davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-22
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. (GA)

There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. Trans union found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and XXXX  fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act XXXX FCRA XXXX.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (TX)

I received the following alert in my credit file and I did not give them permission to look at my credit in any shape form or fashion and I have never heard of them. 


CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Line of credit on behalf of XXXX  XXXX  ( XXXX ). This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (SC)

In accordance with the FCRA, Experian has violated my federally protected consumer rights. 

15 US Code 1681 States that I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...
Consumer complaint received 2019-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (MI)

We pay monthly on debts accumulated from a family member that has since passed. Regardless we pay on the outstanding debt ( s ). We have told each creditor that we will pay monthly. The calls keep coming. We have caller ID.
Consumer complaint received 2019-12-22
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)

XXXX Opened XX/XX/2018 {$350.00} Original creditor : XXXX Opened : XX/XX/2018 XXXX 1 yr, XXXX mos ) Account status : Open Responsibility Individual Original Creditor Name XXXX
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Ive had fraud reported from other credit reporting companies based on information that was breach by Equifax. Ive called Equifax mutliple times from XX/XX/19-XX/XX/19 but every time I call I am told the systems are down call back in one hour. The customer service representatives cant even tell me the last time their systems worked. I was also not allowed to speak to a supervisor. How can I fix this issue with fraud when the credit report company is the problem???
Consumer complaint received 2024-03-20
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. (GA)

Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 15 USC XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-20
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)

Despite numerous written requests, the unauthenticated accounts listed below persist on my credit report, contravening federal law. The three Credit Bureaus have neglected to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the stipulated timeframe, persisting in reporting unverified information. Considering all my efforts to resolve this matter directly with the creditor, this now amounts to deliberate negligence and non-compliance with federal regulations. I urge you to completely remove the following accounts from my credit reports. 
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 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (OK)

We have a business checking account at Bank of Oklahoma under the name XXXXXXXX XXXX XXXX  XXXX. We have been a customer since XX/XX/XXXX and have had a average balance of over {$800000.00} this year. XX/XX/XXXX I was doing bank reconciliations for quarterly financials and I noticed that the bank processed 6 checks written on XX/XX/XXXX that were fake. Completely different check stock, different company name, different signature, only the bank account numbers were the same. The original checks written to those check numbers were cashed by the correct people. Not sure how they got our account number. I went to Bank of Oklahoma but they were closed and told me to come back on Monday. We talked to multiple people at the bank and they said there was nothing they can do. The 6 checks totaled {$19000.00}. I have filed a police report, but they said it was mobile deposits and out of XXXX XXXX 's jurisdiction and there was nothing they can do. We had our attorneys contact the legal department at Bank of Oklahoma and BOK again said they would not reimburse any of the fraudulently cashed checks. I have copies of the fraudulent checks, police report and communications from our attorneys and BOK 's legal department. Please help, the lack of help from BOK has been shocking.
Consumer complaint received 2019-12-22
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: CITIBANK, N.A. (IL)

XX/XX/XXXX service plans at best buy cancelled finally XX/XX/XXXX and XX/XX/XXXX refunded to Citibank but Citibank says they don't really have credits and the refund can take 30 days from the time they are refunded from best buy to my credit card to get credited toward balance and I will need to pay them in order to avoid interest. This is unacceptable to expect me to pay on something that has been refunded already and it not there will be late fees and interest.
Consumer complaint received 2019-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I keep receiving calls from Midland Credit Management about a debt they say I owe. I spoke to them numerous times and explained that the person they are looking for is my uncle who has the same name. They get nasty and then ask me for my social security number and other personal information. When I explain its not me they say they will remove my number but the calls start again in a few weeks. I don't know how to get them to stop harassing me.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

XXXXr my mortgage company has been paying my taxes to the wrong parcel. Today I was notified by the XXXX county taxes that I am behind XXXX. XXXX county states in the letter that if this isnt paid they will be selling my home. When I called Mr Cooper they told me the XXXX tax department does not have any phones? And that so would need to send a email. So I emailed my closing papers, the XXXX county tax with the right parcel number. Please help me
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

Predatory loan, illegal repossession from another state, apr rate predatory. My teenage daughter and I drove up to visit XXXX for family emergency. My car was parked outside of house and I went to sleep woke up to no car. I immediate called police to file stolen vehicle report.before I made report the police check database for repossessions and my vehicle wasnt in data base. I filed report with police. I find out a tow truck illegally stole my car and police made tow truck drop car and the Wells Fargo recovered it. 2 separate police reports with some malfeasance taking place.contacted Wells Fargo and I was told to refinance at branch. I go to branch and they said they stopped refinancing since 2019. I already had claim open with the president of Wells Fargo and I was told if I didnt want to pay storage fees to refinance.Meanwhile I explained that me and my daughter were left stranded in XXXX XXXX I lost my job and my daughter missed a lot of school days. I was never able to refinance from taking hits on credit report from applying at multiple companies. This has truly been a nightmare.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (AL)

XXXX sold me a bad vehicle. 

Bridgecrest doesnt want to pay for damage but I am still order to pay XXXX dollars It was also written in the warranty that they would pay for the damages engine trans oil problems etc
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please correct my personal information, including the generational designation XXXX. I don't know why XXXX never added XXXX or why Equifax and XXXX removed it. This is how files get mixed up or merged!
Consumer complaint received 2024-03-20
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunbit, Inc. (TX)

Installment loan agreement with XXXX XXXX  XXXX XXXX XXXX UT XXXX Account # XXXX ; XXXX as listed on the agreement I sent in the total amount due to be processed XX/XX/XXXX they received XX/XX/XXXX saving on the intrest charges they told it would consider late because I didn't pay online
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX My credit cards I use to have because of all of this my credit is bad I can't get anything. XXXX XXXX is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also Discover account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe XXXX XXXX XXXX. XXXX XXXX XXXX and something when I only had a credit limit of XXXX How do I owe XXXX? And Discover canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VT)

My experience started when I flew to Florida to close a checking account in my mother 's name which I was the sole beneficiary on, following her death. There are no Chase Bank 's in the state where I live. They were not able to close the account, collected copies of paperwork and after many phone calls to followup and being passed off to many people I received a check for the balance ( over {$80000.00} ) in the account after a few months! Now I'm dealing with another issue related to the same account. The account is closed. The bank had issued a preauthorized automatic payment before closing the account. I also paid the same bill from the estate account. Thus the payee returned the funds electronically to Chase Bank to credit the account after it was closed. On XX/XX/2020, Chase bank mailed a check to the estate for the funds ( {$1600.00} ). I was unaware of what had happened, Chase offered no explanation with the check. I called them about it on XX/XX/XXXX and discovered the issue. Because I was the sole beneficiary on the account and the estate had already paid the bill I was entitled to the funds personally. I spoke to a representative who advised me to mail the check with an explanation to a specific person at Chase Deceased Processing office. I mailed the letter and the check to them on XX/XX/20. I called to followup XX/XX/20 and they claimed they never received the check and insisted I needed to fax them a copy of the letter and check. I do not have access to a fax, they would not accept an emailed copy only a fax or another mailed copy. I was able to find an app to fax this to them after hours of time. I called to follow up again and they matched my fax with the file. On XX/XX/20 I called again to follow as they had advised they would escalate the issue and be in touch and I had heard nothing. I was never able to speak to anyone specific only call and talk to whomever answered the phone and then go through the whole scenario again with each call. on XX/XX/XXXX they advised they had located the check and would reissue it. On XX/XX/XXXX they confirmed they had sent it to the appropriate department who issued the check and it was to be reviewed and processed. I was told it should not be a problem and I should have a check soon. I asked what to do if I did not receive it and they told me again to call the same number and start over. I was out of town, upon my return today, I called XX/XX/20 ; they have no updates and claim they will check into it and follow-up. I'm very frustrated and feel they are not being fair to consumers.
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

In XX/XX/2018 I took out a loan of XXXX. XXXX takes out XXXX dollars every 2 weeks. Upon trying to pay off the loan in XXXX, the payoff is only XXXX. In California the legal interest rate for a XXXX dollar payday loan is XXXX dollars. I have paid beyond that in interest. This is very illegal. My payoff should be less or completely paid off already. 

I called in XXXX. No one called back. I sent out a email in XXXX and no response. I have sent out another in XXXX.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo stopped me from accessing my account with a debit card told me I could have a debit card for a year because of fraudulent activity. I also was charged monthly fees on the account after they took my debit card and told me I wasn't allowed to have a debit card to my account. I also was negative funds in my account mysteriously and was charged overdraft fee.
Consumer complaint received 2023-05-13
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. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the late payments How is this possible when the data furnished should be the same and each bureau reports something different? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this. Stop reporting this incorrect information on my credit report. You can reference complaint XXXX for my initial dispute. Please remove the late payments and update this account.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it
Consumer complaint received 2023-01-23
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)

Despite the earlier written requests, the unverified accounts listed below still continue to report on my credit report, These accounts must be validated in order to improve or stabilize my XXXX XXXX Here are the accounts that need fixing : XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance XXXX {$3000.00}
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA charged my Capital One credit card the amounts below. XXXX did not see the credit card ; Capital One said, " The card was not present ''. So XXXX  processed the transactions below twice WITHOUT CONFIRMING A PIN NUMBER. 

XX/XX/2019 {$60.00} XX/XX/2019 {$53.00} I have also reported this to CAPITAL ONE. They have resolved the XX/XX/2019 charge, but the XX/XX/2019 charge of {$53.00} is still on my account. 

Obviously, XXXX  is accepting orders over the phone with just the credit card number and not asking for the PIN number. This is encouraging FRAUD. 

I live in Pennsylvania, so I hardly ordered pizza from California! I would think this procedure at XXXX  is illegal.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (FL)

i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts XXXX, XXXX XXXX EXPERIAN