davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXt # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-14
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. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank mistakenly mailed a {$1300.00} check to XXXX XXXX that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to XXXX XXXX XXXX XXXX and had an account number on it that matched a XXXX store card that I had closed years ago. XXXX XXXX decided to apply that payment to my business account, where the checks are made out to XXXX XXXX Bank ( NOT Retail Services ) and has a completely different account number. I called XXXX XXXX as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. I was told by XXXX XXXX that they would only be able to refund the money if the request came from TD Bank. I made the request through TD Bank and received a message that said " Our Bill Pay Provider has spoken with XXXX XXXX XXXX XXXX and it has been determined that in order to resolve this, they are requiring a conference call with our Bill Pay Provider and yourself.

At your earliest convenience, during a time when your biller would be open, please call our online banking department at XXXX to initiate this conference call. Our online agent will then verify you and connect you with XXXX XXXX XXXX XXXX, and then contact our Bill Pay Provider while you and your biller are both on the line. XXXX  XXXX XXXX Services will not speak to us without you on the line. 

For further information in regard to this payment, please respond to this message or contact us at the telephone number below. Please be sure to reference Bill Pay Case ID # XXXX. '' I called that number and, after more than two hours on the phone, I was told by a TD Bank representative that they can not do the conference call that they told me themselves was required and that, even though this was their error, the only way to solve the problem would be to take XXXX XXXX to small claims court. 

It has now been almost a month since {$1300.00} was removed from my account at their error and I just want my money back.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (PA)

I opened up a CoinBase Pro account on XX/XX/21. I did not place any funds into the account nor did I purchase anything. On XX/XX/21, my bank statement read two {$200.00} charges to " XXXX  transfer to XXXX '' which I did not make. My credit union could not follow up on these charges, citing that they were a 'cryptocurrency issue ' so I'm left with a {$400.00} charges that I have no idea how they were made nor do they show up in my account.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX, XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$500.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-03-29
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)

A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with XXXX XXXX that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use credit cards a lot nor do I check my credit report I have also made a police report.
Consumer complaint received 2022-03-29
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.
Consumer complaint received 2022-03-01
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. (GA)

Since XXXX the company ClickLease, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, United States, ( XXXX ) XXXX, has been attempting with my authorization to complete a " Soft Pull '' of my Experian Credit Report. They have continually reverted to me with the following message ; 1. You may have a freeze or lock on your Experian credit profile. Please check with Experian to see if this is the case.

2. If there is no freeze or lock on your credit profile then there is most likely a typo in your personal information on your application. To resolve this please contact XXXX customer care at XXXX. 

Since that date I've been in multiple telephone conversations every working day with Experian because in fact there is no freeze, lock or any type of inhibition which would prevent an authorized potential creditor from completing a Soft Pull on my credit file. XXXX, has reached out to the technical department of Experian and they have created the following case file # XXXX I hope that you acknowledge therefore my just and fair frustration and anger that Experian has placed an unauthorized " Hard Inquiry '' on my credit file! I state that Experian alone is responsible and not XXXX because the latter did not request a Hard Inquiry be made on my credit file, nor did XXXX have my written authorization to perform a Hard Inquiry on my credit file has is required by the Fair Credit Reporting Act! 

I have raised this issue with Clicklease directly, however, they have not yet even had their original case file resolved, nor have they received the information from the Soft Pull or the Hard Pull! While XXXX will contact Experian concerning the Hard Inquiry, I as the consumer who's credit report now has an unauthorized hard inquiry on my credit report am adversely impacted has my credit score has dropped by three points and should I wish to approve an authorized and legal hard inquiry my probability of successfully achieving my goal is mitigated by the unauthorized illegal hard inquiry placed on my credit file due to Experian 's negligence!
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a demand letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are debt collectors demanding to collect a debt on behalf of Capital One Bank ( XXXX ) NA. I have not received any goods or services from XXXX XXXX XXXX XXXX Attorneys at Law, and I do not know how they received my private personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am not a party to any agreements that XXXX XXXX XXXX XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( XXXX ) NA or Magistrate Court of XXXX XXXX. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX ) XXXX or Magistrate Court of XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Capital One Bank ( XXXX ) NA are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2022-03-17
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. (NY)

I recently contacted the CFPB in regards to complaint # XXXX entered XX/XX/2022 against Equifax, the representative stated that the CFPB thought the complaint was entered by a third party, I explained to the rep. that I personally entered the complaint on my own behalf. I was instructed to resubmit the complaint and specify that I personally submitted the complaint. 
I have previously disputed the entry listed below with Equifax and they verified the entry as accurate. Stating the courts verified entry as accurate. I contacted the Bankruptcy courts and the courts response is that they DO NOT verify information with any credit reporting agencies. I also contacted XXXX and the REMOVED the public record on file because the could not verify the entry as accurate. I sent Equifax a copy of the letter I received from the Bankruptcy courts and a copy of my XXXX report the parties Equifax stated verified the information and their response is enclosed to the CFPB. 
Item disputed XXXX XXXX XXXX # XXXX It is clear that the courts do not verify information with Equifax or any credit reporting agencies like XXXX and that public records are not verifiable but information readily available to the public to see with no identifying numbers to connect to a certain individual. 
Therefore your original response verifying the items with the court which Equifax listed as verifying party on there response was either an error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately. 
I am enclosing a copy of my SS card, XXXX drivers license, work ID and a copy of my utility bill as proof of identity.
Consumer complaint received 2022-03-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

In 2010 my income sensitive payment program was approaching its fulfillment time of 25 years, so I contacted my loan servicer to find out what the process of completion was. At that time I was informed that my loan had been transferred from its original servicer to MOHELA two years previously and that I was no longer on the ISRP but had automatically had my loan placed on MOHELA 's XXXX program and that the 25 year forgiveness period started all over again with the new servicer! I am now XXXX XXXX XXXX and my loan will not be forgiven until I'm in my nineties! In the meantime, as interest has accured, my credit report shows that I owe more than {$150000.00}. up from my original {$43000.00}. loan through interest. I applied for forgiveness for my work in nonprofits but was turned down because they were not qualifying nonprofits. I can not purchase a home, nor anything else requiring a credit report because of this debt, although I have been meticulous in keeping up my status with the loan servicer. This " start over again '' policy on firgiveness when a loan is transferred without the borrower 's knowledge or permission is a federal scam!
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX I was made aware of an adverse collection on my Transunion credit report as I sought unrelated credit. The item purported to show {$2400.00} due to XXXX XXXX XXXX. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or XXXX XXXX XXXX for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from Transunion that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.
Consumer complaint received 2022-03-29
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. (OK)

I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are two different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

Equifax mail server is out of control and Equifax can't use the USA XXXXXXXX XXXX to mail credit reports. 

1. Can't address letters correctly - this is a computer error where the name and address are doubled. - Fortunately the postal system can still function. Time and time again I have given Equifax my correct foreign address - and still they print it double. 

2. Recent mail now takes 28 days to reach me - because Equifax uses the XXXX XXXX XXXX to mail to XXXX. How many hands pass through this to go completely around the world. Customs inspectors in XXXX and XXXX XXXX now read all my credit reports. The USA XXXX XXXX takes 10-14 days to reach me is much more secure. 
3. This Computer error mail server also sends me other peoples credit reports. look up Confirmation # XXXX and # XXXX mailed with my XXXX  address, are other peoples credit files. Conf. # XXXX has my address and name doubled. 
4. Complaint # XXXX is not showing on my list of disputed items at myequifax.com. - 5. Mail server is out of control.
Consumer complaint received 2022-05-26
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. (WI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-17
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. (VA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (FL)

The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX  XX/XX/XXXX {$460.00} XXXX XXXX XXXXl XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (IA)

Regions Bank is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to Regions Bank. I have disputed this item 4 times since XXXX 2021 to XXXX, XXXX, and XXXX stating this item from Regions Bank is reported incorrectly and they will not update the account. Regions Bank can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!