davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

My name is XXXX XXXX and I am writing this complaint in regard to Early Warning. I was denied a bank account due to the information that's listed on the Early Warning report. There are several bank accounts listed on that report that is not mine and were created in the attempt to commit fraud against me by an ex-boyfriend. I submitted early warning a FTC report indicating which accounts were and were not mine however they stated the accounts were accurate without providing me with any information to verify their claim. Early Warning nor have the banks listed on the early warning provided any documentation to verify the accounts listed on the reports are mine. I will like Early Warning to investigate my claims thoroughly instead of just taking the bank word for it. 

If Early Warning has any documentation from any banking institution verifying the accounts listed on the report are mine, I will like that verification so I can add it to my FTC and police report and continue to fight.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bancshares, allowed me to open up a business checking account using my LLC 's legally  registered business service address. And allowed funds, {$1.00} cash and {$25000.00} check to be deposited into the account. The account was later frozen along with all the deposited funds. The Bank Compliance dept requested my LLC be listed at another address for the Bank account to be unfrozen. Now the Bank account has been closed, and no communication has been sent or written to me regarding what has happened to my funds. 

Why was I allowed to open up a business checking account using a address later deemed by the Bank to not meet compliance? Why wasn't this addressed at the opening of the Bank account, why was it noticed after I had deposited funds. Huntington has given me the run around is avoiding communication with me. And has not returned my {$25000.00}.
Consumer complaint received 2022-02-17
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. (MS)

Hi I am submitting this XXXX XXXX without 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 Bum. 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 n 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 us 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 n now im XX/XX/XXXX n cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-04-07
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. (FL)

This complaint is specifically against Experian. 
On XXXX of XXXX, my husband and I applied to a home equity loan with XXXX XXXX XXXX and were denied. The reason for the denial was stated as the presence of " a deed in lieu of foreclosure dated XX/XX/XXXX ''. ( Copy of XXXX XXXX  email attached ) We understand that all lenders have a minimum of a 4 year waiting period after this type of event, however, the Deed-in-lieu reported refers to transaction with XXXX XXXX dated XX/XX/XXXX, which is over 4 years ago. 

We disputed this information through Experian on XX/XX/XXXX and we discovered that XXXX has not been reporting any information to the credit agencies, so they stated that the error was on the credit agency 's part. They provided us with an official letter certifying the date of the transaction and reported to the agencies ( including Experian ) that this information should be corrected. ( XXXX Letter attached ). 

As a result of our dispute, Experian updated our credit report by moving the derogatory mark " N ''  from XXXX to XXXX XXXX screenshot attached ). This mark still indicates to lenders that this deed-in-lieu happened in XXXX of XXXX. This is INACCURATE accurate information which will prevent us from acquiring any home loan product for another four years! 

When we tried to resolve this issue with Experan they indicated that they can not erase this mark from our report. We have called several times and asked to speak with someone in the Escalation Department to no avail. Their explanation is that this is an update to our report resulting from our dispute ; the problem is that they are NOT CODING IT CORRECTLY. 

We need Experian to correct this information in both my credit report as well as my husband 's ASAP, so that lenders can see that the deed-in-lieu happened in XXXX of XXXX and we can move forward with our loan application. 

Thanks for your help.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (SD)

On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have XXXX a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I tried to order my credit reports from Experian and XXXX and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc. (FL)

I have tried to communicate with both the debt collection agency and the medical group about my dispute regarding there inability to provide adequate notice of this debt. 

I am well aware of local and state consumer protection statutes and am asking the CFPB for assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and the Alaska Unfair Trade Practices Act protect consumers against unfair collection practices and malicious persecution. 

I would like to point out that creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information that was submitted is inaccurate and must be removed. 

In my communication from XX/XX/XXXX with this debt collection agency, they claimed that they spoke to me in XX/XX/XXXX and that I hung up on them. This is completely false. I have never spoke to this debt collection agency. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. Please be informed that I am a travel nurse and thus by the nature of my profession move every 3-6 months as a new assignment is made. I can virtually guarantee I can prove I was not residing at the address you claim to have mailed the initial dunning notice to. You are violating the law and I am documenting it. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.
Consumer complaint received 2020-04-07
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: ONEMAIN FINANCE CORPORATION (IL)

I noticed there are 2 inquires on my credit report that I did not authorize. The company is ONE Main Financial. The dates are XX/XX/2020 and XX/XX/2020. I called and asked a question about my current account with them. The scary part of this is I didnt ask for any credit just a question on my account. They ran my credit 2 times without me knowing it. I wrote them a letter to dispute this and they refuse to remove it off my report. Its very unfortunate that companies are allowed to do this and are able to damage ones credit with no consequences. I want this resolved ASAP. I dont want to seek legal help with this matter but it may be the only solution. Please help me resolve this
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (WI)

I only ordered one gift card at {$50.00} value from Vanilla Visa gift cards ( vanillagift.com ) but when I got my confirmation order emailed to me, the confirmation said I was being charged for double my order. I KNOW that I reviewed my order prior to checking out online. I called the very minute, 3:55 PM on XX/XX/2021 I received the fraudulent confirmation order of {$100.00} and said that I had only intended to buy one card and I wanted them to cancel my order OR change it so that only one gift card was sent as a gift to the address I enclosed. 

On their website it says that they can amend orders if you call immediately as they like to be expedient in getting orders out. 

After being on hold for an HOUR I was told by a customer service representative that there was nothing I could do and that I would be charged XXXX dollars instead of XXXX. 

I had to report them as fraud to my credit card company so that the charge would not be applied to me. This was an expense for work and I fear I won't be reimbursed for this fraud. 

Since the incident, I have found that Vanilla Gift is well known for scamming customers in this way, but I wish I'd known that earlier as they seemed a reputable website.
Consumer complaint received 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a alert that I have a new inquiry on my credit on XXXX XXXX from capital one bank I never signed up for a new capital one card I believe its fraud
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nicholas Financial Inc. (MI)

This account with XXXX XXXX with the account number XXXX, has been paid, and thus, it should be removed from my credit report. There should be no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX, and even to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I contacted TransUnion about a fraudulent collection from XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1400.00} ). They didn't respond to my request to remove this account.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is showing that I owe {$420.00} on my credit reports I have never had a XXXX XXXX  account. I never ordered anything from XXXX I checked with the post office and nothing was ever delivered to my PO box  from XXXX if something was delivered you would have a signature please send a copy of the signature this is not my account please delete from credit reports today
Consumer complaint received 2023-05-12
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. (MI)

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-04-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

I was in a lease until XX/XX/2017, I had my apartment cleaned and I had moved out before XX/XX/XXXX. I had given verbal notice that I was not going to continue living there. I received a bill from the law offices of Caine and Weiner that I had three months back rent in the amount of {$4600.00}, and {$75.00} for late fees. I was charged for " excessive cleaning '' {$240.00}, {$660.00} for legal fees, and {$120.00} for utilities, and a carpet cleaning for {$160.00}. Total {$5900.00} minus {$1000.00} for my deposit. From what I understand XXXX XXXX in XXXX has a bad reputation of sticking it to there tenants for leaving. As I understand it the laws of California are the Leasing office is responsible for getting an apartment ready for the next tenant and carpet cleaning, repainting the walls, and cleaning falls on the responsibility of the leasing company.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

Affirm Inc is reporting under my good name a fraud account. This fraud account is stating that I owe {$790.00}. I have never done business with them nor know whom they are. Please have them removed this fraudulent account.
Consumer complaint received 2022-10-21
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. (FL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4..Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
5..Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 6.The following personal information is incorrect Account Number : Current address ( es ) XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7.The following personal information is incorrect Account Number : Current address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Really appreciate your time and effort !
Consumer complaint received 2020-04-07
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX  XXXX {$320.00} XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX  XXXX {$33000.00} XXXX XXXXXXXX {$1200.00} XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2023-05-11
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. (NC)

I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (TX)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (SC)

XXXX XXXX These are the two numbers they are calling from to scam credit cards. They instructed you can get 0 % APR. They ask for card expiration date, last four numbers of card and last four numbers of social security number. Also if you have any additional cards. 

When they couldn't get anything after I hung up, they called from another number. 

Thank you for allowing me to report. This was in reference to Discover. I will notify them. 

XXXX XXXX XXXX