davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am filing this FTC Identity Theft to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX {$740.00} on XX/XX/year> CREDIT CARD opened at XXXX XXXX {$920.00} on XX/XX/year> CREDIT CARD opened at XXXX XXXX XXXX {$910.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Consumer complaint received 2022-02-11
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION (SC)

I just feel like these places are legitament businesses but are undermining DUE PROCESS being unprofessional to it's potential customer. Why are we subjected to pull out our cell phones for them to call to see if it's on or not? 

Why do we have to WAIT to a weekday to VERIFY our employment when they are requiring your paystubs and bank statements applying on Saturday when your off but your company you work for is closed on the weekends. 

They are very unprofessional not real business like practices acting like street hustlers instead of a legit business that has protection at the BOTTOM LINE for those loans. If a person submit their info and it's fraud then TAKE ACTION when it occur like a police officer get a call for a bank robbery they deal with it after not before! 

If you committ a crime you do the time. This is a business environment you are taking RISKS either way loaning money out. THEY NEED TO KEEP IT ON A BUSINESS DUE PROCESS LEVEL and stop treating everyone as CRIMINALS being put under their unprofessional practice for it's consumers. Elimanating that calling your phone calling on the spot other words if you don't have a phone they'll deny you when they NEED TO BE HANDLING BUSINESS THROUGH THE MAIL. 

All these XXXX SC loan places title loans, installment, check writing loan all are doing this street hustler foolishness. Bottom line if someone default after going through a legit process those companies still will get a write off or their company insurance will cover it.

You all need to address this issue QUICKLY shutting it down making these businesses get back to professional standards towards it potential customers. Making them put other methods in place for us consumers having to wait until Monday when you off Saturday and need the money Saturday. They all are acting so petty and not leaning at their business protection for those loans actually looking more like PREDITARS to the consumers GREED-GREED-GREED attitude having no form of business class. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX I XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX I XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-09-20
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. (FL)

This is a complaint against timeshare XXXX XXXX / XXXX XXXX XXXX XXXX. The people we dealt with or were involved with this were XXXX XXXX, XXXX XXXX, XXXX XXXX, all claimed to not work on commission. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up. We were told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for us but was not approved, they never gave us a copy of the application and were not properly educated of the fees involved. Everything was rushed especially when they didn't even gave us ample time to read through the contract and understand it's contents so we can be fully aware of the contents of the agreement. They also used threatening statements such as ruining our credit and possibly go to jail. We weren't properly informed how to cancel. Though they informed us how many days to cancel and we were able to send cancellation request but obviously it was never cancelled. We have copies of communications sent to them. We felt we were profiled, we were XXXX y/o at the time and we feel like our age were taken advantage of. We experience stress because of this timeshare, sickness, headaches, can't sleep, stopped going out due to fear and given our age, it just doesn't help plus the medical condition we're dealing with ( XXXX ). Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2021-03-28
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: WELLS FARGO & COMPANY (CA)

WF XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.
Consumer complaint received 2021-03-28
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: Bread Financial Holdings, Inc. (CA)

COMENITYBANK/VICTORIA  Account number XXXX Date opened XX/XX/XXXX COMENITYBANK/VICTORIA  Account numberXXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX/XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I have reached out to the companies and the credit buraus to have these fixed ive send it documentation that the credit card/ loan accounts are not mine and that the freeway funding is in error but no action has been taken to fix it. 
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Consumer complaint received 2023-05-05
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. (FL)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : 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, FL XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XX/XX/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.
Consumer complaint received 2021-03-28
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: Santander Consumer USA Holdings Inc. (AZ)

I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, XXXX # XXXX
Consumer complaint received 2022-11-19
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. (OR)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and Equifax credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, XXXX # XXXX
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Century Financial Services, Inc. (CT)

I very often get phone calls from ( XXXX ) XXXX and when I answer it is the same female robotic voice telling me Century Financi is trying to collect a debt which I do not have any debt. When I call back the number, no one answers.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (AL)

Complaint number 3. 

This account has been VERIFIED AS ACCURATE AND UPDATED : Yet, on my credit report The last payment reflecting an OK ( current ) status ( paid ) jumps from on time to 60 days late. ( Attached ) I disagree that this account is accurate. My understanding is that 30 days comes before 60. 

Therefore, this account is not accurate : How was it Verified as such? 

If you can not fix this and report accurate information as the FCRA regulates, then notify the CRA ( s ) for deletion of this account from reporting onto my consumer report.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete.

I want to remind the Furnisher ( Bridge-crest ) of : Prohibition on Reporting Inaccurate Information.

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA.

The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.

In addition, Furnishers Duty to Investigate.

If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
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 discovered that the same account on my credit report was misleading. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$20000.00}
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

On XXXX XXXX GLA Collections was notified via certified mail to validate a debt which is now posted to my consumer report ( XXXX XXXX XXXX ). I have mailed a debt validation letter as well as, a cease and desist and affidavit of truth. 

At the present time I am yet to receive a response to any of my request which included, account ledgers, promissory notes, or any documentary evidence of indebtedness that will show that GLA Collections is now the holder in due course. I also asked GLA to cease reporting and let the CRA 's know there is an open dispute pertaining to the validity of this account. 

As a result of the negative reporting by GLA which resulted in a decrease in my XXXX  score on my credit report. I was unable to secure a preferred tiered interest rate and other extensions of credit. Which resulted in thousands of dollars in additional interest charged to me over the course of years. 
This is personal, sensitive medical information which I did not give authorization and/or consent to release information to this third-party entity.
Consumer complaint received 2021-03-28
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. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc. (WI)

At the end of XXXX or early XXXX, my Branch App where I receive payment for driving for XXXX XXXX  was hacked and the bank information was changed. I was not notified that banking information had been changed. As I had done numerous times in the past, I transferred my paycheck to my bank account, however it was redirected to some account that I am not associated with. I contacted Branch to file a fraud complaint due to the fact that the app had been compromised, payment information changed, and the loss of nearly {$700.00} in pay. I was told there was no fraud. Again, I did not change the bank information. I had to advocate to even open a fraud claim. Finally, a fraud claim was opened and 7 days later in XXXX, I was told that the claim was found not in my favor. I requested information about the investigation, and was told there was no information to give. I called back in and petitioned to have my fraud claim looked at again. 

Here is my request, if investigated, I know it will know that I did not change that bank information. If verified with accounting teams, I know my name, social, address, anything, will not be associated with the account those funds went into with XXXX. It is my belief that a thorough investigation was not conducted outside of looking to see the authorization of the transfers out of the app. I did authorize those transfers as I thought it was transferring to my bank. AGAIN without my knowledge, that information had changed. 

If the claim is denied because I authorized those transfers to INCORRECT bank information, I would like that stated. But I would also like an answer to which XXXX address, device or otherwise changed that information within the Branch App. I feel that this is in violation of regulation e as stated by the consumer financial protection bureau.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I felt obligated because of the card sent in the mail which i didnt request but I still got it and then they wouldnt put it on credit protection during COVID because of a loss of job & loss of grandma.. I had to move because she died and then they closed their store!
Consumer complaint received 2022-08-01
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. (GA)

To whom it may concern ; XX/XX/2022 XXXX, XXXX, Equifax : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I placed an order with a catalogue sent to me from XXXX XXXX, XXXX XXXX took my order put it on a credit card and sent it to me with out my permission. I took the credit card cut it up, paid my {$87.00} balance sent the card back and asked king size to close the account. XXXX XXXX did the opposite they started to charge me late fees and other fees I tried to contact XXXX  XXXX  to advise customer service of my order incorrectly filled. I ordered two pares of socks for {$22.00}, I received one pare. My shipping was free however I was charged {$12.00}. 

This company send credit cards to citizens in an attempt to collect fees