davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express received, processed and got credited my account for my negotiable instrument. On page 3 of their card member agreement form they said they accept negotiable instrument as payment. They put me on Financial review and i sent in the forms with affidavits and copy of their agreement form with them saying the accept negotiable instruments. They acted in Dishonor and have not sent back my negotiable instruments and closed my account with out my consent interfering with commerce.
Consumer complaint received 2023-06-28
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. (TX)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-06-28
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)

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX My social security number is XXXX I had fraudulent activities on my credit report due to an old roommate I disputed the claim they approved the claim but the discrepancy is still on my credit report also I had a car payment discrepancy where they sent the money back and it was not my fault it was due to the financing company switching payment methods I also disputed that and it was also approved because the vehicle was paid off with the next payment but it's still on my credit report also I'm trying to clear all this up so I can get a loan for a house My information has been used fraudulently a few times through the years and I'm just now learning about a lot of it and trying to clear it up I would definitely would appreciate some help
Consumer complaint received 2019-08-06
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)

TWO ACCOUNTS WAS DELETED FROM MY EXPERIAN REPORT BUT EXPERIAN IS STILL REPORTING IT AS AN COLLECTION ACCOUNT. PLEASE SEE THE STATEMENTS FROM THE SUPPORTING DOCS.
Consumer complaint received 2023-07-30
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: M&T BANK CORPORATION (NY)

I was away on XXXX XXXX and a car loan was fraudulently obtained with my information without my knowledge or consent. Ive sent numerous letters with identification proof that I was away in the military in the XXXX XXXX. Ive also provided police report of the identity theft. M & T bank is still reporting this fraudulent account to the credit bureaus, and it is negatively affecting my credit. The dealership that gave this loan out was closed due to fraud. This car loan was obtained with a fraudulent paystub. The dealership did not require any secondary form of identification to obtain this car loan.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Good afternoon I received an email on XX/XX/2024 stating that I owe XXXX  XXXX XXXX {$4600.00} with account ending in XXXX and this is inaccurate information that doesnt belong to me. I been trying to fight this for a while and really trying to get this off my credit report. I havent received any updates or further information. I called customer service and sent emails also. 
Respectfully
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2021-08-24
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: SHM Holdings, LLC (TX)

On XX/XX/2021, Strong Home Mortgage run a hard inquiry on my credit report without my consent lowering my credit score which could impact credit rate for a purchase I have planned for the short term. I got reached out via email by two employees asking me for more information to provide a quote, XXXX XXXX, XXXX & XXXX XXXX, XXXX. 
I didn't reply their messages since I was not interested anymore in getting a quota. However, they went ahead and run my credit report creating a hard inquiry without my authorization. 

XXXX XXXX NMLS ID # XXXX Senior Loan Officer Strong Home Mortgage , LLC Branch NMLS ID # XXXX
Consumer complaint received 2022-10-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, and Account # XXXX XXXX  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
Consumer complaint received 2023-03-27
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: Grain Technology, Inc. (VA)

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Moneydart Global Services Inc. (NC)

I initiated remittance for XXXX USD on XX/XX/XXXX thru " XXXX - Money Dart Global INC '' company till now i did not get money to my XXXX bank account its been almost 10+ days and no response on request sent. Called Customer support no response. I sent multiple mails them and to their head office listed as Money Dart Global INC.
Consumer complaint received 2017-03-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unifin Inc. (SC)

I have received calls from Unifin from the numbers XXXX ( XX/XX/2023 XXXX ), XXXX ( XX/XX/2023 XXXX ) and XXXX ( XX/XX/2023 XXXX ). Every time they call they immediately ask for my name and my social security number before giving me any information at all ( including where theyre calling from or that theyre a debt collector ). When I tell them my name is correct they give me the company name but still refuse to state why theyre calling or what the business Unifin is until I verify my identity. I have received zero written notification from this company, I do not know what debt they assume I owe them, and they will not give me any information unless I give them confidential personal information. This is illegal and they have been informed of such. They were also informed that if theyre a debt collection agency they can contact my bankruptcy attorney at which point they say they will discuss all further information when my identity is confirmed. At this point I always hang up.
Consumer complaint received 2023-10-18
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today, I was notified by email by " XXXX XXXX '' that my credit score fell to " bad credit '' ( from XXXX to XXXX ). I could see that they took the information from Transunion and reported it to me. I called Transunion to report the fact that my activity had not changed and should not warrant a drop to a " bad credit status ''. I also explained concern because two years ago I had posted fraud alerts with all major credit reporting due to identity theft. Transunion failed to address my concerns and said I needed to get " XXXX '' to explain the drop in score. I contacted XXXX via email and they said to contact Transunion. I have reached out every way I know how. There was NO interest in resolving my problem on the part of either company. I want the companies to explain how someone without any credit cards can have an abrupt change in credit score. Two years ago I closed every credit account I had to prevent further identity problems. I had an XXXX score before the identity theft. After I closed all accounts my score was about 600. Over the last two years the score climbed to XXXX. I made no changes during the two years. I made no changes recently and yet, today they reported my credit score dropped from XXXX to XXXX ( bad credit ). I worked hard all my life, mostly at two or three jobs at a time to make ends meet. I paid all my bills on time. I never made any mistakes. But I am being punished over and over with jolting " bad credit '' reports. If this is how a hardworking American is treated, there is something seriously wrong with these credit reporting companies. And as a Us Citizen, I am not being granted any information about what might be happening at these credit reporting companies. I am asking that the Consumer Financial Protection Bureau act on my behalf to correct this " bad credit '' report. I should be seen as a very good credit risk because I have always handled my credit responsibly, even when I had the identity theft two years ago. Please help. Thank you.
Consumer complaint received 2023-06-28
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 have 4 fraudulent inquiries on my credit report, which I reported it to XXXX XXXX and XXXX, yet they are not removing these fraudulent inquiries. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. The followings are the fraudulent inquiries : XXXX XXXX / XX/XX/XXXX, XXXX XXXX / XX/XX/XXXX, XXXX XXXXXXXX / XX/XX/XXXX and XXXX / XX/XX/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 — Account status incorrect
Company: Zions Debt Holdings (AZ)

COMPANY AT FAULT : ZION DEBT HOLDINGS LLC THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY ZION DEBT HOLDING LLC, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXXXXXX XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (HI)

Since Waypoint Resource Group , LLC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX AND XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

YOUR COMPLAINT Capital one bank sent me a adverse action letter distantly stating due to my history and credit score that I was denied ( which is illegal ) pursuant 15 uscode 1602g we the consumers are the creditors also requesting my social security number on any application or transaction is illegal pursuant 42 us c 4208 reason for denial is creditworthiness which is not clearly 15 usc 1611 defined nor can u discriminate based on credit score becuase that is not accurate or set 12 cfr 1002.4 and 15 us code 1681 b I want my credit which is my right for one not all info reported is consensual per me and not correct so credit one is discriminating me while infringing on my rights and operating illegally its becoming prevalent that is the consumers are the creditors why would capital one deny XXXX XXXX credit not how its all in caps I need their desision to be reconsidered immediately
Consumer complaint received 2023-07-07
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)

The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Consumer complaint received 2023-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B and open credit payment can not be reported as late on a open account
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nair & Levin, P.C. (CT)

I went to XXXX XXXX on XXXXXXXX XXXX XXXX Checked in XXXX XXXX XXXX stayed a night and went home. Less than a month later I get a bill that states I owe {$20000.00} plus another {$8000.00} for the XXXX and my insurance isnt accepted. Mind you I had already went to XXXX XXXX 3 times to get an XXXX XXXX handed the secretarys my insurance card, made sure everything was all set and went on my way. Those 3 times I went there didnt get denied until AFTER I had my child there. Not only that, but my XXXX XXXX XXXXXXXX XXXX ) had checked if my insurance was accepted by XXXX XXXX BEFORE any of my visits there and I was told it was. I did my due diligence I asked the right questions and yet Im getting punished for someones mistake. Iv tried to contact them numerous times nobody could give me an answer as to what happened. I asked for an itemized EOB printed and mailed to me, and I would only received the summarized one. This has been over a year of me trying to get answers with no help. I will call the insurance commissioner and my lawyer to resolved this matter, since nobody on XXXX XXXX end is capable of resolving this matter themselves.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this information