davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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. (IL)

I had a XXXXXXXX XXXX XXXXXXXX Credit Card, I had to file a bankruptcy and out of the XXXX XXXX reported to Equifax that I was Deceased. I have pulled other credit reports and XXXX is listed but only reported to Equifax that I was deceased. I contacted Equifax and that is how I found out. I did what Equifax asked and sent them information. I also sent the Information to XXXX. Each time I contact Equifax it ends up with me getting so upset -- first they said they received the paperwork and I believe they did as they started reporting my credit for a week or so. Then they were back to not reporting. So I called again and they said that XXXX had once again reported me deceased and they were reporting it monthly. I went round and round with Equifax and they keep me temp locked out of my account -- I filed a dispute like they told me but then can't get back in to check. Each time you call them you get a different person and they all say different things. I have talked with XXXX and they helped me out after I sent paperwork. I have messages in my XXXX account where they said they sent the info to Equifax in XXXX of 2021 and yet Equifax ( XXXX ) told me just yesterday they have not received anything from XXXX -- but then again he told me that I never sent them anything either -- but I did. He was of no help, would not even try to get me online to my account, it ended up badly with me cursing before I hung up. I called back today and got a woman, I could not understand her and she would not repeat her name. She said she would start a dispute for me over the phone after she got me signed back into my account. First of all she had the e mail wrong -- not sure how after they have sent me stuff forever but today magically it was wrong. When I corrected her she then said that she could not let me in the account as my e mail was registered to XXXX ( XXXX ) but I told her it is not, I had this e mail way before I was married to XXXX -- we even went online to double check that somehow he was not attached to it and he is not -- all info is in my name -- the account was made years ago. Then she went on to say that the Equifax account was also in XXXX 's name -- it is not. I made the account to deal with this issue. I keep getting the run around. I complained to the XXXX  and Equifax came on with the same ole same ole saying that I need to call them or to sign in online -- neither of those help and I have called multiple times only for them to say I have not called and I still can not get online. I just want Equifax to check this -- all the other credit agencies are reporting my credit correctly -- XXXX has reported to them and I do not see anyplace other then Equifax that it says I am deceased. I believe that Equifax got the information from me and XXXX but for whatever reason they are not fixing the problem.
Consumer complaint received 2020-09-14
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. (FL)

I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CO)

In accordance with the Fair Credit reporting Act, XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I had recieved a letter from Apple Bank telling me that I had an account that was in danger of being given up to the state due to inactivity. Upon receipt of this letter i visited the XXXX branch of Apple Bank in XXXX XXXX, NY and attempted to access the account information. I was able to learn that this was a Custodial account opened at least a decade ago by my mother with me set as the beneficiary to recieve the funds when I became an adult. Now, being XXXX XXXX XXXX the Custodial account should have been transferred fully into my name as per the UTMA ( Uniform Transfer to Minors Act ). However, Apple Bank now refuses to allow me to have any information about the account but will allow my mother to withdraw all the funds even though the XXXX clearly states that the funds should now be in my sole control and that no withdrawal shall be made that does not benefit the beneficiary.
Consumer complaint received 2021-09-22
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: OneMain Finance Corporation (TX)

Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX One Main Financial XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2022-07-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (SC)

I purchased the car ( XXXX XXXX XXXX ) in XX/XX/XXXX. The dealer 's website advertised/implied a 3month/3000 mile warranty on all vehicles or 6/6000 for veterans ( which I am ). I owned the vehicle for 6 weeks and 2800miles before a major mechanical failure occurred. The motor was blown and the repair estimates ranged from XXXX to XXXX to replace. I contacted the dealer and they stated that the car was purchased as is with no warranty, they could only offer to provide a used motor at my cost if I needed the assistance in locating one. After several weeks of trying to work with the dealer and repair facility for a solution, I notified the finance company ( Ally Financial ) of the situation. The notice was made before my next payment was due. I explained to them the situation and asked if they could help as I did not want to return the vehicle or have a repossession. Ultimately, they did not offer any solutions leaving me to be forced to purchase another vehicle so that I could continue to work and provide for my family. Afterwards they still continued to call and try to collect the payments, even though I asked them to pick up the vehicle unless they had a way to assist me. Finally, almost 8 weeks later, they picked it up from the service facility. Since then, I have only received a confirmation ( 1st week of XXXX ) that they had possession of the vehicle, but I have had no correspondence or phone calls from them since then. They have since reported derogatory information on my credit bureaus without notifying me of any options to resolve the account. I feel as though the dealer and the finance institution left me in a disparaging situation, by not providing me any options or solutions to my concerns. I clearly stated to the staff at Ally and the manager of the dealership that I did not want to give up the car or, default on the loan, but neither offered any reasonable assistance. I really need assistance in resolving this matter.
Consumer complaint received 2022-05-02
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. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (UT)

currently I am out of work and have been unable to pay the loan until I get tax returns, and for their collection methods they have an automated calling system that harasses me by calling using an automated call system random phone numbers that have no indication that they belong to affirm, and if you try calling them back they don't exist. I have tried to ask them to stop calling me ( happens upwards of 3-6 times a day, despite if I picked up the last time they called ) but they say " the only way to stop it is to pay the loan '' which I believe is against the FDCPA, not to mention the fact that the calls are automated, so sometimes the call doesn't even go through.

I have been incredibly sick after getting XXXX  and these calls have been interrupting what little sleep I can get on any given day have made me miss important calls from family and even from doctors all about a small loan that I had requested time to pay and for them to stop calling. which they refuse to do because their system is built to harass their debtors relentlessly. this practice by them needs to stop. it is utter harassment, I can't just turn my phone on silent all day because I have a life outside this XXXX  debt, I have missed emergency calls because of this harassment that I can not do anything about. 

I have requested them to stop repeatedly over the past few months but no, " our system won't let us stop the calls '' the loan itself is XXXX and I have been out of my job since XXXX only able to pay a small amount at a time la XXXX $ every so often as I can get money from small work I do for my family. I have asked them to stop multiple times once immediately as soon as I realized they were going to call me every day. but again they can't stop the calls apparently which either is a big lie or a system meant to harass debtors. well if it is the first it is both ... either way these calls are harassment, full stop. 

AND THEY NEED TO STOP I have linked screenshots of the number of calls I have received by their automated call system for this past month but the number is only a small amount of the calls I have received after asking them multiple times to stop calling me the past few months. including the time that I called them today asking once again for them to stop, only to get called again after asking them to stop.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

Last month I made a dispute with chime because when I had woken up there was a transfer from my savings of {$1800.00} into my spendings account then sent to a unknown person. I immediately call to chime and canceled my card and make a dispute. I gave chime all the information I knew so that they could help me retrieve my savings I told chime that I have my phone number connected to my chime account. So that allows me and notifies me whenever someone is trying to login to my account or make any transfers the day of the incident I did not receive any text notifications or emails telling me that there was a login attempt I had only been notified of the transaction once my money what's gone. the day after I made the dispute it was automatically cancelled, canceling there 10 day refund system I immediately call chime back to reopen the dispute. I sent in a police report and all other information I had for them to help me where am I claim to be denied again this is my second time having to reopen the claim I have taken every possible step to help chime help me retrieve what was stolen I know that this had to be a breach in chime security system because I was not notified when the intruder hacked my account I wasn't notified via email or via text which proves a lack of security on chime behalf I have also not lost or had any of mine information stolen for someone to have access to my account.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AR)

I opened high-yield savings with XXXX XXXX XXXX after the account was opened I attempted to move {$5000.00} out of the account. The bank declined the transfer and locked the account. When I spoke to them I told them " to transfer all my money back to my primary bank '' They said " they would within 1-3 business days '' Since I was locked out of the account I was not able to see the transfer. After 3 days when it had not shown up in my primary bank, I called them back. They then told me " they couldn't transfer the money to the primary account ''. That they would set up a 3-way call in another 1-3 business days with my primary bank. It is just another ploy to keep my money which is none of their business. I want to move the money to another high yield savings with greater interest rates. I can not do anything with the money while XXXX XXXX holds it XXXX. I need the funds released and put back into my primary checking and for XXXX to mind its own business.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, a fraudulent credit card application was submitted to bank of America using my Social Security Number. Bank of America did not open the account and notified me. Sound good right. However, they added to my checking and saving account the information supplied by the fraudulent application. So the fraudulent applicant could gain access to my account by resetting the account password using the phone number and e-mail address that Bank of America added to my account. So while the Bank projected their money by not opening an account, they exposed my checking account. If they ID 'd the application as fraudulent, why would they add that information to my checking account? They basically said it was not their fault because the application had my social, but again, the issues was they ID 'd the fraud but still used the information! I removed those address from my account and did everything I could do, but Bank of America would say they would not change my contact information again.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (KY)

I received a letter from XXXX XXXX XXXX concerning a PayPal account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on PayPals website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a PayPal  account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to PayPal and I would not hear from them again. PayPal should require more verification to open an account and not put thousands of people in this position.
Consumer complaint received 2019-10-22
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: Prime Business Service, LLC (CA)

This account has absolutely no merit, I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days.

I have filed the necessary paperwork with the FTC, along with local. I have also been in contact with the Attorney Generals Office of California - XXXX XXXX. 

This is a formal legal notice to Prime Business Service, to  cease and desist all collecting / reporting activities under the FDCPA 2009. 

I will not be harassed, this debt is uncollectible, untransferable due to the nature of fraud. This debt is the result of identity theft, the original owner of this debt has been notified. 

Under the FCRA 2009 and the FDCPA 2009, I am legally asking Prime Business Service LLC, to cease and desist and to stop all contact with me except with providing me any documents that I am entitled to, such as statements, and contact information. 

I have attached the necessary paperwork, including notice to furnisher, FTC Identity Theft Report, & FCRA.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.
Consumer complaint received 2019-08-26
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. (SC)

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at TransUnion, XXXX or XXXX  since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX XXXX acct # XXXX I requested that the only name that needs to be reported on my Transunion, XXXX, and XXXX credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from Transunion, XXXX  and XXXX 1. XXXX XXXX XXXX XXXX XXXX, NC XXXX 2.XXXX XXXX CT. XXXX XXXX SC XXXX 3.XXXX XXXX XXXX. XXXX XXXX, NC XXXX 4. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Consumer complaint received 2019-08-26
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. (FL)

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX-XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX   XXXX**** XXXX XXXX XXXX****
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I am inquiring in how to resolve a debt reporting to my credit report. The medical bill in question belongs to my son and or ex husband. My ex was the primary who carried the insurance on my son at the time. The credit report reporting the debt has ignored all attempts at communicating with them. They never answer the phone, do not return voicemails, and or emails. I have disputed on all 3 credit reports with request for this company to contact me and provide proof of debt. There is still no communication. The company in question is Wakefield and Associates. I have made complaints with the XXXX. Please direct me in how to resolve this concern I am trying to buy a house and this is a major negative affect on my credit report. 

Thank you for your time,