davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
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: EQUIFAX, INC. (FL)

Equifax/ I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately. Please deleted " XXXX XXXX XXXX ''
Consumer complaint received 2023-02-04
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/ I received a text from my bank asking me if I attempted a transaction of {$12.00} on my debit card and provided me a case number and telephone number in the text. I was sceptical and did not reply to the text because I did not recognize the telephone bank number. However, I check my bank account and to my surprise there were 4 debit card charges of {$12.00} each for that day. I called the number provided immediately to dispute the charges and stop further unauthorized transactions. I was surprise again that the number was not a 24 hours access number nor any of the bank 's XXXX numbers I got from XXXX or the mobile app. I was afraid that my account has been compromised and there is no way to stop it since this is happening on Saturday night to early Sunday morning and no one at the bank to talk to. I called again that XXXX  around XXXX and was able to speak to a bank personnel. I relayed my issue to him and have my debit card cancelled and a new one issued but was shocked when I was told that the bank can not do anything about the fraudulent transactions since they were " pending '', I have to wait until they " went through ''. I do not understand why the bank can not stop the payment of the fraudulent transactions but have to wait until they are paid to file a complaint. Now, my account is compromised, I can not access my funds until I receive a new debit card but someone can access it with free range and I am short of {$48.00} from my hard earn money which I left in my bank for safe keeping and they allow someone else other than me to have access to it and stole it under their very nose and to tell me there is nothing they or I can do about it. I am having a hard time to understand this. My bank is Capital One.
Consumer complaint received 2020-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (GA)

Guaranteed rate is the originator of my mortgage and it is being serviced by XXXX XXXX XXXX XXXX ( Servicer for Guaranteed Rate ) Account # XXXX. My payments are not being being posted to my account in a timely manner. My payment for last month was credited to the wrong account and the error has still not been corrected despite numerous phone calls and messages thru the secure message app on the servicer 's website. I am concerned that my credit report and credit score will be ruined by this company 's errors on my account. My monthly payments are taking a very long time to credit to my account. I am now sending the payments very early in hopes of getting posted to my account on time but to no avail. I have really GOOD credit and I don't want it ruined by appearing to not be making my mortgage payments ( even though my bank statements prove otherwise ). I am making timely payments and should not suffer the consequences of this company 's inability to post payments to the proper account. Thank you for any help or advise you can provide to me. 

XXXX XXXX
Consumer complaint received 2023-02-04
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-15
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 — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-02-29
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: SYNCHRONY FINANCIAL (AR)

i have disputed this problem with XXXX  since 2019 then in XXXX other Hard Pull from Pay -Pal credit i have disputed it several times and i have Pay -Pal credit and ever time they say we send letter and have it deleted and mark it as Fraud well all of it was lie all my letters all my calls was for nothing MY last call i was to point, well i was to point .The rep got on he was smart moth young kid and i was not in mood but i didn't say nothing back i ask are you i Fraud dept he said no i said then i need to talk to someone in the Fraud dept he said you like that i said i would since you don't nothing but answer the phone .The rep said i just do that i said then do it the Rep made a mistake and hit the button and connected me Synchrony Bank i ask are you Pay-Pal credit she no i am Synchrony Bank can you fix my problem since i connect somehow she said yes XXXX, And i never told her my name? She XXXX i am really sorry for all this i really am. i ask what can you do because all i have got is lies she said i no XXXX she said but i can fix it i will delete it and all the files it take about two weeks to run threw the system and XXXX please forgive me i am truly sorry, I ask he how this happen she said you woulde n't understand XXXX Okay but i am sorry i said let me guess she said i got to go XXXX i said give minute this account was never opened by me i no that she said i no But who did XXXX you wouldn't understand. I said let me guess Pay-Pal credit opened it in my name and your bank allowed she YES XXXX i got to go what you your name since you no mine and you sound like they more to this XXXX i no you i said don't worry about that what your name she said XXXX and XXXX i got to go. that was end? little strange to me. So i looked and looked for name at Synchrony Bank at it was hard to find she not rep she works in the vise president in litigation 's and i wonder how come she was talking in room in low voice and it was her middle name, Pay-Pal is opening Fraudulent accounts using people Social Security Numbers they did this before, my guess to his taxes, assets and so on millions of people will be hurt for years to come and i am
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2019, I went online lokking for a car I went to XXXX XXXX XXXX and spoke to XXXX and XXXX they scammed me into getting a XXXX XXXX with cat hair in the back. They tiik {$600.00} from my XXXX XXXX account. I called to take the car back and I spent {$500.00} to get the cat hair out. I took the Car to XXXX XXXX XXXX and had to but cleaning supplies at XXXX XXXX. I paid cash to get the hair out it was in between the seat wear the seat beats were at plus cat urine was so strong. I couldnt get it out. So they placed me upside down in my car loan. I went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX SPOKE TO IN PERSON XXXX AND HE DROVE TO XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX to pick up the XXXX  XXXX XXXX. The car is a flood damaged car. I almost died in the car. XXXX wouldn't cover a flood damage vehicle. I called XXXX XXXX to have it towed to XXXX XXXX XXXX. I went to XXXX XXXX in XXXX. XXXX XXXX has a deal with them. The mechanic told me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ( XXXX ) XXXX. The other scammers are XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. They gave me my car fax and thats how I figured out the miles were turned back.
Consumer complaint received 2020-02-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (CA)

I had made a payment agreement with XXXX XXXX, XXXX and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.
Consumer complaint received 2023-11-29
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. (MD)

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 Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2020-02-29
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. (AZ)

I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to Experian. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS INQUIRY PLEASE
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

my debit card along with my wallet and ID was stolen and an unauthorized transaction was made on my checkings account with bank of america for {$1300.00}. i initiated a claim on XX/XX/2019, they then got back to me on XX/XX/2019 telling me that they are unable to pay because their records show the activity was authorized correctly ( which it was NOT ) i then reopened my claim and here we are months later with no resolution. i've called numerous times since my claim has been reopened, customer service assuring me everytime i call that my claim has been escalated, but here we are months later with absolutely no help or resolution. i have called them so many times and no matter what i either get lied to about a date on which my issue will be resolved, or they tell me that i just have to wait. it has been months and my money has been stolen. bank of america refuses to help me at all.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC (CA)

Solar mosaic of XXXX CA opened an account in my name for solar/ home improvements on XX/XX/19 apparently at the request of XXXX XXXX XXXX   of XXXX XXXX CA . 
I never initiated this loan or process. 
It apparently has a balance of {$28000.00}. 
I have never received any funds nor requested them. 
This is identity fraud. I have notified solar mosaic and they are investigating. I have attempted contact with XXXX  XXXX  but have received no response yet. 
I learned about this just 1-2 weeks ago when checking my credit report.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

A security fraud alert was put on my Experian report without my knowledge.I called Experian to find out why a security alert was put on my Experian report.They would not give me any information.I want to know who committed fraud with my credit to put a security alert on my report.I want details
Consumer complaint received 2021-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (WA)

On Monday XX/XX/2021 my husband and I filed our taxes with XXXX. At the end we were told by the assistant that we owed {$190.00} for our federal taxes so we paid that amount then. After paying the {$190.00} we were asked to provide payment for the IRS. Perplexed we told them we just paid that. That is when they informed us that we paid for XXXX software which was not disclosed to us. XXXX XXXX formed us they could not provide return and to take it up with our bank. So I got ahold of Chime and explained the situation and they filed a dispute on my behalf. On XX/XX/2021 I finally recieved a provisional credit. On XX/XX/XXXX I recieved an email from Chime stating that they found an error did occur and they are finalizing my credit to my account in the amount of {$190.00}. Fast forward to a XX/XX/2021 and I recieved another email from Chime telling me that the made a final decision on my dispute and found no error occurred and that they would be reversing the provisional credit to my account. Today XX/XX/XXXX chime did just that after trying to tell them they can't reverse a final payment. So I am now negative {$190.00} in my chime checking account and I feel this is way way out of line and regulations.
Consumer complaint received 2023-06-26
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. (GA)

the XXXX credit bureaus ( XXXX, Equifax, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-29
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: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to XXXX. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.