davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (IL)

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: COMMUNITY REINVESTMENT FUND (TX)

2020 refused pandemic help. Refused unemployment. Slandered my background and deined me assistance because I wasnot equipment with how to correctly handle my llc  position and didn't know where to find help
Consumer complaint received 2022-03-04
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. (MO)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Some accounts are duplicated and closed. Yet they are still being furnished on my account. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$300.00} DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} BANKRUPTCY XXXX XXXXXXXX Reference Number XXXX Filing Date XX/XX/XXXX BANKRUPTCY XXXX  XXXX-DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$3000.00}
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Friday XX/XX/XXXX I paid two bills from my Bank of America account ending in XXXX. At the end of the same day one of them had cleared my payment and the other on the next day. I have emails proving this yet my bank ledger did not reflect these changes. On Monday my account became overdrawn and I was charged for 3 different charges when there should have only been one.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Millco Management (FL)

I pulled my consumer report, noticed Amerifinancial Solutions listed with an alleged debt. I contacted XXXX to have this account removed, as this is alleged identity theft, and per the FCRA this should be removed within 4 days. 

I also contacted AFS via phone, I attempted to provide them the information that THEY WERE REPORTING to my credit report, and before I could, the agent " XXXX '' was rude, she stated that the account was indeed NOT my account, but someone else 's. She also provided that they received the XXXX complaint and FTC report with the supporting documentation. I requested a cease and desist, to provide the documents ( medical ) that were used to verify & validate the account, and I also demanded to have the accounts blocked from reporting this fraudulent information to my consumer report. 

XXXX provided account information without VERIFYING my identity or confirming that I was the correct party on THEIR account. XXXX CONFIRMED on the RECORDED LINE that I was not the OWNER of this account. 

Address listed on credit report also does not match so how is it possible to remotely " verify '' this account when my name and address isn't valid?
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (FL)

Chime Bank allowed a person that doesn't & has never resided at my property address to open an online bank account. I notified Chime on XX/XX/22 of the fraud that was committed. I received a response from Chime advising that they could no longer do service with me and that they will l be closing my account. I have never opened a Chime account. Chime needs to do more to combat fraud which is raging in this country. I am very concerned about Chime 's verification process with allowing fraud to occur and want them to cease and desist from allowing someone to fraudulently open accounts in my name as well as allowing someone to use my property address for their fraud.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (FL)

( LVNV FUNDING LLC ) at ( XXXX XXXX XXXX XXXX, SC XXXX ) has been calling Me, for the amount of {$3300.00}. 
After I ask multiple times to stop calling, I had to change my phone numbers XXXX times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.
Consumer complaint received 2024-02-07
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
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: T.S. Holdings (GA)

I am disputing the XXXX  credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.
Consumer complaint received 2019-01-28
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. (TX)

I have already reached out once my 2ND ATTEMPT - Equifax about the following accounts : 1. XXXX XXXX XXXX - {$450.00}. These accounts do not belong to me. 

2.XXXX XXXX XXXX {$12000.00} account does not belong to me. 

Received notification that these accounts were verified but I have not received any VALIDATION SHOWING THAT THESE ACCOUNTS BELONG TO ME- - According to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed. 

Equifax reporting Unverified documentation!!
Consumer complaint received 2018-05-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

i applied for a new mortgage through quicken loans. i am buying the house from my wife and disclosed this from the beginning. i have never been on the loan, title or anything as she had the house before i met her. they said as long as she hadnt missed or been late on a payment in 3 years, it would be ok and not considered a bailout, which they cant do. ive went through the whole process and gotten everything done theyve asked for. we had 10 days until our closing date. on thursday i received a message from the woman i had been working with stating that she was expecting the appraisal back on XX/XX/XXXX, and would contact me within 24 hrs after to go over the closing details. the next day i got a message from a purchase solution consultant saying i need to call him. i did and he said it wasnt going to work out. he transferred me to another woman and from there i was transferred to the " executive branch '' which is supposedly the highest branch you can talk to. i asked each person why this isnt going to work all of a sudden? i was told by each person that they cant say all they said eas a senior underwriter denied it now. i had to pay a {$500.00} appraisal fee and the rest would come off my down payment. i have already gotten the approval letter for the property and everything the absolute only thing we were waiting on was the appraisal to come back l. i never wouldve paid the {$500.00} if everything wasnt good to go. the executive woman i spoke with told me she couldnt tell me the reason it was denied. i said fine at least give me my {$500.00} back because it was a mistake on their end because my loan never shoukdve gotten that far if something was wrong. here we are 10 days from closing and all of a sudden it wont work now. she said she would review the calls and everything and itd take about 2 days to go through and then she could see abiut the {$500.00} back, then said nope its non refundable. i never got an explanation as to why my loan was denied and so late through the process, and i am unable to get my {$500.00} back that never wouldve been paid id someone on their end didnt screw up. they wont return my calls or emails and won't give me an answer as to why this has happened. i told then thats fine if they dont want to help me ill give my business to another company but i want my {$500.00} back! doesnt make sense witg everything being fine and approved jl, just wait9ng on the appraisal to close, then boom, not happening. they didnt resolve my issue, ask for anymore information, and never gave the reason why its denied at the very end and why i cant have my {$500.00} back.
Consumer complaint received 2018-05-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

hi I was part of customers who had accounts opened without me knowing and as a result I got charged close to {$150.00} worth of fees for 2 years and half well my complaint was submitted and wells fargo attempted to settle the matter through the mediation but during mediation process the mediator didn t give me a chance to resolve the problem in my favor but decided to side with wells fargo because they are paying and hired by wells fargo so it was a big set up from the beginning
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help XXXX XXXX hopefully make more money on their auto loans. 

Limited history at address : I am in the process of moving to this location. I told that to the XXXX   people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. 
Not enough debt experience - I usually pay CASH, is that a crime? 
Total Account balances? 
Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that? 

XXXX XXXX, ( XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that XXXX XXXX can change the terms of the submitted auto loans so that XXXX XXXX can make more money. 

I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as XXXX XXXX, for sure.
Consumer complaint received 2018-12-13
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. (NV)

The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
Consumer complaint received 2020-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I got transferred to 3 different departments on the phone, when I finally got to talk to someone I told them what happened and they said they would escalate the situation to someone in higher power and will be contacting me they never did. I keep receiving emails from ACE cash express saying that I owe XXXX dollars on XXXX XXXX. I began getting the emails on XX/XX/XXXX saying that I made an in store appearance and I havent left my house since XXXX.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX has placed false reports on my XXXX   credit report. XXXX XXXX XXXX has placed bought a debt from XXXX XXXX XXXX XXXX XXXX and is attempting to collect the debt from me by making false claims on my report. I never opened an account with XXXX XXXX XXXX XXXX XXXX or made charges using a credit card from XXXX XXXXXXXX XXXX  XXXX, the original owner of this debt. Ive contacted XXXX XXXX XXXX   and explained the situation but they respond by saying my dispute is false. I explained that Ive made several attempts to contact XXXX XXXX XXXX XXXX XXXX but they will not call me back nor answer my calls. I've left messages with XXXX XXXX XXXX XXXX XXXX trying to explain that this is a fraudulent account and asked for them to please contact me. I have never signed any application or made an attempt to open an account with XXXX XXXX XXXX XXXX XXXX I ask for XXXX XXXX XXXX to remove the fraudulent clams against me on my credit report with all three credit score reporting agencies until an investigation can be made to  determine where these charges came from.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
Consumer complaint received 2021-02-13
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)

I contacted Equifax via mail and phone 4 times via phone and mail regarding these several unauthorized inquires on my credit report. I advised Equifax that I was a victim of identity theft and these multiple inquiries were not mines and not made by me. Equifax advised to send a FTC report, which I did but inaccurate inquires still remain on my report. I sent the fraud letter that I received from the Department of Justice, I sent multiple dispute letters, Ive called, Ive even filed two FTC reports, yet these unauthorized inquiries remain on my report. Both XXXX  and XXXX has removed these inquires from my report however Equifax wont. Are they above federal law? Do they just get to do what they want with consumer credit reports? THIS IS NOT FAIR THAT I HAVE TO BE PUNISHED FOR FRAUD.. FCRA SAYS ALL INACCURATE INFORMATION ESPECIALLY FRAUD MUST BE REMOVED.
Consumer complaint received 2018-05-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CRESCO CAPITAL INC. (AR)

On XX/XX/2018 the tractor that I had leased with Cresco Capital broke down on XXXX, XXXX bound to XXXX , Tn. I had the truck towed to a local company there. ( XXXX XXXX XXXX of XXXX Tn ) however, after the diaqnosis, they found problems with the DEF system and mentioned to repair it would be {$14000.00} which they would need half upfront to start the job. therefore, I mentioned this to the lease company and they said I would be responsible for all repairs. Afterwards, I fronted {$7300.00} and as they started to do the work they found addtional problems which meant additional cost. after estimates came back to the tune of {$16000.00} I again reached out the lease company explaining that I was willing to front as much as {$15000.00} toward the repairs minus the initial cost and ask if they could assist me in any way, which they refused. So I contacted the repair shop and ask if they had any credit applications for in house financing for repairs and they said yes and before I could get the application back to the company, the truck had been repossessed and placed derogatively on my credit.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Asset Agency, Inc. (TX)

I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
Consumer complaint received 2020-07-31
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. (TX)

I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states 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.