davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. 
i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Consumer complaint received 2023-07-31
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)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

Hello, my name is XXXX XXXX and I have been having issues with my loan company account, Bridgecrest. Bridgecrest is a finance company for vehicle loans. I have reported to them that after I was in the hospital and returned home, that all of my information has been hacked. I have been trying to update my information with the company so that I can have access to my loan and make payments without any fraudulent activity. However, the company seems to have an account already connected to mine, despite me asking them to delete all accounts associated with me, XXXX XXXX. They have assured and reassured me, that all accounts have been removed on my end of the loan, but has not, because I have tried to login on an old email address which has acess to the account, which they say has been deleted, but has not, I have also been trying to resolve this issue for over two months now, currently, I have been told by bridgecrest that all accounts have been deleted except for the co-buyer 's, But I still don't have access to my account, and the website keeps saying there is an account already linked to any email I use with my social and date of birth, Unfortunately, every time I call, I am given the runaround, and told to wait for alot of days, with no resolution to my issue of resolvement to my account, If someone could please help me with this, that would be great. I can not even process payments on my side of the loan without it appearing as if someone else is doing so. My account information is also provided below also. Thank you. 


Primary Buyer 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 2023-06-08
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: LEXISNEXIS (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-04-24
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. (NC)

This is my 16th 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, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (ME)

I have provided Target Credit and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also XXXX, This was not mine also
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

I add {$6000.00} to my venmo account and was using the account to pay my employees. I had been trying to send one employee her money but the app kept declining the transaction. I Called the company and was told they would reset the app i then follow the instruction from the customer services rep and waited a few hours to resend the funds, it was then still been declined. I then try to add another card to the app to withdraw the funds. A few hours later I was told they had suspended the account. I followed the instruction from the company to send my id once again I called in to Venmo only to be told they would not release my cash until XX/XX/. I have to wait 7 business days before they would be able to release the funds. In the mean time my employee can not received her check.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Bait and switch. This is a 3rd party loan to pay for a service. The dealer was told Service Finance offers 18 month interest free loan with a mimimum monthly payment. They approved 14 months but will not tell me why I did not qualify for the 18 month term as advertised. My XXXX  score as of XXXX is XXXX " Nearly perfect '' and my debt to income ratio is approximately 2 %. They refuse to explain to me their decision and placed blame on the dealer who simply helped me fill out the loan application so they can be paid in full while I pay Service Finance as a 3rd party.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX, this morning a lady left a voice mail stating I used her credit card and please do not use her credit info. I never talked to this lady who called from ( XXXX  ) XXXX. Someone yesterday XX/XX/XXXX, tried to debit {$2000.00} from my bank account. Today I get a voice message from a unknown lady seems they must live somewhere in Pennsylvania, Who are these people?
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A. (MN)

I have not received any debt validation notices or statements from the original creditor. 
I was never served by the court, or neither was i notified by the debt collector about them filing any lawsuit. 
I received a judgement from the court that I considered fraudulent based on the fact that I do not have knowledge of this debt. 

This collection agency is in the habit of obtaining judgments that is not valid and pretend to be the original creditors. 

I am asking that this collection agency remove said judgement from my record and vacate all judgment pertaining to me.
Consumer complaint received 2023-04-24
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have submitted a dispute regarding this information multiple times, but I keep receiving notifications to verify the accuracy of the information. Equifax has not provided me with any documentation regarding whom they have contacted or proof of documentation. I sent a dispute and a mail to Equifax in XXXX and XXXX of 2023, which was validated for not providing me with updated information on my dispute status. I had to submit information online, and they need to conduct further investigation to correct the payment on my XXXX XXXX auto loan. I paid this auto loan in XXXX, XXXX, XXXX, and XXXX, but my credit report shows late payment due to a law section, 15 U. S. Code Billing Error. According to the law, 15. U.S. Code 1681 A-A1, it is illegal to report payment transactions/experiences with creditors. I request Equifax to remove this late payment from my credit report as it is affecting my life due to inaccurate reporting. I am providing proof of documentation of payments in the picture and a payoff quote. I sold the car, and the payment was made directly to XXXX XXXX on time.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (IL)

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 XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Morning : During COVID-19 I informed Capital One of not being able to make payment for couple of month since the whole country/world was on hold. 

XX/XX/21 and XX/XX/21 I had an hardship advised the creditor of same. Even though I have been their client for over XXXX month, they still saw the need to report my payment late. I was under impression that there was a CARES Act and since I am in NY there were other executive laws signed into law to postpone reporting or payments. 

I immediately paid such accounts and brought them up to date, and have not been late ever since. I am very hard working XXXX XXXX and at the time has been bombarded with work and not being able to function as a normal person. 

I pleaded with the company to use the law and their common curtesy to remove the XXXX late payments ever on my credit so I can achieve my American Dream by purchasing a home for myself and my kids. This late payments during COVID time has caused to raise the interest on the Mortgage I am able to receive. 

I would like them to immediately report my account in good standing. Furthermore they can issue a letter mentioning my accounts were never late, and I can have the credit companies update same.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-24
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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 — Investigation took more than 30 days
Company: U.S. BANCORP (AR)

I paid off my US Bank line of credit account by a settlement amount offered to me by US Bank on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the XXXX XXXX, they say the information they have is accurate and that's not correct. I have disputed this XXXX times now and get the same answer.
Consumer complaint received 2023-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc. (FL)

I received this text on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : " Here is your acct info from XXXX. Visit XXXX XXXX XXXXXXXX or call XXXX. See details : XXXX XXXX stop to end '' Because of the deluge of spam by text and calls, I ignored the text and hesitated to follow the link because I thought it could be a scam. I did not receive any other notification other than the texts. I did contact the company after receiving an alert from my XXXX account that I had been reported to credit companies. They claimed that they usually send written notice but had no record of it being done. 

I believe I was inadvertently sent to the debt collector, and I am addressing this with the facility I was billed by.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I signed up for the card noting that, like all cards, it can be added to phone ( XXXX XXXX XXXX ) wallets. When I received it, this failed to work, I worked extensively with their agents to get it to work to no avail. They admit this is a widespread problem and theres nothing they can do. I advised this is a dealbreaker and that Id want to undo the relationship and Id need the credit bureau inquiry dropped as they have not delivered the key feature they promise and are unwilling/unable to remedy that. I have told them that if they can fix the problem fine, but they have not. I feel I was brought in under false pretenses and should not take a credit hit for cancelling this card.when I told a supervisor that it was unacceptable that they said it wouldnt work and there was nothing they could do, she laughed at me!
Consumer complaint received 2023-06-07
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: CLGF Holdco 1, LLC (SC)

I was informed a week and a half ago by both XXXX XXXX and XXXX XXXX that there was a new hard inquiry on my credit report by XXXX. As I looked into it, the inquiry was from an unknown bank that I have never had any business with. Reverse searching the address and phone number on the inquiry led me to Genesis FS Card Services. 

I emailed the two emails I could find on their website informing them that I have never and will never have any accounts with them and they did not have my authorization to run a credit inquiry. They provide three types of Mastercard credit cards, which I have none. 

After my original email, I had to email twice more because they had a purposeful typo on their website with their email link that made it undeliverable. I had to fix the mistake and resend it to two different addresses. Their customer service is non existent. 

I have already filed a XXXX complaint over this issue and now I am filing a complaint with the CFPB. 

I have NEVER done business with this institution. I have NO accounts with them. I am seeking NO new accounts with them. My most recent financial account is 2 years old and with my own credit union, so there was absolutely no reason for them to run a credit inquiry. They refused to response to multiple emails.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (NV)

SPRING OAKS CAPITAL I did not enter into any type of agreement nor sign. Any paperwork contract with this company I requested to have this account removed from my credit report because it is in accurate. And I am not liable for this with XXXX XXXX or XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I have been a Wells Fargo customer off and on since XXXX. I have had car loans and checking and savings accounts. I reopened a checking and savings account and did so two plus weeks prior to my deposit issue. Unfortunately, the local XXXX, VA branch of Wells Fargo closes at XXXX XXXX. on Fridays including the drive thru. I submitted a check deposit through the ATM and it was verified. The check being deposited was a Wells Fargo payroll check going into my Wells Fargo account. They have placed a hold on the check since Saturday, XX/XX/XXXX. I am told that they will not release the hold until XX/XX/XXXX. Under law, I am to the understanding that they can only hold a check for seven days. That I was told by XXXX in their customer service department was also a company policy. XXXX tried to say that on their end, it showed the hold being placed on Monday, XX/XX/XXXX. My documentation shows otherwise. I can not get anyone to help me with this and feel that not only is this poor business practices but also violating laws which in the past Wells Fargo has done and lost court cases to. I would like some help in getting this resolved as they are unwilling to help.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

They are reporting a collections account from XXXX XXXX XXXX  in the amount of {$690.00}. This is not my account and is the result of identity theft. This fraud account needs to be removed from my credit report immediately.