davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
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. (FL)

I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
Consumer complaint received 2024-05-13
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: EQUIFAX, INC. (GA)

Did not authorize these companies to use my Social Security number this is fraud at this point unauthorized usage for he following accounts .fraudulent accounts listed below 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 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 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 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 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 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 2022-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (FL)

I paid my all debts for XXXX XXXXXXXX. Now after more than 5 years I received a notification from you that I am owing you a remaining balance. 
Not sure what you a re referring to. 

Case # XXXX
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I received a coupon which said " open or upgrade to chase sapphire banking account. transfer a total of {$75000.00} and maintain it for 90 days. Then I will get XXXX ultimate rewards bonus points. So I upgraded my account at a chase bank with the coupon and transfer {$75000.00} to my account on XXXX XXXX. Now 90 days past I have not received any points. I called chase customer service they said I have to to the branch which I opened my account to solve the problem. Then I went to the branch. A banker checked my account and told me the person who upgraded my account did not apply the coupon successfully. That's why I have not received the coupon. This is really wired because I saw the person who upgrade my account type in the coupon. And it is the bank 's fault. They said I can't get what they promise just because their mistake. this is unacceptable.
Consumer complaint received 2019-07-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I filed a dispute on XX/XX/2019 and have not heard anything. It still has pending on my status. I can't get a hold of anyone to talk to about my problem. Keep getting that they are unavailable. The chat tells me to call a number and I can't get anywhere. I need this resolved so I can get repairs done to my home.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my XXXX or equifax account. On our phone call also previous conservations with XXXX they report to all 3 beaurus. In emails she said only 2 beaurus. Its currently reporting only to XXXX. I'm asking Equifax to do their dye diligence that this is reporting to Equifax and XXXX
Consumer complaint received 2021-10-29
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: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-05-16
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. (MD)

In accordance to the Fair Credit Reporting act XXXX Account # 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 2019-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (SC)

Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Blue Trust Loans {$1600.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff. After a few large direct debits from my bank account I examined my balance and was looking for an early payoff. There is no early payoff per se. The balance is now showing a pay in full balance of {$2400.00}!!! I refuse to pay {$2400.00} on a loan in which I have already paid over {$700.00} since XXXX. I called BlueTrust at the end of XXXX and most recently in XXXX to request a payout and payment plan to pay off the balance, they refused to update my account balance and offer a payout that aligns with my payments. They have continued to attempt drafting against my bank account.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have allot of collections In my credit report through tranunion and XXXX. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to live with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.
Consumer complaint received 2022-10-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS has agreed to wipe away all debt from my credit report to all three reporting agencies... XXXX has done that, but XXXX and XXXX have not... 
XXXX deleted one of the debts, but 2 still have not been deleted. 

I have a letter that states this would be done.. 

Please contact XXXX and XXXX to have all of the debts removed ...!
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo continues to over charge me with overdraft fees even though I did not consent to them. Something has to be done about it. I never opted in to overdraft fees as the bank has always declined my transactions at 99.99 % at a time. Why is it that they charge me {$35.00} for paying a dollar or {$5.00}? I need refunds for predatory fees they continue to charge me and for pin and suffering with inconveniences caused.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax had two breaches in XXXX and XXXX and my personal contact information was compromised and used to open and make hard inquiries on my credit report. All the inquiries were made fraudulently one day after the next and made all for Telecom/Cable providers out of state. I reside and work in CA. I have called to have them removed and deleted a few have and others return that are factual. The only valid and accurate inquiries are attached to a credit card i have initiated and opened. The following inquiries show only on Equifax and not the other two credit bureaus. I even had a collections that came from the fraud inquiries and those were investigated and deleted but the inquiries are still on my report. 
XXXX XXXX XXXX XXXX, NV made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX made on XX/XX/XXXX and XX/XX/XXXX XXXX ( Two made duplicates ) XXXX XXXX XXXX CO made on XX/XX/XXXX XXXX XXXX CA made on XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX I have called and written letters to the creditors directly to dispute and provide me proof/ documentation, legal signature that I have authorized these inquiries to be made on my behalf. The list above are all are misc inquiries for services that I have never done business or requested from CA. 

I would like these items removed, I shouldn't be penalized for something I have never done ir inaccuracies to my reporting. The dates and activity of the inquiries above is suspicious on the occurrence when they were initiated one day after the next in the same month and years of the breach. Equifax offered credit monitoring and credit freeze for a year there after but this doesn't fix the damage it has caused or fixed the problem of the individuals personal information getting compromised. 

I look forward to someone helping get a final resolution on getting this fixed. I have also researched on the internet that others got similar breaches around the same period. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

I closed my Citi Thank You Premier Credit card account XX/XX/2019. While closing my credit card account I was NOT told that the reward points would expire within 60 days of closing the card. As a consequence I lost over 50,000 ThankYou reward points. 

I called their customer service but they would not reinstate the points. I am quite certain that they did not inform me that the points would expire so I would like to get them back.
Consumer complaint received 2022-10-13
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-16
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (NY)

All of the auto requests on my report from May have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX BXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
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: CITIZENS FINANCIAL GROUP, INC. (CA)

You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and XXXX XXXX
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (CA)

Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2022 I looked at my account online to purchase a few items. When I try to purchase the items on my credit card I Could Not. So I called Comenity Bank who served XXXX 's account, I was told account was close But I have a {$100.00} available credit line and also my last XXXX digits on my account is not the same. 
The bank change their cards lately and I never recevice the new card. The bank say they were going to mail it But never did.
Consumer complaint received 2022-05-16
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. (NY)

This is a fraud account XXXX/XXXX/XXXX my information was stolen in the equifax data breach and this account was open with stolen information, Current shows as a charged off account with a XXXX balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX  and a collections of XXXX is listed my report.
Consumer complaint received 2021-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I purchased a home on XX/XX/XXXX using a VA Home loan Through U.S. Bank office branch located in XXXX, IL XXXX. I am a XXXX Veteran in the state of Illinois and am property tax exempt. My closing disclosure specifically states that i will not have an escrow account set up for County Property Taxes. US Bank Disbursed out of my escrow for property taxes that were credited to me during the closing process causing a shortage in my escrow. US Bank has now tried setting up an escrow account for county property taxes increasing my payment from {$750.00} to {$1000.00} ( if the shortage is paid in full ). My current payment including 1/12 of the shortage amount and the estimated escrow will be {$1300.00} nearly doubling my minimum payment. I have contacted my local branch and their corporate customer service via phone. I have not had this issue resolved and I believe it is pure negligence from US Bank and my loan officer for not providing documents that were submitted to them and causing undue hardship and not abiding by the final closing disclosure.
Consumer complaint received 2022-05-16
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. (IL)

The Following accounts where Where deleted XXXXXXXX XXXX accounts number XXXX & XXXX XXXX account Number XXXX & XXXX Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

The company, IC Systems, claim to have a debt in my name owed to XXXX in the amount of {$300.00}. I have never received any written notification by them or XXXX regarding this debt. I noticed this on my credit report from another collection agency reporting from XXXX. However, I have called this company and they claim the account was sent back to XXXX. Furthermore, I get in contact with XXXX and they claim that the account was never sent to them from the previous company before IC System took over. 

I got in contact with IC System and spoke to a very rude representative from their company. I verbally asked for a itemized statement to be sent to my home address, in order, to view what was owed and why to XXXX. The representative refused to mail the itemized statement which I thought under the FCRA that I have a right to get this information without this kind of harassment from a rep. He told me that they do not mail out itemized statements due to their policies? I told the rep over and over that I was going through a divorce and that I needed this statement for court ( martial debt to be split ) ; however, he refused and told me that " it doesnt matter if you are getting divorced, you still owe this ''. This rep was very unprofessional over the phone and refused to give me validation on the debt owed. I felt very disrespected by the rep and simply hung up on him because of it. 

IC Systems should not be reporting this to my credit without any proper notice whatsoever, considering they hire people described above that refuses to give out validation for a debt owed. This should be deleted completely and no further contact from this company to me.