davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I made multiple requests pointing out the inaccuracy and for the information to be deleted they continue to state its verified and although it was not verified as their are errors that I have been attempting to fix for 1 year reporting late and charge off and they continue to report on a monthly basis its charged off and late.
Consumer complaint received 2023-06-29
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: Bread Financial Holdings, Inc. (FL)

Comenity Bank / Victoria poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (AL)

I sent a {$400.00} deposit to first progress credit card company for a secured credit card 30 seconds after they took my money from my bank account. They requested I upload documents because they could not verify who I was. I asked how do you take someones money before you verify who they are, they asked for me to mail my documents to them instead of uploading them I requested my money back on XX/XX/XXXX. They said it would be XXXX to XXXX business days. This is a believe the XXXX th day. I have begged for my money back because its all that I had. They asked me to fax some information but I never got a fax number or what to fax. This company came number one from XXXX. This company is totally 100 % a fraud.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The following account and hard inquiry currently listed and showing on my XXXX, XXXX, and Trans Union credit report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$4200.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (SC)

Us auto sales charged me alot of interest towards the cars I've had through them and they repoed my one car when it was in the shop that they choosed and never called to let me know it was done and ready they just repoed it and then the other car they closed down and never reported any payments to the other loan company that took over and that one was repoed while I was at work.. both cars had the shut off switch and they pretty much screwed me over and when you try to talk to the loan company that took over they said we'll us auto sales never reported anything.. so now it's stuck on my credit report when it shouldn't be. It's there fault not mine.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Conduent Incorporated (MS)

They allowed multiple unauthorized transactions to go through. These totaled over {$400.00}. They refuse to fix it and said my investigation was closed. So basically, Im out $ XXXX and they will not do anything to make it right. They shouldnt have even let these transactions go through. I sent them 2 pages of transactions.
Consumer complaint received 2023-06-29
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. (CA)

I did not authorize the following companies as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is continuing to share my information even after notifying them that I opt out of doing so. XXXX XXXX XXXX and Transunion both share a mutual financial relationship due to Transunion making a profit off of the sell of my nonpublic financial information being supplied to them by XXXX XXXX XXXX. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (AZ)

I made an account with Dave. In XXXX, I made a purchase through this account with XXXX The items purchased were never received, only being explained mysteriously as lost in shipping. XXXX now will not respond to my emails asking for a refund or store credit, and they have locked me out of my account on their website. 
Dave have since closed my account as well in reaction to a question about this transaction. My communications with Dave have ended up with little more than we can not assist with closed acounts. 
Now I have a merchant which will not refund several XXXX dollars, and a bank that refuses to help after shutting my account simply for inquiring on the transaction.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (KY)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX CARD Date of inquiry : XX/XX/2022 XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (KY)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). DISCOVER is a inaccurate account on my credit file and is not mine.
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

I have been receiving multiple phone calls, letters, and threatens of legal action from midland credit management which is not mine. I originally tried to contact them to let them know it is not mine and to ask them to stop. I verified it was not mine by looking at debt owed on my credit score. When i did that they began to call more frequently and send more letters. The letters they send seem very sketchy as they dont include the whole account number. I feel that they are harrassing me. 

They say I owe XXXX dollars through XXXX XXXX I do not have a XXXX XXXX account. As of XXXX they are saying they will pass my info onto an attorney
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is XXXX  XXXX XXXX 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OK)

This is XXXX  XXXX XXXX 's XXXX. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2023 I applied for a loan with XXXX XXXX. My application was denied because when my credit was pulled it one showed 1 paid off tradeline which belongs to me but is not all I have on my credit. I have a membership with Experian ( member XXXX ) and it shows my correct information less this closed out account. I was told to contact Experian which I did and after review they found in error that it was two profiles under my identity. Not like theft but two credit profiles instead of one correct profile with all my tradelines and information. I was told a ticker needed to be put in and they would MERGE the XXXX profiles and it would be corrected in XXXX business days. I waited the XXXX business days called Experian to make sure it was fixed and was told case # XXXX was closed and it had been merged as requested. I asked numerous times if this was accurate and was told by the Experian rep it was fixed and completed. I called XXXX XXXX XXXX to resubmit the application and it came up still incorrect. Now I have XXXX inquiries and still no fix. Called back and was told by another rep at Experian it wasn't finished and to wait until XXXX XXXXXXXX and it would be completed. I waited until Friday, contacted XXXX XXXX XXXX and they ran my credit again it was still inaccurate. My profiles still are not merged. I was lied XXXX on XXXX different occasions and it still isn't corrected as of XX/XX/XXXX. I applied for this loan with XXXX XXXX XXXX to do a debt consolidation and improve my credit and it's just been a nightmare and customer service is just awful and unhelpful. Worst experience I think I have ever been through and it's effecting my life in a major way. Nobody wants to help. No supervisors calls that were promised XXXX different times. Just my messed up profile and no help in fixing it.
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: World Omni Financial Corp. (FL)

I sent in my Right to Recission letter and I hand delivered it to them and everything they never got back with me Because they signed me up for a vehicle that was XXXX but all together the car came up to XXXX with payments of XXXX per month
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please Remove and Delete this account immediately as it was opened fraudulently without a valid written signature of original contract. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt with the purchase agreement and has the legal authority to collect it or delete this account. Please help me get this matter resolved. Thank You in Advance for your Cooperation.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Unifin Inc. (TX)

This company contacted me asking me to verify my information without telling me who they were or what the call was about. They continue to try to get me to say yes, or affirm my information in a very threatening manner. I would not verify because I felt it was a scam. They disconnected the call. I called the number back, asking them why they were calling me and then they gave me my wifes information instead of mine, saying they were not looking for me. They were actually looking for my wife. I told them that I was recording them the same way they were recording me and they hung up on me. I spoke with the supervisor XXXX during the call when I called back after he hung up, I called them back again and another gentleman by the name of XXXX answered the phone and said that it was my debt but he did not have the correct Social Security number. I asked them to remove my name from Their system and delete any information they have about me.