davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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. (MI)

Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX XXXX and Experian and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.
Consumer complaint received 2020-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from Zelle through the XX/XX/XXXX XXXX XXXX. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.
Consumer complaint received 2023-04-20
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: Resurgent Capital Services L.P. (PA)

In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LVNV FUNDING LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, LVNV FUNDING LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And LVNV FUNDING LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV FUNDING LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-08-12
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: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - XXXX inquiries on Same date! 
First Investors Financial Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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)

Trans Union and XXXX there reporting agencies are refusing to up date, correct and monater my credit file. An causing my credit sore to to amen aster different information that has stop me from buying a home and landing me to XXXX. Over the lays 60 months the have be in contact have disputed information wiriten email lots of phones to address this is matter an this the second time get in the CFPB in volved in this dispute. So now I am requesting an appeal to the federal Courts this has cause not only a financial cris and discredit my name.
Consumer complaint received 2021-01-15
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. (PA)

I am victim of identity theft. Seems some accounts were opened in my name and are reporting on my credit reports. I took action by creating and submitting an identity theft report. I then submitted it to the credit bureaus and for a few months the fraudulent accounts were removed but to my dismay are now reinserted. Here are the listed account opened dates and outstanding balances 1 ) opened XX/XX/2018 ( {$11000.00} ) 2 ) ( {$21000.00} ) 3 ) opened XX/XX/2018 XXXX {$9000.00} )
Consumer complaint received 2021-04-01
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)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 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. Please help me get these accounts updated and get my credit back on track. I don't want my kids to keep helping me they have a family to support as well.
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I acquired this loan early last year. I had to get this loan to pay my bills due to a slow time at work. I was desperate. This was around XXXX/XX/XX/2018. In XX/XX/2018, I was still struggling to repay this loan. I borrowed {$2600.00} and saw that my interest rate was near 100 %. So, my balance barely budged. I was paying on time every month until I couldnt and turned this account over to a debt settlement company. They werent successful about settling this account. Ive tried to settle with this company and they were vague about the terms of the settlement and I asked questions and they went unanswered and ignored. I sent them a promise to pay at {$1200.00} and again, this went unanswered and ignored.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I recently got a collection record on my XXXX  credit report from CCS collections saying that I own an amount of XXXX dollars to XXXX XXXX XXXX which I never do business with. It showed up on my account around XX/XX/2019 or so and the account was opened almost 4 years ago. I called equifax about this and tried to dispute it. But nothing happened over a week. this derogatory mark seriously damaged my credit.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (CT)

On XX/XX/XXXX I attempted to open a XXXX XXXX account at CIT Bank ( a division of XXXX XXXX ). I navigated to their website XXXX XXXX XXXX and filled out the required information. I am a US citizen in good standing with all of my other financial institutions. 

Upon completing the very basic online form ( where I provided contact information and SSN ) I received the following response : " Unfortunately, we are unable to open an account for you at this time. Thank you for your recent application to CIT Bank. We regret to inform you that after a through review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. '' No explanation for my rejection was given. I called CIT at the number listed on the rejection page, XXXX. After waiting on hold for 15 minutes the system disconnected me. I called back and this time elected to have them return my call when available. 

I received a call back from the automated system at XXXX XXXX and was quickly connected to a representative, XXXX XXXX Our call lasted 6 minutes, 46 seconds. Below is the summary of our conversation : -I described the problem and asked why my application for a new account was denied -He looked up my application and successfully found the record of my application -He informed me that it was an " auto generated '' rejection and that there was no way to know why I had been rejected by the system -I questioned him on that and informed him refusal to give a reason was likely a violation of the Equal Credit Opportunity Act ( ECOA ) -He stated that " CIT was a big bank and would never do anything illegal '' -He also stated that " this issue has come up many times before and whenever he has tried to elevate it, all he got from management was the same response '' -He informed me that the auto-rejection was unable to be appealed and no explanation was available. 
-He reviewed my application information with me to ensure nothing was entered in error-it was not. 
-I asked if I could reapply. He said yes.

-I ended the conversation and informed him of my intent to file a complaint. 
-Later in the day on XX/XX/XXXX I filled out the form again and received another rejection from the system with no explanation.
Consumer complaint received 2023-04-04
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. (TX)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-04-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

XXXX XXXX  continues to call claiming I still owe money to Citi Bank. I paid XX/XX/2019 a different collection agency through docusign {$850.00}. They claimed that sometimes consumers forget they had this account. Now another Citi Bank collection agency is claiming the same thing. I'm doing some investigation into I believe another Citi Bank pay off that my wife believes she has paid in the past years. All my accounts are on automatic payments. I use my XXXX XXXX card which is where our income is direct deposited and we use XXXX XXXX for our business related expenses. I believe Citi Bank is fraudulently chasing consumers and threatening with litigation to force payment for false accounts.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

This company is unreal for today 's marketplace : When calling to cancel they say you can by going to activity but it is not true.

It is the worst website, jumps when you go to it, and with all the transactions they are the pitts. 


How do I cancel a payment on CareCredit? 
The easiest way you can cancel your CareCredit Credit Card is by calling customer service at ( XXXX ) XXXX. Alternatively, you can cancel your credit card by mail. You can not cancel your CareCredit Credit Card onlineXXXX XXXX, 2022
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

I can't cancel Experian membership online since they only allow cancellations via phone number. When I call number, I'm in a loop and can't cancel the membership. I called several times but was disconnected.
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Loan was serviced by XXXX I enrolled in the covid assistance program around XX/XX/XXXX and received an extensions XX/XX/XXXX and XX/XX/XXXX from XXXX to expire XX/XX/XXXX. 

As of XX/XX/XXXX the amounts past due was as {$5300.00} with {$1300.00} due XX/XX/XXXX for a total amount due of {$6700.00} none of the amount due was late fees. ( ref XXXX XXXX statement ) Immediately following this statement the servicing was transferred to Carrington mortgage. 
I received a Statement from Carrington dated XX/XX/XXXX showing a past due of {$5300.00} with {$1300.00} due XX/XX/XXXX and {$220.00} in late fees for a total of {$6800.00}. Along with the threat of foreclosure. Ref Carrington XXXX Statement. 
I immediately called XXXX and Carrington about the Covid protections : XXXX responded that the Covid protections follow the loan to the new servicer and that Carrington may not have received all of the info yet, and that no fees had been charged by XXXX. 

Carrington says that the fees where previously owed to XXXX and that they had no record of the covid forbearance. I immediately enrolled online for covid protection on their website, and was granted until XX/XX/XXXX. 
I have made all payments showing due to avoid any credit reporting or foreclosure issues prior to the expiration of the latest covid assistance period resulting in the amount of {$170.00} paid year to date in fees to Carrington. Ref XXXX Carrington Statement. 
I have tried to resolve this issue with Carrington and they say they where fees from XXXX when the loan was transferred. Both companies just point the finger at the other. 
In addition I asked Carrington to provide me the name of the FHA Mortgage owner and they said all they do not have that info, this is a FHA loan. I was seeking this info to seek help from the backer as well.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

I am a victim of identity theft. I have previously informed XXXX that I have never done business with them. XXXX XXXX  removed the account from my credit file and now XXXX XXXX has sold an account in my name to JEFFERSON CAPITAL SYSTEMS. The XXXX XXXX account was opened as a result of this identity theft. I am attaching letters from other companies regarding my identity theft issues.
Consumer complaint received 2020-10-15
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: Santander Consumer USA Holdings Inc. (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited XXXX different dealerships. I visited XXXX  XXXX of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Consumer complaint received 2020-10-15
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: Exeter Finance, LLC. (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited Drivers Select of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Consumer complaint received 2021-08-12
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. (GA)

I recently checked my credit report and Experian is reporting incorrect info on my report that does not belong to me. This account belongs to a family member with the same name that lives at a different address. The following account does not belong to me and needs to be removed immediately : XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with XXXX XXXX XXXX XXXX, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with Wellsfargo Bank and XXXX XXXX XXXX XXXX. The amount of stolen funds is over 1k.