davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (CT)

The inquiries on my credit report are unauthorized and should not have occurred in the first place. I have contacted the creditors and was told that they have requested the deletion of the inquiries. 

XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks XXXX date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-12-05
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. (CO)

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

These addresses do not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have reported this issue multiple times over last three years. LexisNexis fails to correct my report. These must be removed as I am not connected to them. For the first address, I have a letter from the company that incorrectly associated my name with the address. Note that is from 2013. Feel free to share my information with the class action lawsuit against LexisNexis for failing to update information and remove information that is out of date. 

In addition to the XXXX errors above, there are multiple incomplete addresses. 

Additionally, LexisNexis fails to reasonably disclose my report. Reports are provided in an inconvenient format, including 100 duplicated entries which make reviewing the content of the report tedious. This serves no other purpose than to hide invalid and incomplete information from the victims of LexisNexis misinformation.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my 10th month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.
Consumer complaint received 2024-08-28
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. (NY)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2018-12-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Frontline Asset Strategies, LLC (ND)

I am repeatedly getting calls from a XXXX area code number with multiple numbers like XXXX and others from a company called frontline asset strategies. I told them I disnt know anything about the debt and he said he would email me a copy of the papers. Never got it he called again and said the same thing and I still have not got anything I have checked spam and regular folders.. he called today XXXX XXXX  at around XXXX XXXX  most. They also many times a day. I told him I wasn't agreeing to anything till I see the papers to validate it as I feel it may be a fraud account. But they still call. I have emailed them as well and got nothing. Just many calls all day
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

In XXXX  XXXX  leaked the data of XXXX  million Americans, I was also one of those XXXX million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has  suffered greatly. Hunter Warfield has continued to report this fraudulent information to my credit report which is a direct violation of the Fair Credit Reporting Act. 

I have disputed this account twice, this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area. 
Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.1. An explanation of what this alleged account balance is for.2.A calculation of the balance, including the complete payment history.3.Documentation that shows I have agreed to pay this debt.4.The agreement that grants you authority to collect on this alleged debt.5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-06-08
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I applied for financing at my local furniture store. I submitted an application to Synchrony Financial and my application was denied. I did receive an immediate notification from my credit monitoring system stating that my credit had been accessed. Today, XX/XX/XXXX, I received the denial letter which states that " no credit report was found ''. They improperly used my credit report but accessing it and basing their decision on the fact that they allege they couldn't access it.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (OR)

XXXX  XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX PayPal Email ID XXXX, You sent a payment XXXX XXXX USD to XXXX We've asked the seller to ship. 

Thanks for using PayPal. To view the transaction details, log in to your PayPal account. 

If this was not you, Please call us immediately at XXXX report this incident and block this transaction It may take a few moments forthis transaction to appear in the Recent Activity list in your Account Overview. 
Seller XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Note to seller You haven't included a note. 

Shipping details The seller hasn't provided any shipping details yet. 
Description Unit price Qty Amout XXXX XXXX XXXX - 64 GB - Black ( Unlocked ) Item number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shipping and handling Insurance - not offered Total XXXX XXXX -- - XXXX USD *************************** There were two of these for the same $ $ $ amount. 
The 2nd was from .... 
XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - this was for the same XXXX  XXXX and for the same fake customer, XXXX XXXX of XXXX XXXX Neither of these are real XXXX They are both fraudulent. None of the thtee transactions actually appeared on my Paypal account as of yet. I just received my XXXX statment saying " there are no transactions '' in the recent history.
Consumer complaint received 2024-08-08
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. (IL)

Dear Experian, I am writing to request the immediate deletion of certain items from my credit report that were added as a result of the XXXX data breach, of which I was a victim. 

XXXX has acknowledged my inquiry and confirmed that my personal information was compromised in their data breach. As a result, they have removed the fraudulent items from my credit report. However, these same items still appear on my Experian report. 

I am attaching proof of XXXX 's acknowledgment and their actions to rectify the situation by removing these items. I kindly request that Experian take the necessary steps to delete these illegal accounts from my credit report as well. 

Please review the attached documentation and update my credit report accordingly. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

The account name is Midwest Recovery and Original Creditor is XXXX XXXX XXXX. This charge is NOT mine and has mysteriously placed on my XXXX credit report. I have demanded that this company provide me with a copy of a signed agreement and video of me at their location. 

It seems to me that payday loans are targeting consumers who do not look at their credit report regularly ; I do.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint pertains to late payments erroneously recorded on my credit report. Upon careful examination of my records, I discovered these inaccurate entries. Despite having submitted correspondence about this issue more than 30 days ago, I have yet to receive any response or adequate validation.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

While reviewing my Best Buy statement I noticed a charge for " Fees '' in the amount of {$15.00}. I called Best Buy and was informed that the fee was for " fraud/credit protection ''. I stated to their representative that I never ordered this coverage and did they have any documentation of me ordering such coverage. The rep. said no. I asked how long have you been charging this fee. I was told, " Since 2009 ''. 

I couldn't believe it. I asked for the protection to be cancelled and refunded. Their representative cancelled the service and stated that he would forward a request to the appropriate department. 

I received a letter today from Best Buy Credit Services informing me that " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I will be sending Best Buy Credit Services a response stating that the fees are refundable because I never ordered Enhanced Debt Protection. 

I appreciate any assistance in recouping my over 11 years of unauthorized charges. 

Thank you ....
Consumer complaint received 2020-07-15
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: CORELOGIC INC (CA)

The following was previously sent to CFPB : Upon conducting a personal credit reporting review, I noticed that a company named CREDCO   conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. No consumer notification was submitted and this negligent act resulted in the personal credit damage. CREDCO  conducted unauthorized credit check for the following dates : XX/XX/2020, XX/XX/2020, and XXXX XX/XX/2020. 

The company responded with a spurious information regarding Identity Theft. The company should not provide credit reporting to a third party without consent and knowledge from the consumer. This company does not honor passing the personal information to a company and now the consumer is subject to a data breach of Personal Identifying Information. This is comsidered an Identity theft initiated by CREDCO. 

The following attachment is the letter sent my the company with pretentious information that does not address the issue and counter the information by holding the consumer responsible for actions they have so carelessly performed. I am requesting for a formal investigation and will also submit a formal complaint to the California State Attorney General to data breach investigation.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Opened a savings and checking account on XX/XX/2020 at Chase. They instructed me today XX/XX/2020 and gave me no reason. They refuse to give me a check for the remaining balance. Spoke to a couple of phone and in person bankers.
Consumer complaint received 2024-08-28
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX..
Consumer complaint received 2020-06-08
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. (MS)

I am trying to get my correct Date of Birth ( DOB ) updated on my Equifax Credit Report. 
The erroneous Date of Birth ( DOB ) currently being reported isXX/XX/XXXX but my correct DOB should be XX/XX/XXXX. I used the MYEQUIFAX website twice to dispute my DOB. I attached my Mississippi State Drivers license ( See attached XXXX XXXX ID ) ; but the dispute still come back asking for my Drivers License or Birth Certificate ( See attached DISPUTE RESULTS ). Apparently my Drivers License is being over looked by the Equifax dispute investigators.
Consumer complaint received 2020-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo advertised Covid Relief, my mortgage went into a 3 month forbearance to end XX/XX/XXXX. They refused to make arrangements to alter loan until XX/XX/XXXX, leaving payment due XX/XX/XXXX. Until this time no payment toward XXXX mortgage could be made without triggering 3 months payments due in full. ( it took 3 hour+ phone calls and escalation for them to even admit this ) I am now today, XX/XX/XXXX blocked access to my online account in order to make the payment due. I've called the number on the screen, got transferred ( they say mistakenly ) to brokerage services who could not help me and said I had to go back to the online banking number. Guess what, you get to go back to the end of the hold line! Still on hold 32 min. later. This is clearly a concerted effort to force customers to miss deadlines and incur fees and catastrophic financial consequences. I'm able to navigate hours on the phone, but we all know most don't have the wherewithall. I've been able to use my husband 's online access to make my payment. However, there is no option to set up auto-debit payments going forward and no direction or search item available to let you know what to do. I'm calling again now ... .. 
Wells Fargo wants you to miss payments, there is no other possible explanation for these shenanigans. If I could choose a servicer I would NEVER choose them.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial (TX)

XX/XX/year> My property consultant notified me of having false marks on my credit and to notify the companies as such. 

I contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX contacted back and requested of bunch of information just to get told they can't remove the false information. I told them they should already have a dispute in because I sent directly to XXXX. Which shows XXXX did not do their part. 

I contacted my consultant and let them know about the issue and it was suggested that I contact you for you to get the negative false info removed!