davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
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. (VA)

I have tried several.times to dispute my Equifax, XXXX  and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to XXXX  website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

Equifax does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.
Consumer complaint received 2024-03-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: BROKER SOLUTIONS, INC. (MN)

I REPORTED A CLAIM TO MY INSURANCE COMPANY ABOUY HAIL DAMAGE THE SENT AND INSPECTOR, TO APPRAISE THE DEMAGE AND SENT A CHECK! MONTH LATER DEALING WITH AMERICAN FUNDING. i FINALLY SUBMITTED THE CONTRACTOR BID AND EVERYTHING ELSE THEY WANTED, AMD THEN MY INSURANCE WENT UP AND THEN THE MORTGAGE COMPANY GAVE THE INSURANCE, ESCROW MONEY THAT i HAD ON THIER ON ACCORD {$1800.00}. WELL i FINALY RECIEVED A PORTION OF THE CLAIM WHICH WAS {$1200.00} WHICH DOSEANT EVEN MEET THE REQUIREMENT FOR THE MATERIAL.

NOW I DONT HAVE A CONTRACTOR BUT A LEAKY ROOF! i HAVE {$65.00} IN EQUITY IN MY HOME SO TO SEND ME A THIRD BECAUSE i WAS LATE # PAYMENT BUT MY MORTGAGE IS BEEN CAUGHT UP AND ON TIME FOR NOW 120 DAYS i THINK THIS IS UNFAIR ALL THE WAY AROUND.
Consumer complaint received 2024-03-12
Product: Credit reporting 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: ALLIANT CREDIT UNION (MI)

I called the number listed on the letter I received the person told me to call back when I could get online. When I called back they refused to take my call and I am still unable to get online or access my account in anyway. Also they refused to take my concern about lost debit card. They played games with me that were abusive to my XXXX XXXX. They kept paraphrasing me in a sarcastic tone and in an abusive manner. They discussed my account without me ever identifying myself. I recorded the call as per local law and informed them I was recording it.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (ME)

I received an email from American Express on XX/XX/12 @ XXXX hours ( EST ). The email requested I contact American Express, via XXXX, reference my application with them ( Ref : XXXX ). However, I never submitted any information or application with American Express before or recently. This activity was undoubtedly fraudulent. 

I contacted American Express fraud department, via the number provided, and reported the matter. I requested a fraud report # with them and they advised the reference #, mentioned above, was their fraud report #. I also requested what information was submitted on the application. I learned the following, but not limited to, were exposed/submitted : my name, DOB, and email. American Express fraud department told me they would further report the matter to the appropriate governmental bodies ( FTC/credit bureaus ).
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (PA)

Despite my repeated attempts to resolve this matter directly with Comenity Bank, they have failed to honor my request to delete their account from my consumer credit report, thereby violating my rights as a consumer. 
On XX/XX/21, I made a complaint against Comenity Bank regarding an account listed on my credit report. Comenity Bank responded by informing me that they had not canceled the account but rather charged it off for non-payment and sold it to a third-party company. 
In response to Comenity Bank 's refusal to delete the inaccurate reporting, I have filed an identity theft report with the Federal Trade Commission ( FTC ) in accordance with 12 CFR 1022.3 Definitions, which defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. 
I demand that Comenity Bank immediately delete their reporting of this account from my credit report. I want to emphasize that I take matters of inaccurate reporting and identity theft seriously, and I am prepared to pursue legal action to seek justice for the violations of my rights. 
If a resolution is not reached promptly, I will have no choice but to pursue this matter through the appropriate legal channels. Please consider this letter as a final opportunity for Comenity Bank to rectify this situation before I proceed with legal action. 
I have enclosed copies of relevant documents, including Comenity Banks inaccurate reporting reflected on my 3 bureau consumer credit report and the identity theft report filed with the FTC, for your reference. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instructions
Consumer complaint received 2022-07-14
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)

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, Equifax, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-07-14
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. (CA)

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, XXXX, and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-05-24
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. (AZ)

Ever since I submitted my complaint against Experian ( XX/XX/2020 ),  they have required that I two-step verify EVERY SINGLE TIME I log in to Experian. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using Experian, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, XXXX  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hi there my name is XXXX XXXX. 
On the dates from XXXX I was fraudulently sent money over XXXX through Wells Fargo to an unknown person. They have blocked me from several numbers and Wells Fargo hasnt denied claim I submitted. Total Amount is {$3500.00}. The number I XXXX was XXXX. I hope you guys can help me get back my hard earned money as I have a XXXX year old daughter and rent I am solely responsible for. I appreciate your time XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX XXXX, on XX/XX/year> a Monday, making this email submittal complaint to contact Bofa prepaid at XXXX, about the error codes XXXX when trying to make a XXXX XXXX with bank of america at XXXX ext XXXX. My account XXXX Card is blocked by the Error Code on the bank computer system of Bank of America prepaid emergency cash transfer from receiving/ sending they could not make a XXXX XXXXXXXX transfer in my name to pick up and access cash in my Bank of America account for consumer protection and enforce the compliance of the consumer agreement to pick up XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PREFERRED CREDIT INC (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I have been fighting this for a few years now this is not my account Ive never used it I never opened I have asked for them to send me proof which I my right I want original documents proving this is mine. And no response. It keeps getting sold from one company to the next and no one will help me they have the originating date in 2010. So I have been fighting this for a long time now its not mine. I have no paperwork as I have just lost everything I own in the flash flood on XX/XX/XXXX.
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NY)

I had XXXX  and got a loan from XXXX. I fell behind and the loan went into collections. After some time I forgot about it. I tried to call them when I ran my credit and saw it. The redirected me to speak to sequium. I called them and paid my debt. They have not updated this on my report. I received a letter from them but when I call them and XXXX I keep getting the run around. Im trying to obtain a mortgage loan and because this is not updated I am having problems. I dont know what else to do.
Consumer complaint received 2024-03-12
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)

Dear LVNV/Resurgent, I am writing to address a matter of utmost importance regarding a debt purportedly associated with your organization, which has been reported on my credit report. This debt, as communicated by LVNV/Resurgent , has significantly impacted my creditworthiness and has caused reputational damage. 

In 2022, upon receipt of correspondence from LVNV/Resurgent claiming an outstanding debt, I immediately disputed the validity of the debt and requested validation, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, LVNV/Resurgent has failed to provide any documentation or evidence substantiating the validity of this debt. This lack of validation not only violates the FDCPA but also raises serious concerns regarding the accuracy and legitimacy of the reported debt. 

Furthermore, the continued presence of this debt on my credit report has resulted in significant harm to my reputation and financial standing. It has affected my ability to secure credit, obtain favorable interest rates, and pursue various opportunities that rely on a favorable credit history. This situation has caused undue stress and hardship, constituting a form of harassment and unfair treatment. 

In light of the aforementioned circumstances, I hereby request that LVNV/Resurgent take immediate action to remove the disputed debt from my credit report. Additionally, I demand that all collection activities related to this debt cease until proper validation is provided in accordance with the FDCPA. 

Please consider this request as a formal appeal for resolution and a necessary step to rectify the unjust impact this debt has had on my creditworthiness and overall well-being. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

Was notified by Citibank they thought a fraudulent charge was made to my XXXX on XXXX XXXX I called as requested stated I had not traveled to XXXX  and did not make any purchases on the card except from XXXX which was paid off in full I provided Homeland security statement if No Travel using my passport Provided computerized county work record for the month in question showing I was at work also provided a copy of FBI report I filed They will not change their mind XXXX even tried to assist but were unable to overturn Citibanks decision The bill is now {$500.00} more that at the beginning I did not make these charges My almost perfect credit rating is declining at a very fast rate My XXXX score has dropped by XXXX points I am over XXXX XXXX XXXX I feel this is elder abuse identity theft and I feel very violated by Citibank Please help
Consumer complaint received 2020-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Propel, Inc. (CO)

Providers sent me a card in the mail. They suspended the my account before I had a chance to use the card because of suspicious account behavior... how never used the card. I wished to cancel the card and they wanted information about that to
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> I received an email from Chase Bank saying my checking account was restricted. I called the bank and they told me they had closed ALL of my accounts. They would not provide a reason. I work as a humanitarian and am currently in XXXX helping feed the people of XXXX. They left me in quite a bind, and without any information as to why. I have been a loyal Chase customer for over 20 years, have an XXXX XXXX XXXX, never any legal problems and work with a well-known humanitarian org. Why did they close my accounts after so long and without disclosing the cause? My speculation is that because I work in humanitarian aid, I travel to conflict zones and natural disasters. All financials related to this work are available for public review due to the non-profit status of my org.
Consumer complaint received 2022-11-18
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. (FL)

XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer.

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instructions, According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.