davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (CA)

I have been repeatedly billed with auto debits for {$16.00} by Equifax to my checking account. Each time I call and provide all the answers to their questions I am put on a brief " Hold " for a minimum of 30 minutes, then transferred to a recorded survey asking me about my service without ever being connected to anyone to resolve the reason I called in the 1st place. This has haooened over a dozen timnes over the last 6 months. Today, XXXX I called in as I see that EQIFAX is now double billing my checking account for the {$16.00}! Called to their customer service line, spoke to " XXXX " no last name permitted with an employee ID # XXXX who put me on hold after I provided my personal information and she too put me on hold whereby after 30 minutes the line disconnects! To add insult to injury I was involved with their data breach and my EQUIFAX should have been free. i'd like my checking account to be credited the {$16.00} since the breach. Equifax has controlled the customer service numbers to the point the initial representatives have no authority to resolve any inquiry and put all calls on a " Brief Hold " that are never responded to,,,,
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I called in to speak to a rep and see why 2 collections accounts had not been removed from my credit report, although the company had requested the removal of those accounts TWICE. The rep told me that the accounts had been verified and would stay on my credit report for 7 years. I explained the situation to the rep regarding what I was told about the debts needing to be manually deleted, and the rep refused. I even tried to offer the control numbers given to me by the company and the rep refused them stating the company had to send them something in writing, which they did, TWICE!
Consumer complaint received 2021-07-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (MI)

I have been getting calls from these people over a debt that they refuse to provide any documentation that I owe, over the last 2 weeks. They supposed that I took out a payday loan when I lived at an address that has not been my address in about 12 years. I asked for the name of the lender and was given a list of possibilities. Upon calling all of them they told me that was completely inaccurate and not to pay these people. 
I asked for them to go ahead and send their documents, I have no issues debating this in court as their practices were completely inappropriate. They told me I would be arrested today. This is unacceptable. I have no company name even. The phone numbers I have are ( XXXX  ) XXXX-XXXX  & ( XXXX  ) XXXX-XXXX
Consumer complaint received 2021-07-09
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. (CA)

I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to Experian, XXXX, and XXXX. Experian and XXXX and XXXX are not doing their job and are just verifying these accounts as accurate without really investigating.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

United revenue corporation, has failed to provide all proper documents to validate and verify the alleged debts. Which is a clear violation of my rights according to 15 U.S.C 1692g validation of debts. I am disputing three accounts. Account number XXXX, XXXX. In my dispute I requested the following 1. The name and address of the original creditor 2. The original date of default or nonpayment of the debt with the original creditor 3. The date the debt was transferred from the original creditor to the third-party debt collector 4. The original balance 5. The current balance 6. Any fees added by your agency ( Sec.392.303 ( a ) ( 2 ) 7. Surety bond information as required by TEXAS FINANCE CODE Sec.392.101 8. *A copy of the signed contract binding both parties* 9. Verification of signed invoice 10. Payment History 11. Validation of debt that is actual accounting 12. Pay off Disclosure 13. Interest Rate Disclosure 14. Balance History and all other documentation used to validate and verify this account. 
Also United revenue failed to provide " safe harbor ''. In any of these communication letters does, nor do they explain the process and steps I can take to dispute the debt or any information in regards to my rights as a consumer to dispute the alleged debt with the CFPB or FTC. I feel like my identity has been stolen by united revenue corporation and they are trying to scam me into paying alleged debts that are not mine. There actions have caused me and my family severe mental anguish, defamation of character. It has also severely harmed and ruined my chances of obtaining credit for personal, home, and business.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (NC)

I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX Account # : XXXX -- XXXX XX/XX/21
Consumer complaint received 2021-07-09
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. (NY)

These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

My family tried to purchase a new cell phone plan on XX/XX/XXXX. In XXXX, I had placed a security freeze on my account with Experian due to my personal information being compromised by a data breach when I worked at the XXXX. When I tried to purchase the new cell phone plan, I was informed that Experian would not let it go through due to the security freeze. 

Since I could not reach a human, I went online to temporarily remove the security freeze. Allegedly, Experian removed the freeze and provided me with a print out that it had been removed. When I returned to XXXX to continue the process, I learned that Experian had not removed the freeze and my purchase was voided. Again, at the cell phone store, I tried to call Experian several times without success at XXXX ( the number they publish to remove a security freeze. ) I went home to call Experian ; but could NOT reach a human representative. Its recording took me around and around with absolutely no access to a human being. I tried every number linked to Experian online and none would provide access to a person. In response, I again tried to have the freeze removed online and again Experian on line informed me that it had been removed. I returned to XXXX on XX/XX/XXXX to resume the process. Again, I was informed that Experian blocked the intended purchase due to my account being frozen. XXXX attempted to get through to Experian but could not. 

After multiple times to reach Experian, I tried to have my freeze temporarily removed on line. Experian reportedly did. I have another print out to prove the freeze was supposedly released. I went back to XXXX on XX/XX/XXXX and found the same result : Experian blocked the sale since it still had my account frozen. 

As a result of Experian 's incompetency and the inability to talk in person with a human representative, I lost the proposed plan which included two new cell phones, {$450.00} in credits, a military service discount all totaling over {$1500.00}. 

I tried multiple times to resolve this issue which could have been easily remedied if a person was available to address it. However, Experian has made it impossible to reach a human being. They are not serving the American consumer and should be held accountable for the problems and aggravations they are inflicting on consumers for something as simple as purchasing cell phones.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

Loan Depot - The Loan officer pressured me to provide PII ( Personally Identifiable Information ) and asked me for money through XXXX. She ran my credit XX/XX/2021 ( hard inquiry ) after I gave her the appropriate information about my cash-out refinance. 3 business days later XX/XX/2021 I had to call her and she acted like she didn't know me at first but found my information. She said since " I didn't respond '' the loan was denied and she had to get it re-instanted. Anyways she ghosted me and all I demanded was a Loan Estimate as she should provide. No she has refused providing me the Loan Estimate while demanding PII and money from me. This is PREDATORY LENDING. 

XXXX XXXX Licensed Lending Officer - Loan Depot NMLS # XXXX
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/21 I made a purchase at XXXX on XXXX XXXX XXXX in XXXX. The sales associate asked me if I wanted to get a rewards card that can be used only in the store to accumulate points. I repeatedly told him I did not want a credit card and confirmed by direct question that it was in fact not a credit card. He assured me multiple times that it was not a credit card but rather a rewards card. We had this back and forth numerous times. After I applied for this reward card, I handed him my own credit card to make the purchase. Subsequently, I learned that a Mastercard had fraudulently been opened in my name when I received a bill and that my own credit card that I handed him was never charged.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

I had a savings, checking, and credit builder acct with Chime and had my unemployment being direct deposited. Last week a day before my deposit was set to post Chime froze and then closed my acct without any explanation and refuses to return my money. I had {$240.00} in my savings and then I had my direct deposit of {$200.00} & {$300.00} put into my checking and credit builder Acct
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is in reference of CFPB Case number : XXXX. 
The response from Wellsfargo did not address the complaint. The issue here is that Wellsfargo steals my money of {$1700.00} and using fake excuses to cover up. 
I am the one who opened the checking account. I did come to XXXX branch to see banker named XXXX and showed her my driver license to prove my identity. 
As per XXXX at Wellsfargo Identity Theft Operation ( XXXX ), there is no identity theft claim. I have tried to call and left several messages @ XXXX but no one ever calls me back. Wellsfargo created this whole fiasco to steal my earnest money. 
I still have {$1700.00} in my account. I want the money to be refunded to me. The issue here is Wellsfargo does not want me to have access to my money or return the money to me. 
I do not raise any concern about identity theft with Wellsfargo. I did check my credit report and did not see anything new. Wellsfargo made up the whole story. First, I was told someone tried to use my profile to open the credit card. Later, I was asked to come to the branch to prove my identity. Now, Wellsfargo said the account was opened without proper authorization while I am indeed the one to open the checking account. I demand Wellsfargo to refund my money ASAP. Thanks.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, tried to pay my Capital One, Venture Card. Restricted File # Ref. No. XXXX, called Capital one, told I had a Bankruptcy filed! Told them I never filed Bankruptcy! 
And other Capital One card was fine, that I had paid it that day! Said they would have to wait 3 days for them to correct their mistake. 
Called XX/XX/2017 Card still restricted. Could n't give me number to call for SECURITY REASONS. Keep calling back, maybe I can get a Supervisor then!! 
Called Fraud protection number XXXX spoke to XXXX, Have to wait until cleared by Bankruptcy Dept!! Should be cleared by XX/XX/2017. 
Called XX/XX/2017 transferred to 3 different people, told this bankruptcy had been filed XX/XX/2017 XXXX XXXX Court of Indiana!! Ca n't do anything now. 
Called Corporate # XXXX spoke to Agent XXXX XXXX, told other calls made to CapitalOne were not never put thru correctly! She would put thru and have it cleared. 
Called XX/XX/2017 XXXX told them I was going to report to CFPB putting thru to Supervisor, disconnected, called back, disconnected, called back again getting Supervisor, then " sorry having company issues with system ca n't get supervisor '' call back later! 
Called XXXX XXXX Court Indiana, ca n't help since I am in Florida, would n't be filed there!
Consumer complaint received 2023-03-31
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. (NC)

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 XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX balance XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/2024 I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. On XX/XX/2024 that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/2024 I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. On XX/XX/2024 I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. On XX/XX/2024 the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. 
Again paying through ACH. On XX/XX/2024 I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. On XX/XX/2024 I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. On XX/XX/2024 the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. When I called and asked about the events that were happening TYPE OF ISSUE Payment process XXXX because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for me.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!
Consumer complaint received 2024-11-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Judgment Acquisitions Unlimited Inc (MA)

Judgment Acquisitions Unlimited Has sent me a letter stating that they are collecting a payment of {$4000.00} dollars. They have reported it to my credit report and I have asked several times to remove it. Because I have asked for an authorization of a signature or I want proof that they have the chain of title to collect on this debt Citing 15usc 1692 g. They have nothing in file and I have disputed this more than 10 times from my credit still hasnt been removed.
Consumer complaint received 2018-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint regarding a fraudulent account that appears on my credit report. After reviewing my report, I identified an account that I did not authorize, which is negatively impacting my creditworthiness. 

Despite my efforts to resolve this issue directly with the reporting credit bureau and the creditor, his fraudulent account remains on my report. It continues to hinder my ability to obtain credit. 

I kindly request your assistance in investigating this matter and promptly removing this fraudulent account from my credit report. 

Thank you for your attention to this issue, and I appreciate your help in protecting my consumer rights.