davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (MA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

This is the third CFPB complaint I am filing against Google Pay in the last couple of months. For the third time now my Google pay account under the email XXXX has been suspended for no reason. For the third time I am requested to submit my ID and most recent payment method which I submitted numerous times just to be told over and over the documents could not be accepted. I submitted my driver lisence, bank statement, phyiscal picture of my debit card, everything they asked yet they refuse to remove the suspension from my account and are now blocking me from withdrawing over {$2000.00} in my Google Pay balance which they also did in the previous suspensions. 

It is very sad that a corporation as big as Google is contiously bullying me and holding my money hostage for no reason. {$2000.00} is nothing to this company but for me it is causing serious issues not being able to accecss those funds. I am getting sick of having to file a comlpaint with the CFPB just to get Google Pay to accept my documents and stop holding my account ransom. It is very upsetting that it takes a government agency just to make sure Google Pay follows the rules and doesn't steal from me. I can only imagine how many people have suffered at the hands of this company because they did not have the same consumer knowledge that I have and did not file a report with the CFPB. Please Google Pay stop holding your customers accounts hostage and attempting to steal their money. It is wrong.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have had significant difficulty reaching and interacting with a Bank of America associate, XXXX XXXX, who was assigned to me pursuant to CFPB case # XXXX. XXXX XXXX and I spoke once, on or around XX/XX/2022, but then not again for the subsequent several months. I have left him several messages, and have had one message returned on XX/XX/2022. I believe XXXX XXXX is not completely aware of the extensive range of difficulties I am encountering and therefore may not be in the best position to assist further in this matter. 

I was very optimistic that XXXX XXXX would provide such assistance, but as mentioned, I have but unable to directly interact with him to advise him on my ( lack of ) progress and detail where help is needed. 

Most specifically, I have a new fraud claim and/or disputes open on several transactions, after obtaining the forged sales slips and comparing them to my own signature as it has appeared on any number of legal documents. I have been unable to obtain an update on these claims for several weeks now, despite the fact that my submitted evidence is incontrovertible and should be resolved in my favor immediately. As I have mentioned to XXXX XXXX in several messages, the evidence I have submitted should also have the effect of validating the prior disputes on transactions in the same date range as the ones for which BofA now has sales slips for.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to check my credit report after almost a year, I am seeing that a number of unrelated accounts that are definitely identity theft are showing up and affecting my credit score. I was never called or contacted about these accounts that I never opened but they are on my account and affecting my credit badly.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Augusta Collection Agency, Inc. (GA)

Over seven years the original creditor tried to collect a astronomical fee off {$2200.00} for a one time local transfer to the hospital and refused to receive my insurance and was extremely rude and has a history of treating local citizens like this.I file a better business complaint against them and they work with XXXX XXXX XXXX a third party debt collector to do dirty tactics and do double reporting on your credit profile at the same time which greatly impacted my credit score over the years.Now that the seven years are up the third party debt collector is still reporting on my credit profile but the original creditor XXXX XXXX XXXX stop reporting after seven years.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MI)

My checking and savings account was compromised and I had to get a new checking and savings account & routing number. I have several fraud claims pending with navy federal credit Union and theyre dragging their feet regarding issuing a temporary credit, dragging out the process, team members lying to me and not doing their jobs. Ive been on phone with them for several days for over an hour and I get the run around. I have phone records and emails of navy federal credit Union team members telling me different things thats not the truth. Im getting the Michigan state attorney generals office involved, as well as the XXXX
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We received a letter from the XXXX XXXX County Assessor 's Office ( property tax collector ) stating that our ( escrowed ) property taxes have not been paid. When I called the mortgage company office to find out what happened, i found out that someoen there had changed the property address in their system to XXXX XXXX XXXX, XXXX, CA XXXX sometime in XX/XX/2017 without any notification to me and without my authorization. As a result, the proeprty tax that should have been sent to XXXX XXXX County on befalf of the property at XXXX XXXX XXXX, XXXX, CA XXXX was instead incorrectly sent to XXXX County for XXXX XXXX XXXX, XXXX, CA XXXX, which is our billing address ( NOT the property address ). We were with XXXX before the mortgage was sold, and the property address has always bene XXXX XXXX XXXX, XXXX, CA XXXX. 

We sent all the relevant information to the mortgage company and asked them to correct the mistake, pay the appropriate taxes to XXXX XXXX County, and recall back the incorrect payment that was sent to XXXX County. They have done nothing to help us resolve their mistake.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX  2.XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX  XXXX XXXX 8 XXXX  9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting a late payment in XX/XX/2021. I have contacted chase and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

I can not reach these people by phone. They do not respond to my email. They send me a bill every month by email but I can not access the account to view my interest rate or update my contact info. The flagged my card as fraudulent when I moved. I sent my information to the only address I had for them which is in XXXX, Ohio. I can only pay my bill now through the XXXX XXXX XXXX XXXX. These is regarding my Comenity Bank XXXX.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAROLINA FINANCE, LLC (AL)

This account has reappeared on my personal credit report and is reporting as late from XX/XX/XXXX to XX/XX/XXXX. This information is currently incorrect. This account for Carolina Finance was part of a Bankruptcy in XXXX, in which the Bankruptcy terms were agreed. Also, the Creditor, Carolina Finance took possession of the vehicle, before being included in the Bankruptcy and the vehicle was sold at auction resulting in full payment of the loan balance. 
I received a Deficiency Letter from Carolina Finance in XXXX stating the sell of the vehicle. This was all added in the bankruptcy. According to the FDCPA, Carolina Finance is in violation of the law, by reporting fraudulent and inaccurate information to the Bureaus. 
In XX/XX/XXXX, I contacted Carolina Finance at XXXX and spoke with XXXX, who advised me there is nothing they could do and I would have to contact the Bureau reporting the information. I asked if he could mail me out a copy of the original loan and the bankruptcy notice and he stated he is not the one to do so. On XX/XX/XXXX, I contacted Carolina Finance once again and asked how could we resolve this issue. I spoke with a XXXX or XXXX who would not give last name and he told me to fight with the Bureau. 
This account begins reporting as late in XX/XX/XXXX. I did not have possession of this vehicle or owed any amounts as of that day.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under XXXX XXXX when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/XXXX we checked into our hotel room and XXXX held {$740.00} to cover room charges. On this card once this happens the funds are immediately removed from the account and typically held until a request from the hotel is made to collect funds. I have a receipt from the hotel on XX/XX/2017 stating the funds had been collected. At this time I was in the hospital and a unauthorized charge for XXXX was taken out of my account. I called XXXX and made them aware that this had happened while the transaction was on hold. They told me I had to wait until the transaction was complete to dispute it even though I told them I did not authorize the transaction. I was also told that I had to wait 30 days for my deposit to be refunded by XXXX On the XX/XX/XXXX the funds of XXXX were sent to XXXX. These transactions sent my account into a XXXX dollar negative balance and they were unable to explain how this happened. I am unable to use my account until this is resolved or pay rent.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/year>. XXXX  || Date of inquiry : XX/XX/year> XXXX  || Date of inquiry : XX/XX/year>. XXXX  || Date of inquiry : XX/XX/year>. XXXX  || Date of inquiry : XX/XX/year>. XXXX || Date of inquiry : XX/XX/year>. XXXX XXXX XXXX || Date of inquiry : XX/XX/year>
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.