davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. XXXXXXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My previous address needs to be removed from my credit report.
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was scammed by an online scammer for {$600.00}. He tried to convince me to pay him {$600.00} through BOA XXXX service. A few minutes after I submitted the transaction using BOA mobile app, I realized that I was scammed as I searched the scammers information on XXXX. I started to contact BOA immediately to seek help and got nothing but frustration in return. 
First of all, it is around XXXX XXXX time, I could not find any telephone custom support from BOA since they end at XXXX eastern time. I searched for hours until I have to call BOA credit card department. After waiting for more than 30 mins, eventually the custom representative told me I can still call the next day to cancel the transfer or file a dispute to get my money back. But I have to contact XXXX first. 
With high hopes, I slept for a few hours and woke up XXXX on XX/XX/XXXX because the XXXX online custom service opens at XXXX XXXX XXXX. I was told by XXXX that I have to contact BOA as they are the bank initiated the transfer. I had to call BOA and waited for another half hour. I was then transferred to fraudulent department who then transferred me to move-money department. After more than 1 hour since I started calling BOA, XXXX department representative told me that I will not be able to get my money back unless the scammer gives back the money willingly. After about half hour frustrating talk, I asked to talk to higher-tier representative. He just hung up on me. I had to call BOA again and waited another half an hour to be transferred to high-tier manager, who in the end confirmed explicitly with me that they can not do anything unless the scammer agrees to return the money willingly. BOA will simply transfer the responsibility to XXXX XXXX for them to contact the scammer. 
Based on the internet search, the same scammer uses BOA XXXX XXXX holes, and the unwillingness of BOA to protect its own customers, for more than 2 years without any action from BOA. 
I fully admit that it is my fault and misjudgment to submit the transfer and trust the scammer. However, the handling of the case from BOA is completely unacceptable to me. As a custom of BOA for more than 10 years and stock shareholder, the ignorance from BOA by providing such a vulnerable service, so susceptible to fraudulent transaction, without any protection to its own customers for years, makes me feel frustrated and infuriated. 
My case number is XXXX
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

XXXX22 XXXX, XXXX, equifax refuses to provide XXXX with a copy of his XXXX credit reports and refuses to provide XXXX XXXX with a copy of his credit reports, they also refused to correct the information on his credit reports causing credit fraud on XXXX credit files, they falsely accused XXXX of impersation and refused to temporay lift and remove the credit freezes on all XXXX credit reports so t.moblie could do a credit check for XXXX to obtain t.moblie services and a phone, instead credit, loans etc given to hackers instead, furthermore all XXXX emails, phones, numbers hacked and spoofed
Consumer complaint received 2022-01-27
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX. XXXX XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA has sent a debt You will need to contact the third-party agency, XXXX, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what USAA has done I don't know who this company is that I have to reason with to resolve any dispute.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANK CONTINUES TO REAK HAVOC ON ALL OF MY CREDIT CARDS THAT HAVE BEEN ISSUED AND OR BOUGHT BY THEM. THE LATEST CARD IS MY XXXX XXXX STATING IT REVEALED POTENTIAL CONCERNS AND OR IRREGULAR CREDIT CARD TRANSACTIONS. REAL COMENITY THE ACCOUNT HAS BEEN PAID IN FULL FOR MONTHS/YEARS WITH A A+++++ PAYMENT HISTORY. I DO NOT UNDERSTAND WHY YOU ARE DOING THIS TO ME AND ALL OF MY ACCOUNTS IT DOES NOT TAKE A GENEROUS TO SEE THERE ARE NO IRREGULAR CHARGES ON THESE ACCOUNTS AND MY ACCOUNTS DO NOT POSE ANY CONCERNS. WHY IS IT YOU SINGLE OUT ANOTHER ACCOUNT OF MINE AFTER YOU HAVE RECEIVED MY COMPLAINT THROUGH CFPB???? I AM TAKING YOUR ACTIONS AS RETALIATING FOR YOU ALSO DID IT TO ANOTHER ACCOUNT OF MINE PRIOR TO XXXX XXXX.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I missed payments because I lost my job and was going through financial hardship. I was late on a few other payments and the companies worked with me, but it seriously has affected my life because this is one of 2 cards that has not worked with me during this time. My payment history is perfect outside of this and it is really damaging my ability to move forward with my life. I have contacted them several times before and after these dates with no resolution.
Consumer complaint received 2022-05-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CURO Intermediate Holdings (IL)

I received a threatening email stating speedy cash ( XXXX XXXX ) sent me a warning XX/XX/2020 for a loan I never took out when I contacted them that more threats came especially when I asked for proof for signed documents Ive called speed cash twice IM MOT IN THE SYTEM I have no ideal who XXXX XXXX is or the attorney she sent the information to & that is : XXXX Claiming legal will be taken & my employer will be contacted Amour {$970.00} if I dont pay that itll be {$8600.00}
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. 

I want the following deleted. 
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted via phone in regards to a loan I owed for a pay day company ace cash express. However Im not able to pay the entire amount in full but I want make arrangements. The company has been calling me and harassing me that they are going to take me to court because I havent paid. But I have not received anything in writing in regards to the loan. Or have been notified via email just by phone but now threatening me that they are going to call my supervisor and let them know the loan and everything. I never said I dint want to pay them back I just need time to pay them since Im no longer working. But they already called a friend letting them know about my situation and thats very personal
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
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. (NY)

In XXXX, the social security administration changed my social security number from XXXX to XXXX after someone fraudulently applied for Coronavirus related unemployment in several states where I've never worked or lived. I notified XXXX, TransUnion and XXXX of this and asked to have my social security number changed on my credit report. 

I was also the victim of a violent felony assault which was another major factor in SSA 's decision to change my SSN. 

XXXX responded stating that they updated my report to reflect my new social security number not there are multiple credit files listed under my new and social security number. XXXX has at least 2 credit files listed under my name and new social security number. 

XXXX responded inappropriately and did not update my credit report with my new social security number. XXXX has at least 2 credit files under my name with my old SSN on one and my new SSN on the other. 

TransUnion responded stating that they updated my report to reflect my new social security number but there is two separate credit files. Like XXXX, one under my old SSN and one under my new SSN. 

I have excellent credit and have now been denied credit yesterday because of this serious issue. 

Social Security stated to me that they do not issue any notice to someone who was issued as a new SSN as a security precaution.
Consumer complaint received 2023-04-19
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I noticed a fraudelent {$9.00} charge on my checking last month. I reported it and Truist bank closed my debit card and said they would send me another card. They have never sent it and I went into one of the local locations two weeks ago and asked for a temporary and the banking person was so rude and claimed they don't do this any longer. I need my debit card. i have been with BBT for many years but Truist is just not ethical at all
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX  who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Recovery Systems (AL)

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX  and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (GA)

This number or different numbers from the same company pro collect keep calling me and asking for a XXXX XXXX which is not me. They keep leaving very aggressively toned almost to the point of yelling voice messages which are quite demanding for immediate call backs. This is not the number for XXXX XXXX. Ive told this company multiple times and its not the right number. Ive personally on the cell phone number for close to 20 years so Im not sure why they would think this is some random persons number. I am a XXXX  and its gotten to the point where I can not answer unknown phone calls despite being on call and it possibly being another XXXX  or another XXXX  about a XXXX  because it is quite nerve-racking to answer one of these calls. Its always inflammatory despite me not being XXXX XXXX.
Consumer complaint received 2019-06-29
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)

I CHECK MY CREDIT. I NOTICE THESE ACCOUNTS ON MY REPORT WHICH ARE FRAUDULENT. I AM A DISABLE YOUNG MAN I DON'T EVEN KNOW ABOUT CREDIT MY FATHER IS TRYING TO TEACH ME WHATS CREDIT ALL ABOUT, BUT AS MY JOURNEY TO GROWING TO BECOME A MAN. I REALIZE THAT I'M A VICTIM OF IDENTITY THEFT
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I settled the XXXX XXXX account in full through XXXX XXXX XXXX. Transunion is still reporting the account on my credit file as delinquent, negative debt. This account should reflect as settled in full or removed from my report as the collection agency agreed by written letter that this account is serrled and I am released from the obligation.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF THE WEST (NV)

I applied for an " Any Deposit Checking '' account from Bank of the West via an internet online application on XXXX. 


Upon completing the application online, I got an online message saying they are verifying all of my information. 
I received an email telling me that I am " customer_XXXX ''. 

On XXXX I received an email telling me I was declined, but not given the name of the Credit/Information/Verification agency consulted for my application denial. 

I called and emailed many times trying to get this information but they have not been forthcoming, despite the CFPB regulations demanding this. 


The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted. 


This is clearly a breach of the CFPB rules. I demand that Bank of the West provide me with the information as required by CFPB regulations. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-19
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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. (IL)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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. 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. XXXX is re-aging the debt which is against the FCRA. When an account has inaccurate information it must be deleted and my rights have been continually violated and these companies must be ordered to pay. XXXX issued a 1099-C which means the debt has been paid and no debt is owed and the account must be deleted for inaccurate information. XXXX also states I have filed bankruptcy and that isn't true which means the account doesn't belong to me. If these accounts are not deleted then I must be awarded {$1000.00} per violatio.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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. 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. XXXX is re-aging the debt which is against the FCRA. When an account has inaccurate information it must be deleted and my rights have been continually violated and these companies must be ordered to pay. XXXX issued a 1099-C which means the debt has been paid and no debt is owed and the account must be deleted for inaccurate information. XXXX also states I have filed bankruptcy and that isn't true which means the account doesn't belong to me. If these accounts are not deleted then I must be awarded {$1000.00} per violatio.