarding the discharge of my student loan with XXXX. I reached out to XXXX and have been unsuccessful in removing or receiving any remedy regarding this matter.
Consumer complaint received 2021-02-20
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. (NY)

To anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NV)

On XXXX XXXX it currently shows that I owe a balance of {$1900.00} to Southwest Credit Systems who is trying to collect a debt on the behalf of 11 XXXX XXXX. I have no knowledge of the company or the original creditor. I currently have a prepaid phone plan. My identity has been stolen please help. This account was opened XX/XX/2020 according to XXXX XXXX.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have a bank loan being held up for the last 2 months due to a {$160.00} charge off about 18 months ago that showed up on Equifax report. I contacted Equifax and requested a print out of the item in question and when I received it 2 weeks later ( told it had to come by mail ), it had no more info than what I already knew which was that some commercial card vendor wrote off {$160.00}. I called back and was then told I had to fax a form in requesting who the vendor was. I did that and was told that I would get an email response within a few days. That was on XXXX and I still have not received a response. I called just now and after 15 minutes on hold I was passed to two different departments and then was told that I would have to call again tomorrow since it was now XXXX and the person I was speaking to could not get me the vendor info. This has been extremely frustrating and very poor service all along, and I still don't have a resolution.
Consumer complaint received 2022-09-29
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. (IN)

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I feel lied to by them they wrote me a letter confirming my account had a XXXX balance and I would receive my deposit for my secured card in full after calling I was transferred to multiple people horrible experience and then they said their is a balance of XXXX I said what for they dont know but I had a XXXX balance their was fraud on this account I want my deposit in full as they told me their executive office doesnt call me only writes letters and now I have to wait 3 more months this is ridiculous Ive been waiting for months for my money back
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I disputed wrongfull charges with the Chase dispute department. I was told by the Chase representative at that department all calls are monitored and recorded. I was told the items I am disputing occured more than 90 days ago. But, due to my military service, they can be disputed if they had occurred within one year. Therefore they qualify to be disputable charges. I was told I would recover all fees that were originally assessed to me and provisional credit for the disputed items would be credited to my checking account. Addionally I was thanked for my service and was told the fees would be credited back to me as a curtesy. Some were manually credited back to me from customer service and some were done systematically by the customer claims department. 
After, I received notification that the items were not disputable and all fees that were credited back to me as a curtesy would be taken back. Chase made no contact with the merchants to validate the charges were indeed done in error. Next all fees that were credited back to me as a CURTESY and imputed manually by the Chase customer service department and systematically were charged back creating my account to become severely negative. 
How is claims department changing policies? If you are crediting back fees as a curtesy then how can Chase take back what they had promised on a recorded phone call? 
Soon, the she
Consumer complaint received 2016-09-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Yesterday, we loaded XXXX for XXXX. We used the feature to download account information and transactions from Wells Fargo Bank, which worked well. Then we received an email from Wells Fargo saying our account would be charged for the download service. We had no idea that there would be a fee, given how quickly and easily we clicked buttons to perform the automatic, electronic accounting, during which no fee opt-ins were generated. So we called Wells Fargo today and said we did not want to use the service or be charged for it. The call center lady transferred us to the XXXX specialist, who said there was another way to download the data via XXXX servers, at no charge. The XXXX specialist walked us through the setup, which required precisely the same steps we originally used. We asked what she did on her side to now make the service free. She said that she had not changed anything. We thanked her for making the service free, and asked whether the call was recorded. She said it was. We then requested that she print the transcript and send it up the Wells Fargo chain, since they 've recently been slammed for setting up XXXX unauthorized credit card users, with a penalty of XXXX. If Wells Fargo wants to be successful at bait and switch, at least they need to learn how to do it right. Seems they are getting fatter and happier, knowing they are too big to jail.
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I downloaded check images because online messaging ( in XXXX or earlier last year ) said you 'd stop having check images available from switching to the new system. I downloaded everything at that time, but it looks like you had a trial period that lasted another month and the images were n't moved over to the rest of the month. I have images from late XXXX to XXXX missing. Basically all checks from number XXXX to whatever is now showing ( # XXXX ), is not available to download. Further, I/we ( with help from family ) requested help from online support and they tried to say it should be there, which is not helpful.
Consumer complaint received 2017-08-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

In the process of selling my house and need a lien release from Bank of America. A formal request was sent on XX/XX/XXXX. Have a closing date of XX/XX/XXXX and they still have yet to send the release. They have been contacted numerous times by the title company, the real estate company and myself and so far no resolution. Time is of the essence because of nearing closing date. Bank of America has had ample time to send lien release that I may sell my house.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by XXXX, XXXX, Transunion, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified.
Consumer complaint received 2016-11-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

ON XX/XX/XXXX Lexing Law firm notified me that on XX/XX/XXXX Wells Fargo had reported a 30 day late payment to all XXXX credit bureaus, and on XX/XX/XXXX there was a hard inquiry made from Wells Fargo without my knowledge. I will attach all documents that explain my complaint. I have n't had an account with Wells Fargo since XXXX XX/XX/XXXX that I closed, and was never late paying. I closed the account because of the small line of credit they offered. 
Note : just last month Wells Fargo had at to pay {$180.00} XXXX dollars in fines in lieu of a scandal of opening fake accounts. Just in PA alone there was XXXX fake accounts opened. I hope im not a victim of this scandal. 
XXXX to this above mentioned news is : The Morning Call reported by XXXX XXXX XXXX
Consumer complaint received 2021-04-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (NY)

In XX/XX/2021, I received the U.S. Bank ReliaCard for Ohio unemployment benefits. I did not apply for any unemployment benefits with Ohio or any other state. I reported this unemployment fraud scheme to U.S. Bank on XX/XX/2021. I was advised by the US Bank fraud agent to file an online fraud case and supply an ID Theft affidavit, which I did the same day. I also advised the Ohio Unemployment agency about this fraud. As of XX/XX/2021, I have not received written confirmation from US Bank that the fraud claim was received, that it was investigated, and that the debit card was inactivated and closed.