davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2021, I was contacted by an anonymous woman on XXXX claiming to be a sugar momma and was willing to pay me {$400.00} a week while sending a remaining {$2100.00} to her child and grandmother. On XX/XX/2021, I received a check for {$3000.00} dollars through email from this anonymous woman. I then made a mobile deposit using the check into my account. I then did a XXXX search on this scenario and found out that it was in fact a scam and that I was at risk of going to jail for fraud.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Scammers email : XXXX Scammers alleged name on XXXX : XXXX XXXX Scammers website : XXXX XXXX XXXX I was looking to get a puppy and found this site that looked legitimate for a puppy. I contacted and was emailing the on company on XX/XX/XXXX. After a few hours over talking over email he asked me to XXXX him {$1400.00} to get the puppy on a plane to me. So I did via Wells Fargo to XXXX. He then sent me a fraudulent airplane ticket through another puppy servicer for airplane rides. It was saying the crate was not approved and I needed to pay more for a new one. When I asked about this he said the puppy was at the airport waiting to picked up but I needed to pay more for a new crate. I did not though because I called the actual company and they said it was a known scam. 

This is so much money lost. And Wells Fargo is refusing to help me and im so heartbroken over this. Ive been with this bank for a decade and this one mistake I made they wont help me with. Please help me recover these lost funds. I was truly scammed. You have all the info above and can see for yourself if you contact him. Plus the pictures of the puppies never change. I can send all our communications we had via email too.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

My billfold stolen XX/XX/21 at XXXX XXXX, XXXX, NV. I immediately called the XXXX police and filed a report ( XXXX ), then I contacted all the credit cards that I could recall were in my billfold, as well as contacting my two financial institutions. There were charges attempted and a few successfully with my cards. Macys is the only card I am continuing to get threats, payment requests, and continuous phone calls. I have written and called Macys and received a letter that the issue was resolved, and there was theft/fraud.

I do not understand why I am continuously asked to pay for something I did not Purchase, I have sent several payments because I have been told I will be reported to all three credit agencies.

I have never activated a replacement card which Macys sent me, yet the charges on the stolen card were transferred to this new account. I have repeatedly requested all monthly statements to date from Macys, and so far have received none. I am at my wits end, I dont want to continue to pay for a theft from me. Please advise what I can do next to resolve this issue.
Consumer complaint received 2021-10-26
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: FC HoldCo LLC (TX)

I gave XXXX XXXX my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I opened my account on XX/XX/XXXX. XX/XX/XXXX I was alerted by a representative from Wells Fargo that my account had suspicious charges. A claim was filed. After talking to 15+ representative, one representative assured me that the {$720.00} would be refunded back to my account within 2 days. Instead, I received a notice saying my claim was denied. When i called to speak to a representative I was told that even with proof my claim would not be able to be appealed. I asked for proof from Wells Fargo regarding their decision and received nothing. This was a new account. I have yet to receive a debit card for this account!
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I believe that Citibank/Citi Cards did not resolve my dispute within the time limitations of the governing Act set forth to protect me. Since XX/XX/2018, I have made several and ongoing requests by telephone, electronic and certified mail requesting : ( 1 ) documents/communications pertaining to disputes ; ( 2 ) arbitration ; and ( 3 ) that my credit card be closed. 

I have been and continue to be directly damaged as they took so long to reach and communicate their decision to me. To date, I have not received a response from Citibank regarding my many requests. 

Can you please help me?
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (PA)

XXXX XXXX a thief opened up an account at XXXX XXXX XXXX XXXX. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX cents. I called the collections agency MS services LLC. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling XXXX XXXX XXXX XXXX to dispute this. I called XXXX to file a dispute charge on this. Please help me clear this.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

In XXXX of 2022 I changed my XXXX account and after doing so I no longer had access to my Apple Card ( this is a XXXX managed by Goldman Sachs ). You can not switch the card from one XXXX account to another so I asked to cancel the card. There is no phone number to call and the only way to communicate with the company is through text messages. on XX/XX/2022 in spite of spending an hour texting back and forth they would not cancel my account.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I filed CFPB Complaint # XXXX on XX/XX/2021. Equifax still has refused to remove the FRAUD ALERT that they put on my credit profile. They falsely claim on my credit report that I requested the fraud alert. They did it by themselves without my permission. 

I am being damaged daily by the fraud alert still existing and I can not use my credit as I please because of it. 

Remove the fraud alert immediately. 

I also requested that previous address that are not mine be removed. Equifax refused. Remove the address immediately so that other people can not use my credit.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.
Consumer complaint received 2021-10-25
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. (NJ)

I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to XXXX  and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.
Consumer complaint received 2021-10-25
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. (WA)

I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2022 I did a balance transfer from XXXX for {$3200.00} which was correctly debited to my Barclays account. XXXX days later, on XX/XX/2022 another debit for the same amount appears on the activity. They doubled up the balance transfer and won't refund or credit the additional {$3200.00} to me. I have called XXXX times and always get a run around like call back later or that I'm mistaken. I have tried to resolve this but to no avail. Please help- XXXX
Consumer complaint received 2022-09-30
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. (DC)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a 609 dispute letter to XXXX, Equifax and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.
Consumer complaint received 2021-10-25
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (TX)

I left school and contacted Fed loan servicing by phone to set up a payment arrangement. We agreed on a payment on the XXXX of that month. Before the XXXX came I received 11 late pays on my credit reports. I contacted them back and even was paying on time and they wont remove the 11 late pays. If I wouldve known that was going to happen I wouldve paid the day I talked to them on the phone instead of waiting for the payment date they set up! All I want is the 11 late pays removed of my credit reports. They say I missed 1 payment. But they have it split into 11 accounts. I would like these removed please. Thank you for your consideration.
Consumer complaint received 2021-10-25
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. (GA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I. Booked a XXXX XXXX XXXX  This past XX/XX/2021 through XX/XX/2021 for a 7 day round trip XXXXXXXX XXXX XXXX XXXXXXXX this was my 3 rd consecutive XXXX  with XXXX XXXX line while already on XXXXXXXX XXXX XXXXXXXX XXXX  I physically went to customer service desk. Initially Inserted my XXXX XXXX XXXXXXXX Credit card fir {$2400.00} XXXX the customer service. XXXX employee told me my XXXX  XXXX XXXX credit card was not read And they couldnt bill. It asking me for another form of payment in which I gave XXXX  my Chase Debit card which was read debiting my chase debit card {$2200.00} which was read and went through. When I flew back home in XXXX XXXX California I received both my XXXX  XXXX XXXX credit card statement showing infact XXXXXXXX XXXX XXXX  did charge my XXXX  XXXX XXXX credit card in the amount of {$2400.00} when they denied the purchase went through. Double charging me for the same cruise as they also debited my chase debit card for {$2200.00}. I have called XXXX XXXX  for a apology as well as a credit letter from them Explaining why they charged both my banking cards. For the same identical cruise I have provided proof copys of my XXXX  XXXX XXXX charge to chase bank as I disputed the {$2200.00} XXXX  debited my debit card. 1 week ago where chase XXXX of XXXX XXXX  manager XXXX XXXX Chase central Claims headquarters my proof of the double charge XXXX double charged me in my XXXX  XXXX XXXX card yet over a week later Chase. Claims headquarters says they have NOT received my proof. I find this rather ODD a fax takes only minutes not days? I need your help. Since XXXX  refuses to return Chase banks numerous calls. About XXXX  double charging me as well as chase headquarters Claims. Saying they havent received my proof of double billing for the cruise I spoke and emailed XXXX  about the problem and received no explanation of responsibility nor a Apology
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX called me 4 days ago. They also called my husband my mother in law and my husband 's uncle. Who knows who else. This seemed incredibly invasive considering his uncles name and phone number is no wear near anything we own/have any debt on etc. They called me about an account that apparently had like XXXX I needed to pay. They had it under my old married name which is incredibly weird considering the apparent date it was opened which was XXXX. Me and my husband got married in XXXX why would I open anything I'm my madien name. They gave me an account number which I called the bank about and they can not find that account in their records or in collections. My credit report has no records of it. They have said mail and email has been sent out but we have not received anything. Nothing is adding up at all and it's all super sketchy and 100 % feels like a scam.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-14
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. (TX)

I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request. 

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.
Consumer complaint received 2021-10-25
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-24
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. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.