davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

ConServe has made several calls to my employer disclosing my social security number to several employees to try to verify whether its me. They have also sent mail to a friends address, in my name, who has no involvement in my financial concerns. They then sent a letter to garnish wages to a past employer who contacted me to inform me of the situation. Too much of my personal information is being disclosed to uninvolved parties. This is not only harassment but a violation of privacy.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 Equifax emailed me a notification that dispute results were available. Those results are false and Equifax is knowingly providing false information and reporting unverified information on my report.
Consumer complaint received 2020-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-02-22
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: Strategic Alliances, Inc. (GA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( FIRST FININANCIAL AS {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2020-02-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TN)

I lived in an apartment complex that used Procollect as their collection company. Theyre claiming that I owe them double the amount originally owed. Ive wrote them and asked them to verify how I owe Procollect, and they wont furnish a contract that states that I owe them specifically. They keep sending information from the closed down apartment complex. Please watch out for Procollect because they are fraudulent collectors and will make your life a living XXXX.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Opened a new Citibank checking account and deposited the $ XXXX required within the 60 days, then waited 90 days and never received the {$500.00} bonus. I contacted Citibank through their phone system and got nowhere, so I closed my account and used their chat service. I was told that I have met all requirements to receive the {$500.00} bonus, yet never received it.
Consumer complaint received 2020-02-22
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: Experian Information Solutions Inc. (CA)

I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I don't know what else to do. Bank of America is reporting a fraudulent item and this is causing me high levels of stress. 

I am writing to demand Bank of America to remove the following item of my credit bureaus : Bank of America account # XXXX, opened XX/XX/2016. Closed XX/XX/2016. Limit {$300.00}. Balance {$0.00}. Status : closed. 

I tried to solve this issue with the company. I sent them a dispute letter demanding this item to be removed. They did not investigate or even mark the account as disputed. I am aware that these are two violations under the FCRA and also reporting an account related to fraud. I am a victim of fraud. The account began a negative status when fraudulent charges were made. 

I am demanding Bank of America to send a notice to the three major credit bureaus to remove this item from my report, and provide me with a deletion letter for my records.If they fail to do so, I am willing to take this to the next level. I am sure that once I talk to my attorneys, the list of violations will go up and I will let the decision in a judge 's hands. 

Thank you. 

See attached : letter sent to Bank of America, fax confirmation, FTC report.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (UT)

CREDENCE RESOURCE has reported a fraudulent debt in my name to the credit bureaus. I never opened or authorized a XXXX account in my name. They need to remove the reporting immediately from all of the major credit bureaus promptly. 

My identity has been repeated been used. I filed a police a report due to finding my information being used. XXXX XXXX police department they can retrieve a copy of the police report directly. Report number is as follow, XXXX.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Today on XX/XX/2020 I received an email from American Express Bluebird that they were permanently closing my account and that my account violated some terms but did not define the terms that were violated. The email says section 22 ( d ) was violated which says they can close at their discretion. I have been a customer for several years and I have a balance remaining in my account from my paycheck that was deposited 2 days ago. I cant access my money and customer service is not helping me and said I have to write a letter. They said Ill receive an email in a few days to tell me what is happening to the funds but that is it. No information, no money, no help. How can a company close an account without letting you withdrawal funds first?
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NC)

A few weeks back, I got a Netspend card in the mail, stating I was prequalified for the card. I did not need one, nor did I want one, so I shredded it. Then I forgot about it. The following week to week and a half, I got an email from Netspend with a subject line about activating a card. I deleted that email.

Fast forward to today. I have received yet another email about activating the card. I then remembered the card from a few weeks ago. I then opened the email. In the email, there was an HTML graphic stating I had requested the card, and they are  willing to help me to activate the card, with a link to help information. Below that graphic, there is a series of text. In that text, there is a mention that the email is an advertisement.
Consumer complaint received 2020-02-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I tried calling transunion credit reporting agency, to have a fraud alert and a freeze put on my account. The company TU, did the right thing and wanted to verify it was myself, XXXX XXXX, contacting them. I entered all the data they asked for, and the were to send a verification code to my phone. The code never came through. Whether the code was actually sent or not I can not verify, or whether my carrier failed to notify me I do not know. The company TU then tried to use information from my credit report that they maintain on file to verify. Understandable using a second verification process, a good idea! The problem : All the questions are generated by computer process. The questions are generated from information stored on my credit report! The questions asked by the automated system had answers reflected by the company 's reporting to the agency about my history as a creditor. I answered every question according to my knowledge of the loans inquired about. Every answer was ACCURATE! I GAVE NO ERRONEOUS answers. None of the loans I was asked about pertained to either myself or our household. As a result all of my answers were considered wrong, faulty disqualifying me to have my request honored. I now know I am being punished by the credit reporting agency for giving the right answers. The company cared little about the fact that the questions asked were in regards to erroneous information they had on record about me. 

I am frustrated angered and disappointed with this company. There is no easy way to resolve this issue. They are making a difficult situation worse. Policy took precedent over truth. Policy over service. I am at risk even more now because of an inept policy. I feel the company is at risk of liability of further damaging my stolen identity.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (AZ)

I finance a vehicle to Chrysler capital and in the last six months of the loan it was stolen and was declared a total loss by my insurance company. 

My insurance company paid the vehicle off as well as I had a gap insurance that did pay the balance. 

The lender is stating that I still owe {$4700.00} on the account and is choosing to keep the account open which is accruing more and more late fees and charges on a daily basis added to their false account. 

I have called them to resolve the account and all they state is that I still owe the money. 

I am being forced to be put in a position where I'm going to have to file bankruptcy because the collection calls and the letters for demands of payment. 
This is so ridiculous the amount of money that has been paid to them as well as for the additional insurances for the vehicle that I have paid out. 

I also am having problems with financing a new vehicle just because they are still showing the account with an open status with the balance. 

Lenders are not willing to help me with financing another vehicle due to their incapacities. 

I have disputed this twice with the 3 major credit bureau 's and they have left it to remain on my credit report still with the incorrect information. 

I need a vehicle to get to work it's very important and this is a real big headache for myself and is hurting my ability to get to work and make an income to support my family. 

I have saved money to put towards buying a vehicle however it's becoming harder and harder on a daily basis to even work with any lender. 
The denial letters that have been sent to me state specifically that because of the open auto loan with unpaid balance is reason for denial. 

These credit inquires will now Stay on my reports for 5 to 7 years with nothing to show as well as this auto loan will follow me forever if it doesn't get resolved in a professional manner. 

I'm a hard-working single mom and everything I have it's from my own blood sweat and tears. 

I have never ripped anybody off nor do I plan on it. 

I'm an honest person and I truly believe that at the very minimum this account should be showing XXXX balance so that I can move on with my life and credit.
Consumer complaint received 2019-08-08
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. (MO)

I used to own three XXXX XXXX XXXX. At some point one of my ex managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I purchased 15 twin mattress for a business venture the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX XXXX XXXX reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. XXXX XXXX should be investigated for predatory behavior and reporting erroneous information.
Consumer complaint received 2020-02-21
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. (NC)

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I called XX/XX/2020 to find out my balance. I have paid 16 payments of XXXX and my balance is the same. My balance is not going down. I understand they want to make a profit but they want to double the amount I owe. I need to settle this debt but I need help because it is never ending. They have the following address listed on web NetCredit XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL.XXXX. They debit my account monthly on the XXXX. XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Full Service Mortgage Group, LLC (TN)

Applied for a mortgage with Full Service Mortgage Group in XXXX, TN. Everything seem to have been going great until my husband and I were asked to pay for the appraisal and notice the Lender XXXX XXXX XXXX did not note on the disclosure that the appraisal had been paid outside. The appraisal was included in the total loan cost. Also I noticed in the disclosure that we were getting charge triple in property taxes which were also included in the loan total. I feel before a disclosure is prepared you should have the correct cost of the property taxes. After noticing the discrepancies in the disclosure my husband and I spoke with the Lender and advised him we were no longer comfortable doing business with him. Since then we have received text messages, emails, and threats not only from the Lender, but also from the builder of the new construction which kept our deposit due to the termination of our agreement. There is no reason we should be harrassed by either party when dealing with predatory lending practices.
Consumer complaint received 2020-02-21
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. (PA)

Hello, On XX/XX/XXXX, I tried to call the XXXX  Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2019 2.  XXXX XXXX XX/XX/2019 3. XXXX XX/XX/2019 While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2019 2. XXXX XXXX XX/XX/2019 3. XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This isa violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

My problem consists of an issue with a wrong amount being collected by American Express and while I have disputed it, no conclusive answer has been given to me to explain why the debt reported is so high. I never ran the debt up to that amount and I have constantly been disputing the amount for some time. 
To make matters worse the collection account has exceeded both the state statute of limitations and the credit reporting time limit of 7 years. This is another matter I have disputed with them and in all cases receive no answer to my complaints. I am asking for assistance in this regard and would like American Express to answer this request and complaint.
Consumer complaint received 2019-08-11
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. (GA)

On XX/XX/2919 a fraudulent application was submitted for a XX/XX/XXXX-XX/XX/XXXX XXXX store credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the XXXX XXXX XXXX in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the XXXX XXXX XXXX, and I was informed it would be removed in an additional 45-days. 

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.