davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am an Equifax Premier Customer and I have been unable to update my credit score or receive my credit report for over 4 months, because Equifax has blocked my file due to too many soft credit pulls ( inquiries ). Equifax premier service allows you to pull your credit report daily but these fail pulls have resulted in me receiving an error message whenever I try to update my report. And because of this block my mortgage lender was unable to pull my credit file and I can not receive financing on my new home. I need Equifax to ARCHIVE ALL of the soft inquiries on my credit, and FULLY REMOVE the block preventing me from receiving my report. I have tried to get my report on the Equifax Premier Page that I pay for every month, through the MyEquifax Page and through my XXXX, but because of the block, I have absolutely no way of access my file. I also would like a refund for the 4 months I have been paying for the service and constantly calling to have this problem fixed, but the no one could help me. I have attached a photo of the error message that I receive when I click the button on my member dashboard to update my score or credit report. And what my page looks like on MyEquifax.com
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (SC)

On XX/XX/XXXX I paid for and downloaded my credit reports from ( XXXX, XXXX, and XXXX ) and noticed that I have an alleged collection being reported by a company named Cavalry Portfolio Services ( each with incomplete and inaccurate account numbers ). I sent notices of dispute on XX/XX/XXXX, but I am dissatisfied with the remarks placed on my credit reports ( XX/XX/XXXX ) that this account " meets FCRA requirements ''. The account listed on my XXXX  report is named XXXX XXXX Bank, but upon further review and the matching up of the original balances, opened dates, and address ', I have come to the conclusion that this alleged derogatory account is being reported by Cavalry Portfolio Services as well. Although XXXX XXXX  is listed as the original creditor per my XXXX  and XXXX  reports, I have never been notified by either of these institutions of this alleged debt nor have I ever been notified by these two institutions that they were going to OR have ever placed derogatory items on my credit files under my Social Security number. These actions are in complete VIOLATION of my consumer rights and illegal per FCRA 623 ( a ) ( 7 ) ( b ) ( i ), After closely examining my credit reports, a balance and an Original Balance of {$710.00} were reported to all 3 major credit  bureaus on said Date Opened " XX/XX/XXXX ( XXXX ),  XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ) ''. Then upon further review I realized that in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 7 months after original balance of {$710.00} reported ), the reported balance reported was listed as {$720.00} in those 3 months ( based upon a 24 month balance history ). If the date opened is in the month of XXXX of XXXX and the original balance is {$710.00}, then how can {$720.00} be reported for those 3 months alone -then resume as the stated original balance of {$710.00} for the months of XX/XX/XXXX and forward. I've never contacted nor have I ever been contacted by anyone about this alleged, erroneous, fraudulent debt and never have I paid this company Cavalry Portfolio Services {$1.00}. I fully believe that this may have been an unlawful tactic to re-age this alleged debt in order to extend this alleged debt 's ORIGINAL statute of limitations beyond the state of South Carolina 's medical and credit card statute of limitations to further damage my credit file! I hereby refuse to accept the allegations and repercussions of this incorrect and inaccurate account associated with my Social Security number without any signed law binding contractual obligation between myself AND Cavalry Portfolio Services!

( see attached documents of credit reports ) Let me add that upon trying to submit this complaint, It wouldn't accept the name of the business as Cavalry Portfolio Services, but I was able to find that they also go by Cavalry Investments , LLC.

( provided 2 attachments as proof from the South Carolina 's Secretary of State Business Name Search ) *6 total attached documents*
Consumer complaint received 2019-12-16
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. (MO)

This company for XXXX put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a XXXX card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (CA)

XXXX XXXX {$22000.00}, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX  {$250.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00}, XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2019-12-16
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: Experian Information Solutions Inc. (NV)

I have had enough of this cat and mouse game with these credit bureaus! I have sent my FTC affidavit and they are refusing to remove these erroneous accounts. This is my last and final attempt for I do have a legal representative on standby. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to  request further information about items on my credit report. 

XXXX XXXX, XXXX  2013, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Also, there is a address that I have disputed numerous times that does not belong to me. The accounts that I am asking for are accounts that are linked to the address that does not belong to me. I can not get any information from any of the creditors because the accounts are not mine. No one can seem to provide a credit application with my signature. I believe these accounts were opened online and none of them required to send in proof of ID. I was a victim of ID theft almost 10 years ago.I did not provide my address to any of these companies.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

On XX/XX/2019 Bmo Harris Bank allowed for an individual to go into a XXXX branch and make two with drawls for the amount of {$7200.00} total using my name birthdate and Social Security number that I did not authorize and was not there for
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

The original company is XXXX I don't owe them any money.  They also sent letters to an address that is not mine. and once I received notification from Convergent Outsourcing I contacted them about the debt.  When I spoke with the XXXX representative the person told me that she could not access my old account to even provide me with any information.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Recovery Services, Inc (IN)

The bill in question was for approximately {$1200.00} for emergency ambulance services. The bill was paid in full in XXXX to XXXX XXXX XXXX XXXX. On XX/XX/2019 I received a letter from XXXX XXXX  XXXX, XXXX ( Total Recovery Services ) that they had been asked to collect a debt owed to Total Recovery Services for {$21.00}. We called the number in the letter and asked to speak to someone regarding what this {$21.00} was for and who Total Recovery Services was as we had never received anything from them. The person who answered the phone asked me to provide the name of current employer. As I still had no idea who it was I was calling or why they sent the letter, I refused to provide them that information. They refused to speak to me unless I told them who my current employer was. As this point, I was extremely suspicious that this was some sort of scam and terminated the call. My wife later called the number and was told the same thing, that the person on the phone could not discuss the account unless they were given the name of current employer. She asked them why they needed the information and was told that they were using it to verify my identity. She informed them that they did not need that information and offered to verify another way. They refused and terminated the call. She then attempted to contact Total Recovery Services directly and was given the same exact run around from what sounded like the same person ( meaning that Total Recovery Services directly and was given the same run around from what sounded like the same person ( meaning that Total Recovery Services and this XXXX XXXX  XXXX  were the same people ). At this point we were certain it was some type of scam. This weekend, I checked my credit report that comes with my credit card bill and was shocked to see a 100 point drop in my credit score XXXX to XXXX. An online search showed that this Total Recovery Services had turned me in to the credit bureau 's for a debt that has never been verified and that I highly doubt even exists. At this point I will likely pursue further actions with FTC and state Attorney 's office. I have already filed a complaint with the XXXX  XXXX  XXXX. I have also disputed this with the credit agencies.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been an CAPITAL ONE customer since XXXX and during that time, I have enjoyed my experience with CAPITAL ONE greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XXXX and XXXX. All of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by CAPITAL ONE with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with CAPITAL ONE. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. CAPITAL ONE has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why CAPITAL ONE is heads above the rest. I look forward to your reply.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Summer XX/XX/2017 my account was hacked and I contacted the bank explaining the fraud situation. They left me liable for it and I haven't been able to open a new account since. I have talked to countless reps over the years. I even made a trip to another state where the physical branches are located and still no help. The balance is {$570.00} and being a veteran never having an issue with the company alarms me.
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was trying to buy parts on XXXX and sent money through Wells Fargo transfer, after the transfer the seller just blocked me and no response, I called my bank Wells Fargo and told them the situation. I sent money thinking I'm safe because its a bank transfer but im out of money and no parts either, please help me get my money back. I sent XXXX $ on the XX/XX/2019
Consumer complaint received 2019-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My husband signed my name for a loan in XX/XX/2017 via online I just found out about when they called about a payment. I did speak with them and asked how was I added to a loan XXXX loan that I didn't sign for nor did I receive any of the money. USAA told me as long as he have the last four of my ss # he could add me. At the time I did not have a USAA account.
Consumer complaint received 2019-12-16
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 have contacted TransUnion multiple times about this account and they refuse to verify or delete this account. I have provided them with documentation showing how other bureaus were not able to verify this account as being mine. Also the balance that TransUnion is reporting is not the same as the actual creditor is reporting. TransUnion has not provided me with any documentation showing this account is mine. Also they have reported that my identity have been used to open accounts in my name, so with them not providing documentation to show this account belong to me, makes it seem like they just want the money from the creditor reporting this XXXX information rather than actually completing a thorough investigation. If that is the case I will have no choice but to take legal action against TransUnion.
Consumer complaint received 2019-07-31
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: MARINER FINANCE, LLC (MD)

Unauthorized credit inquiry by Mariner Finance on XX/XX/2019 Unauthorized credit inquiry by Mariner Finance in XX/XX/2019 I have no business with the above company and have not tried obtaining any loans or so lately
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

New York State General Business Law Section 380-j ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; Experian is refusing to delete a paid XXXX  account that was charged off that has reached a 5 year mark and thus violating NY State law and my rights as a consumer. The date that the exclusion of collections and charge-offs is calculated is based on the date of first delinquency, yet Experian is stating that the date that the account will be deleted is the date the account was changed to charge off status which is 6 months after the date of first delinquency.

This is not line with neither state nor federal law. Moreover, this account was automatically removed from other credit reporting agencies due to the 5 year law in NY.

Experian is violating my consumer rights by refusing to delete this account, and I need for Experian to promptly rectify the matter, and delete this account from my credit report.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (HI)

Want to freeze my credit reports - had no trouble with XXXX XXXX and XXXX - but EQUIFAX is IMPOSSIBLE. 
After input all the information in their website and force to create an account with them, and answer the identity questions, a box comes up and says " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team '' and gives a phone number of XXXX. 
Calling this number is futile : I have tried FIVE times. They put you in a recording loop, tell you that you can do it online ( which is untrue ), offer to call you back by pressing '1 ', and if they do in fact call back it's like a robocall that says " your client is on the line. press 1 to connect '' without any identification of who is calling - so I of course did not press '1 ' When calling the 888 #, after leaving you on hold in excess of 30 minutes, the recorded loop stops, and then goes to a fast busy signal. 
THIS COMPANY SHOULD BE BANNED FROM  COLLECTING/STORING PERSONAL INFORMATION unless a consumer OPTS-IN.
Consumer complaint received 2019-10-01
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)

I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-07-31
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. (NV)

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-07-31
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX