davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (VA)

My family and I are traveling on XXXX XXXX from the XXXX XXXX to California ( all day traveling ). While attempting to pay for my car rental reservation, we were surprised the company required an additional {$13.00} for the car. According to the rental company at the airport, they could only charge one card once. I called Wells Fargo requesting help so they will honor the additional {$13.00} for my family food and a bed to sleep on. The agent was adamant that because I have a secured card there was no way they could increase my limit for the transaction to go through. Despite me having plenty of money in my checking account and having this card opened for almost 10 years if not more. Seems to me that all wells Fargo cares about is making money instead of the well being of their customers. I cant imagine how difficult it would have been for them to allow a ONE TIME exception to help a stranded XXXX XXXX military family.
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XX/XX/2015 XXXX XXXX XXXX  {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a
Consumer complaint received 2022-10-13
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. (AZ)

It has been a battle going through this and I am sending a complaint to delete the following fraudulent 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 or accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that CREDIT BUREAU immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605b. Please delete the following accounts as soon as possible : XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2019-02-02
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: DISCOVER BANK (ID)

I purchased a hot tub from XXXX XXXX on their web site. On XX/XX/2018, I was charged {$2800.00} for the hot tub. On XX/XX/2018, I was charged again for the same amount of {$2800.00}. These charges were billed to my Discover card. I called Discover right away when I learned of this duplicate charge and they opened up a dispute case. They eventually closed the case in XXXX XXXX favor leaving me stuck with a double charge to my discover account. Since then I have reopened this dispute several times with the same outcome. Everyone I have spoke with at Discover customer service agrees that this is obviously a duplicate charge yet this remains unresolved almost a year later. Every bit of documentation proves the case in my favor and yet they still determine the charges to be valid. The documentation provided clearly states that I purchased and received 1 hot tub. My billing statement clearly shows I was billed twice for 1 product. I do not understand why they don't get it. Discover even said that the two charges both have the same unique transaction number that is attached to purchases. This case should have been resolved 10 months ago in my favor on that bit of information alone.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (DE)

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX*** ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NV)

XX/XX/XXXX I received a letter from this company stating I received services from " XXXX XXXX  XXXX XXXX '' on XX/XX/XXXX with two service charges of {$890.00} for that date, and XXXX for {$890.00} with a total balance due of {$2600.00}. 

This is completely frivolous and I am tired of going back and forth with collection agency after collection agency regarding this medical collection account. 

To begin with, WHAT SERVICES WERE RECEIVED? I WOULD LIKE TO BE PROVIDED THIS CONTRACTUAL AGREEMENT BETWEEN ME AND THIS COMPANY SHOWING MY SIGNATURE IN AGREEMENT TO WHAT SERVICES WERE RECEIVED. I AM DUE THIS ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 623 B. 

Stop connecting these medical accounts to me. I have not been to a hospital to receive any medical services and your inability to provide an original consumer signed contractual agreement showing services received and bearing my signature on it, proves that! Further reporting without producing this document will put you in FULL VIOLATION of The Fair Credit Reporting Act! LEAVE ME ALONE!! 

Be aware that a printout of a bill or itemized document does not constitute verification. I am once and for all requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Should you choose to not comply of federal laws under the Fair Debt collection practices act, the Fair Credit reporting act, and the corresponding local state laws, I further remind you that you may be liable for your willful non compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the fair debt collection practices act ( including but not limited to section 807-8 ), violation of the fair credit reporting act ( included but not limited to section 623-b ) you will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I paid off an account that I wasnt aware of and wasnt on my credit report. The correct account is still unpaid-they wont transfer the funds from the incorrect account to the account that is on my credit report. The account they had me pay is from 9 years ago and I contacted XXXX they verified the incorrect account is not in there system with my social security only the one that is on my credit report. It was never indicated to me there were 2 accounts under my name from XXXX.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (NJ)

I mailed my payment in XX/XX/2020 to the address XXXX XXXX XXXX XXXX PA XXXX. So far my payment has not been applied. I messaged the firm in the online portal. At their request, I emailed the money order copy with the money order ID number to the email address XXXX. I have not heard from them so far. I messaged multiple times and called. Last week, I called. The agent XXXX ( or XXXX ) emphasized that there was nothing she could do to find the payment and implied I could make another payment to avoid the late fee. I am enraged.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-08-23
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: BARCLAYS BANK DELAWARE (CA)

I talked with several Barclay representatives. The last one, XXXX, explained to me they made a sole discretion to recharge me for a portion of disputes from many months back. This card has been a headache with these disputes. It shows a huge credit amount but they billed me again for almost XXXX.
Consumer complaint received 2021-09-03
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: HYUNDAI CAPITAL AMERICA (OR)

I went into a dealer to buy a car and the salesman turned me away before running my credit and asked me to leave so I don't understand how they could run it when they told me they weren't going to because they didn't want to sell me a car
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON THE INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY REPORTS AS SOON AS POSSIBLE.
Consumer complaint received 2022-10-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing ; thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-12
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. (IN)

What affected my getting a refinance loan stated these items : Too many finance company accounts, Insufficient or lack bank account information, Recent delinquent remitted on accounts, Too many delinquent accounts! NONE OF THIS IS TRUE I ONLY OWE ON TWO ACCOUNTS! XXXX XXXX XXXX XXXX and XXXX and they are not delinquent!! Please correct these factors and send me a copy of my credit report please. The report was from Equifax Credit Information services. Credit was checked by XXXX XXXX on XXXX XXXX
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I have a secure line of credit with Rushmore Loan Management Services. My credit line, with my house as collateral, is $ XXXX. The balance remaining on this line is now $ XXXX with $ about $ XXXX amount that is not used and remaining. In recent days access to my line of credit was denied by Rushmore for no apparent reason and no prior notice. My line of credit is fully secured with my house which at this time has over $ XXXX of equity. I even did not find out about being denied access to my credit line until they returned a recent check. My original line of credit was established with XXXX XXXX XXXX  and later sold to Rushmore. It seems Rushmore is not a very legit company. I XXXX and found multiple law suites against them with one by a Florida woman who claimed that Rushmore Loan Management Services committed numerous violations of the Fair Credit Reporting Act.

Is there a way out of this? I never thought i would be denied access to my own money specially with a credit score of over XXXX.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (AZ)

I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Recently, I'm requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-13
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)

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.
Consumer complaint received 2021-01-12
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. (AL)

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

My wife and I opened an Everyday Checking using the their website as new customer to get a {$200.00} bonus. We met all the requirements and they still haven't deposited the bonus. I called 2 times explaining the situation and they told me they would resolve it and give me a call back at today XXXX XXXX at XXXX XXXX  EST to let me know this was resolved. I have yet to get any contact back from them and I'm very frustrated as this in my opinion is fraud and false advertising. To top it all off the system has been down from from XXXX XXXX EST this morning until now.