davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (IL)

Hi I am submitting this XXXX XXXX without 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXXXXXX FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I spoke to XXXX at XXXX in reference to my account. I switched my insurance back in XXXX 2021. XXXX was sent all the proper documents to support the cancelation. Months later I received a collection notice stating I owed {$720.00} for an unknown reason. I contacted the collection company as well as XXXX making them aware of my documents and resent the information for correction. 6Months later it's still showing on my credit report. Damaging it!!!
Consumer complaint received 2022-02-15
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. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed Experian Report Number : XXXX XXXX  File Number : XXXX XXXX  Report Confirmation # XXXX XXXX CREDIT BUREAU Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number HLTHFRXXXXXXXXXXX Collection opened XX/XX/XXXX XXXX  XXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX  data breach several accounts on my credit report are not mine listed XXXX  Report Number : XXXX Transunion File Number : XXXX XXXX  Report Confirmation # XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number HLTHFRXXXXXXXXXXX Collection opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

I have been charged {$340.00}, called the bank but the agent said she is not authorized to see information where this money came from. Wells Fargo is charging my account for no reason.
Consumer complaint received 2022-06-22
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

XX/XX/2022 To whom it may concern, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The following account holders are listed below : Fair Collections and Outsourcing has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Fair Collections & Outsourcing, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and XXXX. I did not grant Fair Collections and Outsourcing permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. 

- Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 



Regards, XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have resided in Tenn since XXXX on XX/XX/XXXX there was a attempt to open a account with XXXX XXXX Bank to get a car loan in California. I called XXXX XXXX and they confirmed someone did indeed tried to open a account but they blocked it since I have alerts placed with all 3 credit bureaus stop fraudulent attempts to open accounts without my knowledge and alerted all 3 bureaus of attempt to open account in my name, XXXX and XXXX removed it from my report, TransUnion on the other hand still refuses to remove it from my report saying that is my responsibility to prove that its not me who did this. So could you please look into this matter and hopefully resolve it so TransUnion will remove it from my report. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
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. (TX)

I've contacted Experian in regards to this XXXX XXXX Account, they are reporting inaccurate account pay history information reporting I am late, I spoke with XXXX at XXXX XXXX XXXX  and assured me it was not their error but XXXX XXXX XXXX, I forwarded a correspondence to Experian over 30 days ago and have not received a response.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Equifax closed dispute XXXX with the following statement : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Specific item name, account numbers and nature of dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (CA)

D2 Management repeatedly calls my phone number and my wife 's phone number using local spoof numbers. They don't identify the company they are calling from until asked several times and they get nasty and rude when identifying the company. 
Neither of us have any debt at all and nothing in collections. The company refuses to send us proof of debt or give us any information over the phone. They literally don't even want to tell us the name of the company until we provide them with the last four of our SSN, which we will not do. I have repeatedly told them that I will not give out my info to someone randomly on the phone. They can identify themselves, use their real phone number and even ask me to confirm what they have after they tell me at least part of what they have but I will not give my information first. 
According to the XXXX  this seems to be what they do to everyone they call. This is a huge red flag for a scam company. 
Their most recent call was XX/XX/2021 from XXXX.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES
Consumer complaint received 2022-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (TX)

I have attempted multiple times to contact Fortiva to have match pay credits applied to my account I have received confirmation that I am enrolled does the match pay program but the credits have never been applied to my account. I have made multiple payments to Fortiva but they have never applied the match payments to my account since XX/XX/2022. My ssn is XXXX and my name is XXXX XXXX.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

The company Global Lending has been reporting on my credit that the account is past due even though I have disputed the account due to the fraud that occured when account was opened. The company continues to tell me they are waiting to get in contact with the car dealership ( XXXX XXXX ) to have them cancel out the contract. I was told by a man name XXXX in the escalation department that he was going to remove the negative status on my credit, When I called in about it I was told by a manager he never made any note of it. When I told her last week that i ha proof he said it she said she was going to go back and pull the call and call me back, when she called me back she heard him say it. It was reported deliquent around XX/XX/2020, Even though i had filed the compalint with Consumer Financial Protection bureau on XX/XX/2020 disputing the debt and their practices and then i had been complaining for months.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, On my XX/XX/2022 TransUnion credit report I notice 4 unauthorized hard credit inquiries- I am seeking to have these removed as soon as possible attached to this complaint are : - drivers license - social security card - address - complaint - screen shot of where they are located Please have these 4 unauthorized hard credit inquiries removed as soon as possible from my TransUnion credit report.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it. 

Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity. 

A couple of weeks ago I tried to dispute using XXXX  and they disagreed. 

I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late payments.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Checking Account ending : XXXX Latest Promotional dispute : XXXX XXXX : XXXX ( opened XX/XX/XXXX ) This complaint is regarding promotional cash bonus offered to me, if I opened certain types of accounts and completed certain requirements. 

I was a Citi credit card customer at the time and in XX/XX/2020, based on the offer provided to me via my credit card account login, I applied to open Citi Priority account. But, the account opening process failed online and I was given a phone number and an error code to contact Citi. 

When I called and explained to them that the account opening had failed, the agent offered to open the account for me over the phone and also offered a different ( supposedly better ) bonus offer for opening Citi Priority account, that was in effect at the time. 

The offer code given to me was XXXX. It had 2 rewards. First was a Cash back booster on my credit card cash back until end of XX/XX/XXXX. Second was a cash bonus of {$700.00}, if I deposited {$50000.00} in to the savings account and kept it for at least 60 days. The cash back was supposed to be deposited to my account after 90 days of fulfilling the 60 day deposit requirement. 

Based on this, I opened the required accounts on XX/XX/XXXX. My account was fulfilled on XX/XX/XXXX ( Email confirmation from one stop fulfillment representative XXXX attached ).

I had problems even with the credit card booster ( first reward ), but Citi eventually fixed that issue and even today, I am getting the cash back booster, as promised. I get 2.5 % cash back, instead of the regular 2 % ( Latest credit card statement showing booster amount attached- Last Name and other details scrubbed for security ). 

But, Citi is refusing to honor the other promotional reward, the {$700.00} cash bonus. I have called several times and in turn, they opened several " reward disputes '' for me. But, every time, their " back office '' refuses to grant me the reward that I am entitled to. The latest attempt is by XX/XX/XXXX/XX/XX/XXXX ( new accounts specialist ), who was kind enough to follow up several times and even apologize and unable to explain why their back office is just refusing to give me this cash bonus. 

The refusal letters say, if I have any proof of the promotional disclosure. However, I did not receive the offer directly, but over the phone when the agent opened the account. I do have a welcome package that talks about the promotion and that I am eligible for it, once I fulfull all conditions, which according to their own agents, I have completed. I will be attaching parts of the welcome package booklet that was mailed to me. 

Please help me in getting the cash bonus that I am entitled to. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One account was paid in full and closed out. Before I submitted the final payment I told the creditor I was homeless and trying to get a VA loan and asked if they could clear my late payments which were holding me back. The representative told me once they received the final payment she would make sure I was cleared and that my account would be closed out so I wouldve have any more issues in the future with my credit. Upon mutual agreement I submitted my final payment and until this day Ive been waiting for an update. I was promised they would submit a request to the CRAs to remove all delinquencies from my credit file. All it says is paid but still has my past due which is holding me back from trying to get a house for myself and not sleeping on other peoples couches.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

At four times over the past two months and twice in the past week I have been totally shut out of accessing my funds in my NFCU accounts. 

I have several accounts and about {$300000.00} cash in these accounts. I need to move money to pay my tax returns and to meet other obligations. 

Over the past week I personally have on the phone with them literally three hours to no avail. They have recorded call data to substantiate my statements Further in XXXX my NFCU debit card was compromised and they use the same data to verify me ( DOB, SSN, etc! )