davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I opened an account with Conn 's in XXXX of last year. Initially the associate made a mistake on my order & once this was noticed, rather than correcting the account, a new account was opened and the balance was supposed to be transferred to the new account. At the time I did not even know about the existence of the first account. I was made aware when Conn 's collection department called me, requesting payment for this erroneous account. I have spent countless hours on the phone with the various departments within Conn 's and have been assured repeatedly that this would not effect my credit and the first account would be closed out. Well over six months later I have had no resolution & both accounts are reporting on my credit, with the erroneous account, reporting negatively. I receive almost daily collection calls from Conn 's which ultimately end with the associate reading the notes & apologizing, again, assuring me the matter will be taken care of soon. My " real '' account is in good standing & I am a very frustrated & unhappy customer. 

I would like to reiterate that at no time was I made aware that a second account was opened in my name, nor was I aware that the first account was balance transferred to the second account.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (FL)

This company is trying to collect debt for medical bills from 2013. This debt is currently also being collected on behalf of another collection agency as well. From my understanding, 2 collection agencies can not collect for the same debt at the same time. Also, I received calls from this company 3 times within 1 hour today which I consider harassment, especially if youre not going to leave a voicemail and then when I do call back, I am hung up on by one of your representatives.
Consumer complaint received 2020-02-05
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. (FL)

In XX/XX/XXXX-XX/XX/XXXX somebody opened student loans in my name without my knowledge I reached out to XXXX XXXX and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported on my credit report.
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

I spoke about my XXXX $ i have been paid on XX/XX/XXXX, i splain didnt have job for covi19, but i waitinng for money..he rescheduled a paynent for this moth XX/XX/XXXX th ..But the company OPORTUM.whos i always ii paid on time and its my XXXX loan sent me a letter charge me late fee snd interest, i called back again and they didnt want eraser the late fee and intereses for late they didnt understand, iwe have and emergency problem. and dont have work ... i tried paid the late amount but they still want charged me late fee and interes rate ..they dont want help ..i want paid but not interes rate not late fee ... XXXX
Consumer complaint received 2023-07-23
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. (MO)

The credit bureaus stated my account 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. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have included screenshots and letters that I have submitted to the bureaus.
Consumer complaint received 2023-07-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or about XXXX, after receiving documents from XXXX XXXX regarding a file company against Bank of America, one personal signature statement was presented along with a copy of a cashed check that was unrelated to accounts in questions. I reviewed the documents and found that the personal signature statement contain a name and address of the bank representative ( XXXX XXXX XXXX XXXX XXXX  in XXXX , Tx ) ph # XXXX. I proceed to go to Bank of America at that location. I spoke the the Branch Manager which, she was very helpful and had no knowledge of the person on the documents. She checked the transit numbers ( written across the XXXX TX XXXX XXXX ) on the check which was sent by XXXX XXXX with no match to their system. We also check the two the phone numbers of the transaction one for XXXX XXXX-ph number XXXX which, a man stated it was not XXXX XXXX and refused to disclose business. The other business was XXXX XXXX # XXXX which, was a good number but, no one could ID the activity. What's very odd was the signatures on the " Personal Signature Card '' The Printed Name was " NOT COMPLETED '', the Signature part was copied and " had Add-XXXX  '' and the DATE contained to MANY Numbers " XXXX. It appeared to be TWO PEOPLE WHOM attempted to sign the document for account ending with " XXXX ''. We looked at all 4 " Personal Signature Cards WHICH ALL CONTAINED DIFFERENT SIGNATURES. Accounts which utilized the Business Name contain No " IRS '' FEIN number or NOR utilizing the business email address. Some used the old school college account which, after school we never continue to get access too. After you graduate from COLLEGE the email access is REVOKED -- '' NO ACCESS ''. These Personal Signature Cards where VOID at time of Service due to the DATES or Not trying to check the signature cards on file which would have alerted the BANK THAT PROTENTIAL FRAUD WAS GOING ON. The Bank Records show this was also my husbands account which was transfer to the forged ( my name ) account number ending in XXXX. I Filed a XXXX Police Report for Forgery and had already filed fraud in XX/XX/2015. Please see the attachments..
Consumer complaint received 2023-07-23
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. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  : Account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My charges for USAA VISA BEGAN XX/XX/XXXX PER USAA. I am a victim of ideninity theft needing to verify A VISA card. When USAA was asked to provide how this Visa was Opened and By Whom The attatched MASTERCARD end XXXX XX/XX/XXXX. was sent to me. I then ask So if Visa was an old Mastercard that USAA coverted to Visa AS USAA TELLS ME and Was Not used UNTIL 4 YEARS AFTER OPENED IN XX/XX/XXXX. Why wasn't it CANCELLED DUE TO INACTIVITY. The average of which is 6 months average in the industry to cancel after inactivity. AND FRAUD CHARGES BEGAN THE VERY MONTH I BEGAN USE? I GUESTION HOW SAFE WAS THIS MASTERCARD/ VISA INACTIVE FOR OVER 4 YEARS CARD WAS THAT WAS NEVER CANCELLED FOR INACTIVITY.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

On XX/XX/2023, I submitted a Notice of Dispute and a Request to Remove Inaccurate Information from my LexisNexis Accurint Report regarding the incorrect Possible Properties Owned by Subject ( XXXX ) to LexisNexis at XXXX ( See attached Supporting Document # XXXX ). On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). On XX/XX/2023, LexisNexis responded to CFBP Complaint # XXXX with an attached letter titled cfpb XXXX XXXX XXXX XXXX XXXX ). LexisNexis ' response failed to address my complaint in any way. LexisNexis ' response addressed an entirely different matter altogether. LexisNexis actual letter was titled Re : CFPB Case # XXXX ( See attached Supporting Document # XXXX ). Interestingly, on XX/XX/2023, LexisNexis responded to a separate CFPB complaint and listed CFPB Case # XXXX in the reference line. However, once again, LexisNexis ' response failed to address the incorrect Possible Properties Owned by Subject in any way ( See attached Supporting Document # XXXX ). The incorrect Possible Properties Owned by Subject is still being incorrectly reported on my LexisNexis Accurint Report. This communication is my FIFTH NOTICE to LexisNexis regarding the incorrect Possible Properties Owned by Subject that LexisNexis continues to incorrectly report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. If LexisNexis believes that its reporting is accurate, please provide me with all source documents that identify the specific entity, address, and complete name and contact information of the individual whom LexisNexis spoke with, including the date and time, to confirm the incorrect information as accurate. If LexisNexis is unable to provide the required documentation, LexisNexis must promptly remove the disputed information from my LexisNexis Accurint Report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2020-02-05
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)

I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM XXXX AND EQUIFAX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. 


Firstly, I tried to setup an autopay in my XXXX account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as Im expecting a new baby in early XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from XXXX to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from XXXX would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the XXXX website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with XXXX, we have been comeback customers for our home loans and have been loyal good standing customers with XXXX. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from XXXX as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from XXXX.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consolidated Recovery Group, LLC (WA)

A few years ago I allowed a friend to stay with us until she could get on her feet. She stayed in my office so she had full access to all my info. She opened a account with XXXX payment solutions to invoice people for a product she was selling from XXXX. It was a lash growth product called XXXX. I knew she was selling this to all her girl friends at the cosmetic department. I guess she went much further. By the time I became aware of the situation XXXX shut down the account and fined me {$30000.00}. Which seemed like a scam. I tried to explain but by them this woman had disappeared. I have tried to talk to these people to no avail! They turned it over to a consolidated recovery group. They are very aggressive and basically laughed. They put this huge collection on my credit report, which I worked diligently to have removed. I finally succeeded and now are threatening a lawsuit. I have looked this company up and the have tons of complaints. Please help me to get rid of this once and for all. 
XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXX, XXXX   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 2020-02-05
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM EXPERIAN AND XXXX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-09
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. (CA)

I am a victim of inquiry issue. 

Transunion : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED TRANSUNION / XXXX   CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Last month, I contacted chat and requested for them to provide a history of my disputes I have filed with Transunion, dating from 2015 to current with the results. The agent stated he requested the information to be unsuppressed and a copy of all of the information would either be emailed, XXXX, or mailed to XXXX XXXX XXXX XXXX, XXXX, GA XXXX. They also stated the request should be recieved within 7 to 10 business days.

Once this was completed, I noticed that all of my online access to my credit report and dispute history has been stating this information is no longer avaliable for online access. I have called and spoke to several agents and a manager for the status of the dispute reports and they have questioned " Why. '' Additionally, they keep advising me that I should only be concerned with the current information. However, FCRA promises me access to all of the information, past and current. Therefore, I am requesting a history of disputes filed with the results for my records.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

in this complaint XXXX I discussed 2 times my accounts were closed, I asked for the money from the account closed in XXXX the response of the company was : We restricted your account ending in XXXX for closure, as we need to verify the maker issuance of multiple check deposits. Your account closed on XX/XX/2020, and we placed your remaining funds in suspense. To have the funds released from suspense, we need verifiable phone numbers for the makers of the checks I dont have the names of the checks and asked for copies of the checks so I can locate the makers and ask them for affidavits.