davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX  account and fraudulent hard inquiry to be removed from my XXXX, XXXX and Experian credit report immediately.
Consumer complaint received 2022-04-10
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: Transfinancial Companies, Inc (LA)

Transfinancial has ruined my life. Ive been reaching out to them for months. They keep reporting the same medical bill on my credit report twice. Same date same amount, I have proof.they are violating 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 2022-08-02
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)

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. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2022-04-10
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: Staunton Financial, Inc. (MI)

On XX/XX/2022 around XXXX, I was contacted via email by XXXX XXXX from John Adams Mortgage Company regarding refinancing my existing mortgage. The email from XXXX XXXX was unsolicited, as I had not previously contacted XXXX XXXX nor any other representatives at John Adams about refinancing. 

I replied once to XXXX XXXX 's email on XX/XX/2022 that I would be interested in exploring refinance options and asked what my options would look like. By XXXX, I received a refinance quote from XXXX XXXX XXXX Within minutes afterwards, I was notified that a hard inquiry was done on XX/XX/2022 by mortgage lender XXXX XXXX. 

This occurred within an hour of XXXX XXXX 's unsolicited email about a refinance opportunity. I was never informed that this would involve a hard credit pull, nor did I ever consent to XXXX XXXX or anyone at John Adams doing a hard inquiry into my credit. If asked, I would not have consented to a hard inquiry. 

My conversations with XXXX XXXX on XX/XX/2022 were exclusively over email, which I have uploaded with my personal information removed.
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

EVERYTIME, I DISPUTE THE ALEGED ACCOUNT WITH MIDLAND FUNDING, THE AMOUNT CHANGES {$1.00} INCREASE THEN A COUPLE DAYS LATER {$1.00} DECREASE AND IT EFFECTS MY CREDIT SCORE AS IF I MISSED A PAYMENT. I'VE DONE RESEARCH ON THE COMPANY AND THEY HAVE MANY COMPLAINTS OF UNFAIR PRACTICES AND LAWSUITS REGAURDING THEIR COLLECTION ATTEMPTS.
Consumer complaint received 2022-04-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

i had an account with td bank, some reason they closed my account, i contact with there branches but no one doesnt fix my problem, when they closed my account that my i had {$2300.00} something in my bank account, tb bank branch officers dont know where is my money, after that i go there defarent branch like XXXX of them, one off the branch officer give me case number and phone number to contact with her, i call her everyday she doesnt pickup and she never call me back. so still i dont know why they close my account and where is my money, thank you date was XX/XX/2020
Consumer complaint received 2022-04-10
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-23
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)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 Balance : {$200.00}
Consumer complaint received 2022-08-02
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)

It has been a battle going through this and I am submitting this 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 nor 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 showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

I recently reported inaccuracy of a 30 day late payment reported on my credit I actually reached out to The company and also credit reporting agency XXXX XXXX and after their so-called investigation they did not provide any proof of accuracy of this item I would like to have this item. My credit report
Consumer complaint received 2023-04-13
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)

I received a letter from XXXX on XX/XX/XXXX, stating that Equifax was supposed to remove all information related to the bankruptcy and public records because it could not be verified. Please see attachment.
Consumer complaint received 2023-12-06
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: ALLY FINANCIAL INC. (MD)

Ally reports late payments on my credit report without consent or proper notification to deem payments " late. '' They have lied to me stating they would be removed via phone then send correspondence stating they are " accurate '' without sending documentation related to investigation or documentation showed that notification was sent 21 days prior to due date as required by Truth In Lending Act.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

I requested to our mortgage lender to remove XXXX, based on the value of the home. I ordered an appraisal on XX/XX/22. Between the date of ordering and XX/XX/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha ( FNBO ), is named XXXX XXXX. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me its not really a problem because if its approved, well retro this to when you asked, and credit the XXXX back. I told her this is an unacceptable answer, and its taken far too long. She agreed it had taken too long, but said she had no way to escalate this, or follow up. Come to find out a few days later on XX/XX/22, the appraisal was never accepted by anyone to do it. Even though someone came out to take pictures and measure the exterior of the house for the appraiser. This is ludicrous. She then suggested instead we do a XXXX, as it will be done by a local real estate agent. On XX/XX/22, she told me that when she ordered the XXXX, it cancelled our place in line for the appraisal, but she thought the XXXX would come back quickly. Nearly another month has passed, as it is now XX/XX/22 and we are no closer to reaching a resolution than when I started this months ago. There must be some path of recourse. This seems outrageous that a lender can simply say they have no way to check on this, no clue on when it the process will be completed if ever, and continue charging me every month for XXXX premiums that are unjustified.
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (FL)

I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX 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 2022-09-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Thursday, XX/XX/XXXX, I logged onto my Bank of America account in the morning. I noticed two accounts that were listed that were not mine, each with a XXXX balance. After calling BOA, I learned that the accounts were set up by someone using my social security number and name, yet a different address. These fraudulent accounts were linked to my current account at BOA. After speaking with several people in the fraud department, no one is able to tell me why they would allow an account with my information, yet a completely different address, to be opened and then linked to my current account. Additionally, although I have all the alerts and 2-factor authentication set up, neither was sent to me. Had I not logged on that morning, it appears that the fraudulent accounts could have taken the money out of my account. BOA 's message, when on hold, was that they take security seriously and that address changes need to be verified. It is beyond my understanding how they would allow someone to set up an account with a completely different address than listed on my account. As a client of BOA since XXXX, my address has remained the same this entire time. It is frustrating to think that although I have as much security as they offer on my account ( alerts, 2-factor authentication ), they did not verify an address when linking a fraudulent account to my existing account.
Consumer complaint received 2022-09-19
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. (SC)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

Purchased card on XX/XX/2022 at XXXX at XXXX XXXX XXXX XXXX in XXXX, Connecticut at XXXX XXXX. Went outside ( XXXX ) to order XXXX XXXX XXXX for Saturday XX/XX/2022 and card was denied. Was told by XXXX XXXX XXXX that I needed to call day of in order to use the gift card. On Saturday, XX/XX/2022 at XXXX, I tried to place an online order but was denied again. I called in the order when they opened at XXXX XXXX  and the card was declined again. Later on ( XXXX XXXX ) after our gathering, I placed a call to Vanilla Gift Cards Customer Service ( XXXX ) and had them look into the issue. The gentleman explained to me that the card had a pending charge of {$60.00} to a gaming company ( XXXX  ) in XXXX XXXX, Nevada that took place on Friday XX/XX/2022 at XXXX. I told him that I did not make that transaction and he took the number down and in seven days to call back and the issue would be resolved. I called back on Sunday XX/XX/2022 at XXXX XXXX to find out if the issue was resolved and was told by the Customer Service representative that it was never filed. She asked me the same information then told me that they would send me by email a form asking me the same questions and it would take 45 days for the company ( XXXX ) to respond and it would take a total of 90 days for another card to be issued if indeed they could recover the {XXXX}. I don't understand how this company can do business without it insuring that issues like this don't happen consistently and how they are not investigated for such things? I don't understand how the online gaming industry is not investigated for these issues either? There needs to be some kind of protection for the consumers. Now I have to wait 90 days to get my hard earned money back and that's even if I can, is ridiculous.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

I applied for the American Express XXXX card, I was denied due to my credit report. I know that credit reporting is voluntary according to CFPB 3.1.1 Furnisher Incentives and Disincentives. This was a private transaction and involuntary information was used to determine eligibility. I never provided written consent for the information that was used to be furnished on my consumer report. Therefore I was discriminated against by American Express
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Roughly on XX/XX/2022, I got a call from bank of America fraud department stating that a credit card/bank application was open in my name and to see if a current charge was made by me. I told them that i never opened a bank of America credit card and that charge was not me. The charge / credit card was that was fraudulently opened was in XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX. This is not my address. There was 3 variations of this XXXX XXXX address on my credit report that the fraud used. I live in XXXX XXXX, CA. not in XXXX, CA. 

I was also told that they tried to open a checking account under my name/ social security. I got a call today XX/XX/2022 by XXXX  XXXX asking if the new application for a bank account was made by me. I told them that i did not apply for anything from XXXX  XXXX. After this call with XXXX  XXXX, i went on XXXX, XXXX and XXXX to freeze my credit reports. While on XXXX, i see that there were multiple attempts on XX/XX/2022 to open an account w/ 3 other banks. I went to Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to speak to a banker. They verified my identity and was able to help me block credit card that I did not open and advised me to file a police report. Bank of America Banker told me the profile under the fraudulent credit card had my same Social security number, name and employer. The fraud used a different address and occupation. They listed the address in XXXX, CA and the occupation as a Nurse. However, my employer, XXXX XXXX is a XXXX diagnostic company and do not employ nurses currently to the best of my knowledge. I believe someone is trying to steal my identity and open Credit card/ bank accounts in my name. My credit score has dropped XXXX points in the last month. 

On XX/XX/2022, I received a letter from discover stating that discover credit card application was received in my name/ social security number. On XX/XX/2022, i called discover to let them know that the application was due to identity theft and was made fraudulently.