davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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)

My social security number has been compromised and there has been several accounts opened under my name and social since XX/XX/2022. Theres a XXXX XXXX, XXXX XXXX and XXXX XXXX  credit card under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the hospital since XX/XX/2022.
Consumer complaint received 2023-01-05
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2023-01-05
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. (SC)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-03-03
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. (IN)

On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both Experian and XXXX credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( Experian and XXXX ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court to me.
Consumer complaint received 2022-09-30
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 account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is 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.
Consumer complaint received 2022-09-30
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)

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 need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXXXXXX XXXX CARD XX/XX/2020
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Debt was settled in small claims court case # XXXX in the county of XXXX XXXX on XX/XX/2019. Debt collector, Genesis aka Columbia Debt Recovery, has been continually harassing me via email regarding my debt, even though the small claims judgment has been ruled in my favor. I have sent them multiple copies of the small claims judgment that was mailed to me yet they continue to contact me in attempt to collect a debt I do not owe. In fact, the defendant in the small claims case, which is also the company that the debt collector is representing, owes me {$570.00}.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

Spring Oaks Capital has been attempting to collect a debt that is not owed. I have never given any authorization and or consent to the alleged amount owed or the reporting of this amount. Furthermore, THIS COMPANY IS NOT AUTHORIZED to conduct business in any state that I, the consumer, has resided, or currently resides. ( XXXX XXXX XXXX XXXX ). I am perplexed on how this company continues to harm my personal credit with derogatory data entries for a debt never owed to them, and a debt that even the original creditor reports as {$0.00}. This has been an ongoing matter and Spring Oaks continues to display its disregard for federal laws placed to protect the consumer as well as the functionality of commerce as a whole. This company has caused great harm and distress and does not even have the lawful authority to do so.
Consumer complaint received 2020-03-03
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. (CA)

There is a XXXX XXXX XXXX account on my credit report that does not belong to me. The only reason why I found out is that I was trying to co-sign for my daughter to buy a car at XXXX and I was unable to do so because of this account. I never opened it and I did not give anyone else permission to open this account on my behalf. I have no idea who opened this account using my personal information without my permission. I never made any payment towards this account nor did I get anything from it such as money, services or any other benefit. I filed a complaint with the CFPB, notified the company and filed a police report regarding this unauthorized account.
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, XXXX and Tranunion. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

XXXX XXXX  was acquired by Simmons Bank mid-XXXX. Since that time we have had to manually generate payroll checks because no one from Simmons Bank will return or respond to our calls and emails asking the process to set up the direct deposit process through our XXXX account. I have made 5 phone calls with each committing to a call back within 24 hours. I have now sent an email through their 'start a conversation ' link which has had no response. We are nearly 30 days into their transition and I still can not get an answer about this issue. I have employees who want their direct deposit back.
Consumer complaint received 2020-03-03
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. (CO)

XXXX XXXX XXXX  is reporting incorrectly a balance of {$130000.00} to XXXX  and Transunion on the XXXXXXXX XXXX XXXX  partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX  has removed this line item and I respectfully request that XXXX  and Transunion remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.
Consumer complaint received 2022-03-25
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. (PA)

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2020-03-03
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: JPMORGAN CHASE & CO. (TX)

Merchant failed to refund a deposit for services not rendered, despite several direct attempts made by the consumer, the absence of a signed agreement and failure to provide terms and conditions surrounding their deposit acceptance process. Consumer initiated to dispute charge ( s ) with Chase Bank. During the process Merchant filed fictitious documentation with Chase Bank in order to win dispute. The dispute process with Chase took over 60 days to complete and concluded with awarding money towards the merchant. During the process, the merchant threatened and harassed me about disputing the charge. I could not provide any documentation towards the dispute as nothing was ever provided to me from the merchant. I have tracked down the original person I dealt with at the company, he is no longer employed by the merchant being discussed here and he is writing me an affidavit to discuss their processes and what happened with my situation in particular.
Consumer complaint received 2023-01-05
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: Continental Finance Company, LLC (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


REMOVE THIS FROM CREDIT Thank you, XXXX XXXX
Consumer complaint received 2020-03-03
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. (IA)

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX.

I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

This is unbelievable. Someone has been sneaking behind my back submitting applications for credit without my consent. This makes me very furious to know that someone has my personal information and Im putting a stop to it TODAY. The inquires listed BELOW ARE NOT MINE THEY ARE FRAUDULENT.. 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 2023-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I filed a complaint with the CFPB on XX/XX/2023 ( Complaint # XXXX ), the Company response XXXX was that they released the funds for me to withdrawal. In fact they have not, I have tried for the last 4 days to withdraw and they continue to hold the funds.
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (FL)

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. Experian, XXXX  and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NV)

I used my Synchrony Credit Card to buy tires at Pep Boys, but instead of receiving new tires, Pep Boys installed used tires of XXXX different brands. This resulted in multiple visits to have the tires replaced, but they only added air instead of putting new tires. I disputed the charges for the tires multiple times, but unfortunately, I wasn't refunded the money I initially paid to Synchrony credit card after the dispute was completed. As a consequence, Synchrony Bank decided to close my credit card account.
Consumer complaint received 2020-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I have been trying to resolve my private student loan debt with Sallie Mae, now Navient, for 10 years. They refuse to work with me to lower my payments. It is a CONSTANT, nonstop harassment on their part to try to get me to pay $ XXXXmonth which I CAN NOT afford. I just had a XXXX  and had to take 4 months of unpaid FMLA time off of work. They straight up REFUSED to work with me in any way when I called to ask about temporarily suspending payments while I was recovering from having my XXXX. I called several times leading up to my XXXX to ask about my options because I do want to pay back my loans and they offered me no empathy or options. I became very frustrated with the entire situation and told them to just cancel my payment plan of $ XXXX month. That is the absolute lowest they would go, by the way. I work part time and make very little money and they really don't care. They are a predatory company who does not care about helping anyone out, all they care about is money and harassing good people who have fallen on hard times. They usually call my cell phone between 10-15 times A DAY. Not only was that bad enough, TODAY they SOMEHOW got my brother in laws phone number and called his cell phone. They asked for my mother in law by name and said they were trying to get in contact with me. My mother in law was very worried about how they got her information as was my brother in law. This is completely out of line. They are NOT cosigners on any of my loans, they have ZERO involvement with any of my student loans, private or federal. This is outrageous and predatory and I will not accept it. Something needs to be done about this and I need some help. I am at my wits end. I have often considered filing bankruptcy, hiring a lawyer and suing the company and this had led me to a severe XXXX and even at times XXXX  thoughts. My credit is ruined, my co-signers credit is ruined, and they remind of that fact every day. I have thought it would be better for me just do XXXX  so I don't have to deal with this stress in my life anymore. And I have TRIED FOR 10 YEARS TO RESOLVE THIS ISSUE. They ALWAYS refuse to work with me about lowering my payments. I have been screaming out for help for 10 years and no one has helped me. I am tired of suffering like this. I need some help. This complaint needs to lead to changes at Navient and how they handle their customer service. It HAS TO CHANGE.
Consumer complaint received 2020-03-03
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. (NY)

I have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my account.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (MA)

Hi, I think Simple Bank is discriminating based on the customers country of origin. I applied for a checking account on Simple Online Banking website. ( https : //www.simple.com ) I got denied and was provided no reason for the denial. I have a perfect credit score ( 800+ ), a relatively high income, a valid name, address and social security number. I don't see any reason why would a financial institution deny a checking account application for someone like other than the fact that I'm not US citizen.

In the application, they asked if I'm a US citizen, I said no. Then they asked which country I a citizen of, then they asked if I'm a resident alien ( Permanent Resident ) and I said yes. I know for fact that discrimination based on country of origin is illegal and should not be tolerated My partner with similar credit score and salary as me, who is a US citizen applied a few days before me and she got approved immediately. 

I would appreciate it if you could follow up on this so this doesn't happen again to another customer. 

Company 's Name : Simple Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX https : //www.simple.com/
Consumer complaint received 2020-03-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My tax bill for my home was due XX/XX/XXXX Lakeview has not paid the bill and has an excuse every time I call. They tell me it will get paid, I have been calling since XXXX when I noticed it wasnt paid. I went and obtained another copy of the bill for them. My escrow has thousands of extra dollars in it because they have not paid the bill. I have called weekly about this issue an no resolution.