davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (GA)

I am so new when it comes to credit i tried to pull my credit report and it would not allow me to so after providing all information i noticed someone was using my full identity to acquire credit cards and apartments and a auto loan Credit card 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 I havent had enough CREDIT TO FILE bankruptcy
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (MD)

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 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 2023-05-11
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. (FL)

Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (NV)

I was the victim of identity theft about a year ago. I had to close all my accounts, and my phone # and email address. I recently noticed the same person had access to my computer and was attempting to AGAIN take $ out of my account. I also saw in my password file he had access to EVERYTHING. He has reopened closed bank accounts on more then XXXX occasion and i noticed he attempted to take XXXX $ and set up direct deposit to my cash app account. I am XX/XX/XXXX % XXXX and feel that this is an attempt on my life. I cant stop him. he has ALL my info.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have attempted 5 times to request a copy of Dispute Investigation Results from TransUnion. 

- Over chat in XX/XX/XXXX to get a copy of this letter- was told they only send over mail. Nothing ever showed up. 
- Again in XX/XX/XXXX, over phone call - I was told the copy of the letter would be mailed. A week later, a copy of my credit report showed up, NOT the results letter I requested. I needed this for a mortgage application. 
- Again in XX/XX/XXXX, over chat - I was about to move and I requested that it be sent to a new address. My credit profile was updated with this new address, but nothing ever was mailed to me. 
- Again in XX/XX/XXXX, chat- I had already moved but I ended up needing to stay at a different address than anticipated due to an airbnb host cancelling and requested a copy of the letter to my husband 's workplace. A week and a half later, another copy of my credit report showed up, but NOT the letter I requested. 
- XX/XX/XXXX, I made a phone call - the TransUnion rep stated that the company already sent me a letter in XX/XX/XXXX with the results. I attempted to clarify that I needed a copy of the same letter that was already sent, and the rep got extremely agitated and rude towards me and said that they don't do that. I requested to escalate the request. 3 days later, I got a phone call from another rep who attempted to fulfill my request but then placed me on hold for 20+ minutes after I failed to verify with unclear verification questions. I hung up. 

Overall, their failure to provide me a copy of this letter caused 3+ weeks of delay in mortgage underwriting, and remains an issue, as I have no way to prove that TransUnion previously deleted an account from my credit report.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

This is a complaint to CFPB Case XXXX. The individual from Synchrony Bank who handled my case was XXXX XXXX, Senior XXXX. I was a victim of an armed robbery and a series of subsequent fraud attempts on my card on XX/XX/, 2022. The card number at the time was XXXX. My current card ends in XXXX. 

After waiting for two weeks using the CFPB complaint service, I received a letter ( attached to this complaint ) stating that I need to have the detective email the Bank. The complaint has since been closed after that response. It has been over a week and counting since the detective sent the email on my behalf. This will make it three weeks total in addition to the months in which I've already been requesting this information through email, phone, and the CFPB. I don't want to continue delaying my request for information to receive key information that can lead to an arrest in the case. I should've had this information months ago. 

I don't appreciate having to hound the Bank 's fraud team for over a year for information on behalf of my personal protection as their client. Every attempt of communication in most cases has been some form of cop out to not serve me ; and it has accumulated to a year worth of fruitless outcomes. 

I am requesting all identifiable information related to three transactions ( two XXXX, one from XXXX ) made on XX/XX/2022, shortly after the armed robbery and assault. The screenshot of the text is also attached. IP addresses, locations, items attempted to be purchased, address ( for XXXX transaction ), and all other relevant information to the extent possible would be greatly appreciated.
Consumer complaint received 2023-02-01
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXX was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. 

XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX am a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-09-10
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: NAVY FEDERAL CREDIT UNION (GA)

I have 3 hard inquiries from the month of XXXX from NAVY FCU ( Finance ). I have never given permission for them to pull my credit nor do I know this company. The dates are XX/XX/2022 ( XXXX different times ) and XX/XX/2022. When I tried calling the number listed, it goes to a recording of an invalid number " your call can not be completed at this time ''.
Consumer complaint received 2022-09-10
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. (CA)

By law they aee supposed to tell me who verified information on my credit report. Experian refuses to tell me who verified the Bankruptcy on my credit report. 

XXXX  you need to send me an email letting me know when the company responds
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have the original debt collector XXXX XXXX  XXXX XXXX reporting as a collection/chargeoff account and I guess they sold the account to XXXX XXXX XXXX They are reporting to XXXX XXXX as an open account and reporting to Trans Union as a collections account. I dont understand how could they do this?
Consumer complaint received 2023-06-23
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. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2022-09-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 an account without my written instructions. 

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I did have a credit card with Wells Fargo around 2015 and it was XXXX dollrs and I didnt have job to pay and then I was trying to pay but the close my account to fast without any chance to fix it and the report me
Consumer complaint received 2024-03-23
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. (SC)

In a recent review of my consumer report I noticed an account ending in XXXX being reported by XXXX XXXX on my consumer report that is not mine. I do have 2 accounts with XXXX  XXXX that are mine and after speaking with a XXXX  XXXX agent by the name of XXXX, I was able to confirm that the account is not my account and that I should reach out to the consumer reporting agencies for the erroneous information, as this is a major violation of rights as a federally protected consumer. It is the responsibility of all consumer reporting agencies to report fair and accurate information in accordance with the 15 U.S. Code 1681e. Having an account that is not mine reporting on my consumer reports is definitely not fair nor accurate. Additionally, going forward, I am opting out of any and all reporting of the account ending in XXXX as it is my right to do so in accordance with 12 CFR 1016.1
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/2022 I was selling a bed on XXXX and I get a response asking if I accepted XXXX which I had never used before but I knew it was through the bank I use so I agreed. After that I get an email from XXXX saying I needed to activate my account. While I should have realized I shouldnt send money to XXXX at the time, I had also never used XXXX and trusted the email. After transferring XXXX dollars 2 times for a total {$400.00} it asked me they asked me to send another {$100.00} which I refused due to only having {$35.00} left in my bank. When I requested XXXX for a refund and stated I no longer wanted to activate my account they stopped responding. At this point I realized it was a scam and that night ( might have been the following day not sure if it was after midnight or not ) I filed a police report which I can contact the police department to get the report number and also as soon as my bank opened I reported fraud and they said they would look into it and get back to me which could take up to 90 days. It has been well over 90 days and I have still heard nothing back from the bank or the police. The police said there was most likely nothing they could do due to the fact most scammers are not even in the United States and the bank advised that XXXX will never send emails and both confirmed it was most likely scam Please help
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (OH)

My wife has a credit card in her name originally from  XXXX  I believe that has a balance of roughly {$7000.00} from back in  XXXX - XXXX . Cavalry Portfolio Services in NY has supposedly purchased the debt from another company and is is trying to collect the amount owed through, what we believe, unethical/illegal means. They have contacted her uncles, parents, etc. to try and reach her. Now we have received a couple unsolicited letters in the mail from attorneys stating they can help resolve this debt that, according to court records ( who know where ) has been filed with Cavalry 's attorneys for lawsuit.
Consumer complaint received 2023-03-09
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX15 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
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and Transunion and Account # XXXX to XXXX. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly.

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

My Experian score for auto loans is below 500 and there is no reason for it to be so low since 2013 I've had 4 auto loans that were financed over XXXX and all 4 have been paid in full as agreed with only one late payment ... no repossessions or defaults... so I'm having a hard time figuring out why when a finance company checks my Experian report that there seeing that I'm a risky barrower ... i have attached all the auto loans in my file... you can clearly see that i have a perfect barrowing record with auto loans thank you for any help
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (OK)

I was called from number XXXX stating the organization calling was XXXX XXXX. The provided me with the number XXXX. I called this number and spoke with a gentleman that stated I owed a debt to Santander for a loan on a XXXX XXXX XXXX. I told them that is was a loan through XXXX XXXX XXXX and was settled back in XXXX, then sold to Santander. He stated that if I did not pay that they would pursue legal action and place a lien on property or on income. I asked for the company name and was told it is called XXXX XXXX. They claimed to be a mediator for Santander. I believe this to be a bullying tactic to get you to pay old debt that is no longer collectable.