davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (GA)

Equifax please remove the credit inquiries XXXX XXXX XXXX XXXX  inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (VA)

I have sent numerous letters to XXXX asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from XXXX. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to XXXX and Experian regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. XXXX sent me a copy of my credit report and I have not received any written documentation from Experian verify this account. 
I have been writing each bureau since XXXX and am not getting a response.
Consumer complaint received 2023-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I received alerts from my current credit card regarding a hard inquiry and a change of address from Bank of America done on XX/XX/XXXX. The address reported does not belong to me nor I applied for a credit card on this date. I reported this incident to XXXX and Bank of America on XX/XX/XXXX and XX/XX/XXXX. However, on XXXX I received an alert again regarding a different inquiry done on this day. I did not apply for a credit card on this date either.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TX)

The fraudulent company XXXX XXXX XXXX was taking {$190.00} from my account from XX/XX/XXXX until XX/XX/XXXX and then they started charging {$40.00} from XXXX until XX/XX/XXXX. I tried to settle this with the bank but they did nothing, no one ever called me and this company was fraudulent. SunTrust bank did not give me any money back as this company stole my money without my authorization. Then they tried to close out my account after initially denying the claim, it appears as if this was retaliation for filing the complaint. I contacted the company. Who didnt respond due to being XXXX down by the government, disputed it with the bank to no avail, filed a complaint with with the OCC snd now were here, they have done nothing nor has researched anything. Hopefully theyre a better bank as Truist bc tax Suntrust not so much.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NY)

I was locked out of my account to pay bills and when I called to get help, I was promised a 2 month deferment while the company tried to unlock my account. No word, and I was unable to reach anyone who could tell me the problem and/or how to fix it. My car was then repossessed, I was charged insane repossession fees and overdue fees that I could not pay due to being locked out of the account. They took my car, multiple damages were incurred, and multiple items were removed from the car that were NOT returned to me. 

I had to travel an hour and a half to get the vehicle, as well as purchase a new car registration and inspection. When I finally got the car back after shoveling out all the money I had left after layoff from the pandemic, I was able to get the car back and was refused refunds multiple times. Conveniently, my account was then unlocked. Wells Fargo was really awful to me and after all I see in the news, I know I am not the only one who has suffered at their hands. 

I wish I still had documentation, I gave up after several miserable calls and no help at all. In XXXX I plan to refinance the car and leave this company.
Consumer complaint received 2024-03-14
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-14
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. (ND)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  ( Original Creditor : XXXX XXXX  ) Account Number : XXXX, and so on.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-12
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: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

PayPal/XXXX  told me on XX/XX/XXXX that they cancelled my {$20.00} a month recurring transaction to XXXX ( but they actually cancelled the {$35.00} a month one ). However, I asked them to confirm this on XX/XX/XXXX, and they cancelled my {$20.00} a month transaction too! XXXX then told me she couldn't reinstate the {$35.00} a month donation! XXXX only needed to see the monthly amount transactions and he would have been able to properly cancel the right one and saved us hours of time!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

XXXX 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 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2022-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (OH)

Hello, I received a call from my XXXX XXXX XXXX grandfather that I received a piece of mail for me about a week before XXXX around the XXXX of XXXX, 2022. Having received a few pieces of junk mail in the past due to co signing on an auto loan many years back, I didn't rush to go pick it up. In fact, he called me a few days before XXXX to let me know that there was another letter that he received for me. I told him to bring them with him on XXXX eve to our family gathering. 

Flash forward to XXXX XXXX, my grandpa brought me a big envelope from a law firm called Stenger & Stenger from XXXX XXXX, MI. The other letter was from my local city Municipal Court. 

The law firm envelope had the entire lawsuit laid out in the envelope of a debt that I do admit I do owe money too. The very top document in the envelope was a Motion for Default Judgement against me essentially stating since I have not responded to the court documents issued on XX/XX/2022 that I should have a default judgement be made. 

The Municipal Court letter was to show that on XX/XX/2022. The Motion for Default Judgement was approved and now I owe them all the money and they won the lawsuit including court costs and a 3 % interest rate. 

My issue with this is that I've lived at my same residence for over the past decade. The company they are representing is XXXX and we lived here when this debt was incurred. How shady is it that when legal documents are issued, they sent info to the courts, not the address that they had on file for me, but to my XXXX XXXX XXXX grandfather 's address. Seems like they didn't want me to get these documents to be able to plead my case. Instead now I'm facing a judgement on me from the court system and it will be on my credit report that I have been working hard to get my score up on. 

Sad part of all this is, if they would have reached out to my correct address, I would have worked with them to get them paid down without any legal action. They just need to send information to my correct address for me to do so. As stated above, I've been working at getting my credit repaired and would have loved to help get this one off my list. 

Did I mention that I've never lived at my Grandfather 's address in my life? There is no reason for them to think I lived there. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX  in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Admin Recovery, LLC ()

This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from XXXX XXXX was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from Admin Recovery dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX  and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from XXXX XXXX.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2020 : I had submitted a claim with Bank of America due to my debit card being stolen and {$1200.00} of fraudulent charges were being posted to my account. They ensured me that this would be handled with importance. I believed them as I have NEVER had to file a claim with them prior to this incident occurring. 

XX/XX/2020 : I called in to get an updated status of the claim. I spoke with a gentleman out of Tennessee whom stated that he had put my claim in for a hardship, thanks to the crisis going on in the world, and he stated that my account should be credited by Friday, XXXX XXXX. I thanked him for handling my situation and waited, again. 

XX/XX/2020 : XXXX XXXX I received an email stating that all transactions were authorized and posted correctly which absolute insanity. I have since been on the phone with now 3 different people. The first lady stated that she could send me over to the claims dept to have my claim reopened. This is after I sat on hold for approx 1 hour. I finally was able to reach someone in the claims dept whom stated that it was closed and that if i had any evidence on new charges she could reopen the claim but until i did, she couldnt do anything about it as they dont see any fraud. I asked to speak with a supervisor and she refused to send me to a supervisor stating that a supervisor cant do anything regarding the situation. I'm currently on hold waiting for a different person. I'm highly upset about this. I do NOT make large purchases as it is off of this account ( one fraud purchase was for {$870.00} ) and am ready to pull my account from them. They do not take loyalty to their customers seriously. 

I should not have to lose almost {$1300.00} due to their negligence on protecting their customers.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (FL)

I filled out a form for info about Cross Country Mortgage. I received a call advising of services offered. I decided not to move forward with their products and requested to be placed on their " do not call list ''. The company calls every day from a different number. Each time I answer the call and ask not to be called any more. I also block the number. They keep calling daily from a different number, in violation of my my multiple requests.
Consumer complaint received 2022-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I check my credit report with Experian almost daily. my score was XXXX and for no reason it dropped XXXX points. When i asked why this is the answer i got " We are not licensed credit advisors. That is not what we do. '' I also check my transunion report and it went up XXXX points to XXXX at the same time the other dropped XXXX points. They refuse to give me a reasone and nothing has changed on my report or my credit. I feel they need to put it back where it was or at least give me a valid reason as to why this happened.
Consumer complaint received 2020-06-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-12-28
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. (MD)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2021-06-02
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: LEXISNEXIS (OH)

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX