davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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. (TN)

On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX  ( " XXXX  XXXX '' ). I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. 

I received another letter dated the same date notifying me they coundl not find any record of the inquiry. However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. 

I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. 

EQUIFAX  also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE This is my second complaint. Equifax claims to have sent me a response to this issue, but that us false. What they sent me was a completely different matter that had nothing to di with this XXXX XXXX fraudulent hard inquiry
Consumer complaint received 2020-01-04
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. (CA)

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2020-01-04
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: DISCOVER BANK (AL)

There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from XXXX and one from Discover. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.
Consumer complaint received 2019-12-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX  ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX  in XXXX Texas. 

I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. 

I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. 

To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.
Consumer complaint received 2020-06-11
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. (WI)

XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Experian and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH Also there are 18 inquiries that were not authorized by me and they have refused to remove them. 

There is also a Bankruptcy they have refused to remove that does not belong to me.
Consumer complaint received 2020-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ID)

Navient refuses to contact me via any method other than phone. They are changing my payment amount without notice and apparently arbitrarily. I'm being asked for over {$3000.00} a month in payments. I continue to make payments every month for many years and they still demand more money and report incorrect information to the credit bureau ( because they arbitrarily change payment amounts ). I continue to contact them every month to try and resolve this issue : they absolutely refuse to do anything but tell me to call them on the telephone. I don't want a verbal conversation where there will be dispute about what was said : I want a written record of promises made by the company. Every single time I contact them the response is the same : you have to call us, no exceptions.
Consumer complaint received 2022-12-27
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. (PA)

I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2020-01-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Platinum Holdings Group, LLC (TN)

I, my employer, and a family member has been contacted by who Ive now identified to be Platinum Holdings, LLC multiple times over this past week. They called my place of employment ( even going as far as to ask front desk personnel what time I finished with my last client ) and my personal cell phone at least three times on XX/XX/2020. One of these phone calls were from an unknown number and requested me to call them back at XXXX, other calls originated from phone number XXXX I also received a call on XX/XX/XXXX. Platinum Holdings does not verbalize their true identity, but instead falsely misrepresents themselves as XXXX and XXXX. I dont even know what debt that may be collecting. Even their voicemail does not identify a company name. They have released to people other than myself the following : my date of birth, the last 4 of my social, and my address. In each call, Im threatened with papers being served at my employer. I have never received anything from Platinum Holdings LLC referring to a debt or validation there of. And they have never received permission from myself to contact family members or my employer, which they have repeatedly called. This company misrepresents who they are. Their behavior is extremely harassing in nature, and they are releasing my private information illegally.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

I am a XXXX citizen involved in an international wire transfer fraud, I used my checking account with XXXX XXXX XXXX Bank to transfer {$20000.00} to Wise XXXX  transfer service that was used to wire transfer funds internationally on XX/XX/2024 to XXXX XXXX XXXX XXXX XXXX XXXX ( License no. XXXX, Office : XXXX Al XXXX XXXX XXXX, XXXX ) and sister company XXXX XXXX XXXX XXXX ( Account No. XXXX ) under XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX ) Wise Transaction XXXX. I came across this company through an advert on website/app for local business listings called XXXX. The company was supposed to purchase a truck asset and provide me with a return on investment of {$1900.00} per month for the XXXX  year duration of the contract. The company violated the contract by defaulting the first profit payment on XX/XX/2024 and since getting the funds on XX/XX/2024 stopped responding to my phone calls and emails. They also did not use the funds to purchase a truck as as Vehicle plate XXXX shared with me as proof of purchase is no longer registered under the company per XXXX XXXX XXXX XXXX. The company mailed me XXXX undated security cheques from XXXX XXXX  ( Account XXXX ) for capital investment amount and for profit amount for 1 year. After the fraud was committed, I found out that these are local cheques that are not valid in XXXX be deposited in XXXX XXXX  account and victim does not have an account in XXXX to XXXX them, they are invalid. The company 's commercial license is also under transaction status with Department XXXX XXXX and XXXX XXXX since they committed the fraud. XXXX XXXX XXXX Bank was unable to help me get back the funds even though they left from my checking account. Wise money transfer service actually put this amount into the bank account of the scammer organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX ) but was unable to reverse the transaction or help retrive the funds. I need CFPB support to help get my money back from either XXXX XXXX, Wise, XXXX XXXX  XXXX ( XXXX : XXXX, Address : XXXX XXXX, AL XXXX XXXX XXXX XXXX ) or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( License no. XXXX ), scammer XXXX XXXX XXXX ( XXXX ID : XXXX ) or XXXX Government. I have filed a police report with XXXX Police but have not heard back reference XXXX.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (UNITED STATES MINOR OUTLYING ISLANDS)

All of the accounts on the attached file are from XX/XX/2015 and I have written to all the credit reporting agencies and they ignore me. 
It is not legal to show a charge off/write off and STILL show a balance due. It has to be one or the other. 
This has destroyed my credit and I have reached out to all of them, yet to no avail. I have been turned down for a mortgage because of this. 
I would appreciate any help you may offer!
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card 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: CITIBANK, N.A. (FL)

this was opened XXXX XXXX,2017 this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
Consumer complaint received 2022-12-27
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: Fidelity National Information Services, Inc. (FNIS) (NY)

Chexsystem is showing 4 accounts on my report with XXXX XXXX  : Ending in : XXXX Business account XXXX Personal account XXXX XXXX The last 2 accounts are non existent. I attached a letter from XXXX requesting to remove XXXX and XXXX. 
I have tried reaching out to them via phone. They instructed me to fax in a letter from XXXX stating which accounts are not mine and that they should remove them from their system. 
The fax was sent on : XX/XX/22 at XXXX, XX/XX/22 at XXXX, XX/XX/22 at XXXX to their fax number they provided to us : XXXX ( see attached in this complaint ) We called multiple times to confirm that they received the fax, but they claim they didn't. On our end our fax system showed the fax was sent and received by the other party. 
Their address : Chex Systems , Inc. 
Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2022-12-27
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. (NY)

Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (FL)

Today, XX/XX/2020, I received a call from my bank regarding a mortgage application I filed. I was shocked to learn that accounts for which my son had listed us solely as authorized users were counting against our credit score. We are not now nor ever have we been financially responsible for these cards yet this is counting against us. This is patently unfair and this practice needs to stop at once.
Consumer complaint received 2020-01-04
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. (FL)

Today, XX/XX/2020, I received a call from my bank regarding a mortgage application I filed. I was shocked to learn that accounts for which my son had listed us solely as authorized users were counting against our credit score. We are not now nor ever have we been financially responsible for these cards yet this is counting against us. This is patently unfair and this practice needs to stop at once.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card 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: ENCORE CAPITAL GROUP INC. (FL)

this was opened XXXX XXXX this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-04
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. (NC)

I have been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX DEPT OF ED/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX   ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me.
Consumer complaint received 2022-12-27
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. (OH)

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

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-27
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. (OH)

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

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.