davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I called TD Bank several times and told him that I couldn't make a payment because I couldn't login they kept asking me why I couldn't login I might because the secure card is I guess linked to a checking account that I had seven years ago and they like oh do you have this number with you so we could send you a link I sent you a code to the account I'm like no it's like seven years ago I don't have that number anymore. I told him this so I can make a payment still couldn't resolve the issue. I had no lettuce sent to me based upon all you need to make a payment, anything when I try to resolve the issue I told him I'm like I can't sign and I can't sign in. I can't make a payment. I was told oh well a new car gon na get sent to you a new car was never sent to me and I was told I need to make a payment over the phone and I'm like why would I make a payment over the phone where I should be able to make a payment online where I can sign in trouble signing in everything it's so they end up closing the account but then it still say open
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

COMENITY BANK RELENTLESSLY SENDS MY INFORMATION ( PHONE NUMBER EMAIL ETC ) TO COLLECTION AGENCIES WITH FALSE DEBT. DOESNT MATCH MY NAME OR MY SOCIAL SECURITY NUMBER. IVE FILED FRAUD CASES WITH THEM AND TOLD THEY WERE RESOLVED. JUST THIS WEEK I GOT ANOTHER EMAILS FROM ANOTHER COLLECTION COMPANY SAYING I OWE {$830.00} ON A CREDIT CARD IVE NEVER HAD WITH THE WRONG NAME AND WRONG SOCIAL SECURITY NUMBER. THEY HAVE DONE THIS 3 TIMES NOW. IVE FILED FRAUD REPORTS WITH THEM XXXX  WITH THE FTC ABOUT THIS AND THEY CONTINUE TO DO IT. THEY DESTROYED MY CREDIT WITH IT LAST YEAR AND ARE ATTEMPTING AGAIN. I DONT HAVE ANY CREDIT WITH COMENITY. THE 2 I DID HAVE ARE PAID AND CLOSED BY CONSUMER YET, THEY CREATE FALSE ACCOUNTS WITH DIFFERENT MERCHANTS UNDER MY LAST NAME EMAIL AND PHONE NUMBER.
Consumer complaint received 2022-08-25
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: ALLY FINANCIAL INC. (GA)

XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX  XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Ally Financial XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Consumer complaint received 2022-08-26
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: U.S. BANCORP (MO)

I have noticed that ELAN FINANCIAL have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ELAN FINANCIAL and XXXX to verify these inquiries. They have yet to do so.
Consumer complaint received 2021-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

COMENITYCAP/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Hi, XXXX, the stock broker conned me by limiting trades on hot stocks, they now have placed a hold on my account. They are not allowing me to do anything because they set up my account incorrectly. 

I've asked Capital One over and over to reverse the ACH transaction of {$4000.00} on XX/XX/2021. I have the right to dispute a transaction when the company does not perform the promised services. 

I've contacted there customer service, I've been transferred to about 5 departments, and give 2-3 fax numbers. However they did not tell me what to fax. So I took a form that my other bank used when I disputed an ACH transaction, that after Docusigned, they put it back in my account. 

I've attached the form that I've faxed to all fax numbers given.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (NV)

I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX & XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (FL)

Starting on XX/XX/XXXX I began receiving calls from Goldman Sachs. I explained I am not the Debtor they are seeking, but I am the mother. My son is in XXXX and has been in XXXX since XX/XX/XXXX. Since XX/XX/XXXX I have received XXXX calls, some days 3 times a day with me constantly saying I am not the Debtor. I asked on XXXX of the calls from yesterday XX/XX/XXXX and today XX/XX/XXXX to remove my number from the list. I was told on today by " XXXX '' ( I think ) she can not remove my number. After XXXX calls before XXXX I have since then received XXXX more calls. I am not the Debtor, I do not owe you money. The phone number you continue to call is my phone I pay the bill on and I will not stand for harassment.
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (OK)

I need help!! I fell behind 3 years ago after I lost my job due to my XXXX so I was without any income for a few months which is why I fell behind on my loan. Once I got approved for XXXX income, I did not make as much as I did working a wage earning job. I applied and was approved for a loan modification but with the income I made from my XXXX, I quickly fell behind again because the loan modification caused the payments to increase. After falling behind for a second time, I could not afford to catch up with the payments again. I have now been working for the past 4 months to get the Selene finance to approve a short sale and they have repeatedly rescheduled the auction date regardless of my efforts to get this settled. I have submitted ALL financial forms requested of me, a short sale application, as well as a solid offer from a buyer, the buyer 's documents, buyer 's driver license, EVERYTHING. Anything they've asked for I've sent in to them expeditiously and they are outright refusing to work with me, which I don't understand since they've sent countless packets of paperwork advising me to apply for this process. I deserve the courtesy of having them allow me to go through this process so long as I meet their requirements, which I have, but they are XXXX bent on trying to foreclose on me. I need someone to help me get through to this mortgage company so that I can move forward with a short sale. I've done everything I could to get this settled and I don't know where to turn anymore.
Consumer complaint received 2021-03-09
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)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is the third time I am writing to complaint about Bank of America. They have not responded to my claim in the past. The only response is that the case is closed. They have not credited the total amount that was stolen from my account. 

I took the time to check all the withdrawals that were made when my identity was stolen and we have an US {$11.00} in my favor that was not credited and in consequence was not reimbursed. 

The day XX/XX/2020 I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of US XXXX was reimbursed to me. The additional sum of US {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/2020 was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are US {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/2020 {$20000.00} XX/XX/XXXX to XX/XX/2020 {$6.00} XX/XX/XXXX to XX/XX/2020 {$920.00} XX/XX/XXXX to XX/XX/2020. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I am being charged for college tuition from XXXX XXXX XXXX XXXX, collection agency Hudson Valley. They are claiming on my credit report that I owe a total of {$3600.00} from two accounts ( {$2700.00} and {$860.00} ). I asked the collection agency to send me paperwork regarding these charges, which I did on XX/XX/2021. The bills from XXXX XXXX XXXX XXXX I received from Hudson Valley Collections shows one amount ( {$750.00} ) paid for by financial aid with a differnce of {$250.00}, and the oher amount of {$2400.00}, not matching any of the amounts reported on my credit report. I have sent multiple letters, have submitted disputs online ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ), and talked to multiple specialists at XXXX credit bureau disputing these items and the collection agency keeps saying the items are accurate. I sent a letter to the collections agency over 30 days ( XX/XX/2021 ) ago disputing the charges, pointing out that the bills received irreputably proof the items should be remove with no response from them.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (OR)

I opened a checking account with First Tech Federal Credit Union on a referral invitation from a family member. The referral provided me an opportunity to earn {$50.00} bonus if I deposited {$250.00} new funds into the account within 30 days of account opening. I opened the account and deposited the necessary funds, but First Tech is not honoring its bonus promise on technical grounds, stating that I transferred the money the same day of deposit, this was not mentioned anywhere in the promotion that money needed to be in the account for certain period of time. I called First Tech customer service numerous times and I was initially not told about this technical issue. Only after 30 days passed, they informed me I would not get the bonus. I feel like this is deceptive marketing and has completely wasted about 6 hours of my time. The agents were either poorly trained or withholding information purposely.
Consumer complaint received 2021-07-03
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)

XXXX has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and XXXX has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to XXXX in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. XXXX must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX
Consumer complaint received 2019-01-22
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. (IL)

I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from credit plus with a response from XXXX XXXX XXXX XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
Consumer complaint received 2023-02-02
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!