davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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. (MA)

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXX. Experian XXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.
Consumer complaint received 2018-07-18
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: CITIBANK, N.A. (FL)

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under fake accounts which she is currently in jail for and facial years in jail for fraud I even have my police report I contacted all the debt collection to let them know that it wasnt me I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos on my account one of them is XXXX it shows that I had a XXXX account since XX/XX/2015 but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company XXXX/XXXX I have no idea who they are but they keep on reported me messing up my credit please help me get my identity back.
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I refinanced my Wells Fargo home loan, the refi loan closed and was paid in full on XX/XX/18. On XX/XX/2018 they charged XXXX to PMI. There is no balance to cause a PMI charge, this doesnt make sense.
Consumer complaint received 2021-08-23
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. (MA)

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (TX)

I have not received points from Sony rewards using a XXXX credit card since XX/XX/2022. 

Contacted Sony Rewards on XX/XX/2022 which was responded the issue needs to be addressed with Commenity Bank. 

Cotacted Commenity XX/XX/XXXX and XXXX, 2022 which was told my account will be updated as soon as possible. However, points have not shown for months and 2 weeks since contact and still no updates. 

The card is still being advertised that reward points will be given out for purchases, but no rewards are being issued.
Consumer complaint received 2018-07-18
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. (CA)

XXXX XXXX XXXX Account is up-to date. Payment was never late. The original lease ended on XX/XX/2018 and we have extended the lease. They did not deduct the money from the bank after the Original lease ended. We have to called them on XX/XX/XXXX and asked them to deduct the payment. We asked them to send us a letter saying all accounts is up to date with payment ( attached below ). We were informed that credit reporting is being made every XXXX of every month so they couldn't do anything about it. We then, instead, submitted a dispute to all credit bureaus but it didn't changed anything. We called back chase auto on XX/XX/XXXX and they said they said they will verify all information regarding payment with the credit bureaus. We have submitted another dispute the same day but nothing has changed after 30 days the dispute was marked as completed by credit bureaus. This should not affect my credit and you can talk to XXXX XXXX they understand it was not my fault but their fault. They have told me that credit companies can call them and they will verify that they did not send the money to be deducted from the bank and again this should be immediately removed from my records. As of the time of this writing, my credit hasn't changed. We have ended the lease this month and I have never ever been late for any payments. Please help me with getting back my credit score back to normal.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells fargo wrongfully took my money accused me of actions I didn't do my account was compromised an someone made fraudulent deposits without my knowledge or consent my property was stolen at this same time as these transactions were made I want back what is mine I became homeless because of this matter I need my money back
Consumer complaint received 2024-04-02
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: TD BANK US HOLDING COMPANY (MI)

I received an alert that TD Bank received a copy of my credit report through my credit alerts from expperian. I did not apply nor did I authorize them to pull my credit file. I instantly called TD Bank and was told that they have no record of pulling my report. that int the case because I have multiple alerts saying otherwise.
Consumer complaint received 2022-12-18
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. (PA)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (MD)

AARGON AGENCY INC for the amount of {$1100.00} that was occured through XXXX XXXX XXXX XXXXXXXX that was already paid in XXXX by heath insurance provider XXXX XXXX XXXX. I have tried to dispute matter through the credit bureau several times throughout XXXX and XXXX but they continue to tell me that the information matches and it is denied. I am not going to pay a debt I don't owe and was already paid I am not sure where error in their data payment system occured but they need to fixed and address this matter ASAP. But is unjustifiably unfair and It is ruining my good credit and reputation.
Consumer complaint received 2022-06-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2022-04-15
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. (CA)

You will find on page 1, the email transmittal received from Experian, and the subject title of the email was XXXX, want to add to your {$4900.00} in available credit? And in bold print the transmittal stated Lets that get you more credited to your name Further, Experian stated opening a new credit card with a higher limit cant be an opportunity to pump up your credit score over time to check out your top card matches today. 
I reasonably relied upon these fraudulent inducements to apply and applied for XXXX XXXX XXXXXXXX XXXX  XXXX ( Page2 ) Matched for you and was denied ( Page 3 ) denial letter.

If not for the fraudulent inducement of the email transmittals false and misleading statements that led me to apply has caused me injury in the form of an inquiry on my credit report that would not be there if I was induced to apply with a certain level of confidence in the communications of Experian. 
It is in the publics best interest that such fraudulent inducements in advertising and solicitation from a major credit Bureau with intimate knowledge of your credit status and using that status to induce the consumer to apply for credit that will harm their credit rating through the inquiry generated. 
I would not have applied in the absence of such fraudulent inducements and false and misleading information from major credit Bureau that should have known that their representations will be given greater weight than those directly from a creditor. Experians endorsement, here, is the fraudulent inducement which is not in the interest of the general public. 
And I would not have applied without such inducements that any reasonable person would infer that since Experian made the offer, being an authority in credit status, with intimate knowledge of my credit history, that when I applied, I assumed more likely than not I would be approved. Or else why did they solicit me in this matter anyways. I was not seeking any more credit. 
Based upon the foregoing, inter alia, if Experian does not remove the credit inquiry made by the credit card company Experian endorsed, then I will be compelled to file a class action lawsuit against Experian in the United States XXXX XXXX XXXX XXXX XXXX California. 
It is the Federal Trade Commissions duty to protect the public from fraudulent inducements and such fraud in the factum which occurs by deception causing consumers to misunderstand the nature of the transaction ( applying for credit ) and has a consumer I provided my electronic signature without the knowledge of its true nature. 
In the interest of consumers who may also be sent such fraudulent inducements in email transmittals from Experian which consumers foreseeably rely upon to their detriment.
Consumer complaint received 2022-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name COMENITY BANK I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.
Consumer complaint received 2019-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NM)

I have disputed a couple of items on my credit report which have been removed from both XXXX and XXXX but they say they have completed the investigation on my Equifax report cant view it and it doesnt look like anything has changed. Every time I try to view it say it is currently unavailable or that it cant be viewed.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Consumer complaint received 2022-06-04
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. (NC)

I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Consumer complaint received 2019-11-26
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)

On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening. 
I need to move from home and I need my credit to be available as soon as possible, thank you. 

P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC.
Consumer complaint received 2022-12-18
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. (PA)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-06-04
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. (OK)

Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.
Consumer complaint received 2019-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX ( XXXX ) capital one XXXX, XXXX  and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

Tried to contact one two different occasions both times spoke with very rude people over the phone. The first time attempted to set up a payment plan and was told that my only option was to pay in the debt in full all once and was given no other options. The second time tried to set up a payment plan, agreed on one but when I asked for a letter stating I was going to set a plan in place and asked about a written validation notice, was told they could not provide me with nothing but that I was expected to give over my banking information over the phone right then and then the only thing I would get was a bill in the mail 7-10 days before an automatic payment would be set up. Refused to send me anything about the debt or that I was attempting to settle it. When I stated I did n't feel comfortable with giving my information over the phone until I was given something about he debt in the mail I was rudely told they do n't do anything and I can just do this some other time, then he rudely said bye and hung up.
Consumer complaint received 2023-10-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (MD)

This debt was purchased from XXXX finance however, XXXX stated the amount owed was written off for {$9500.00}. Ncb is showing an amount owed of around XXXX XXXX  Please show documents showing validation of debt as well as the amount you purchased this debt for.