davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.
Consumer complaint received 2018-05-17
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)

I have been attempting to resolve the multiple negative accounts on my credit report, however due to poor lack of inverstigation, validation, and communication I am requesting that all of the accounts be removed.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

Discover credit card attract customer to use digital wallet to buy things on the internet. However when I using the card there is a unauthorized translation so I called and reported it to the discover. Yes, the unauthorized translation was canceled immediately and they sent me a new card. But the card cant add to XXXX XXXX  again. I tried to call discover but no one can really help me solve the problem, they transferred me through 7 agents and I have to tell them information again and again. It really wasted my time and no reliable system to help customer solve the problem. Because the online store can only return refund original way. My money is lost. And I dont know what to do because no one actually follow my case.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (WA)

I am a natural person, i am a living human being, i have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681. and they violented my rights numerous of times. i demand these accounts listed below be remove because according to 15 usc : i have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX  OF XXXX ACCOUNT XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

I have a store credit card through BJs with comenity bank ( newly updated to bread XXXX  ) and they have not reported any of my payment or balance updates since XXXX. 
I have been repairing my credit and processing a refinance loan and this impacted my debt to income ratio and continues to impact my XXXX XXXX. I have a XXXX balance and it displays as a XXXX  % usage last reported in XX/XX/2022. I sent a dispute to all XXXX credit reporting agencies and submitted an update request directly to comenity. The response I received is : We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 


Is that even legal? They are purposely withholding updates to credit reporting which can both positively and negatively impact scores used for consideration in financial transactions.
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (CA)

I was discussing a potential solar project with XXXX and they said they use Goodleap as their financing provider. I ended up deciding to use a different solar installer and never proceeded with XXXX, but Goodleap still proceeded to open an invalid loan in my name.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IA)

XX/XX/2020, my PayPal account got permanently limited for unknown reasons and I was asked to wait 180 days before I could access my money, it was a bit frustrating for me but I decided to wait, 180 days is complete and they still giving me excuses about my money, please I really need assistance. I have tried to contact them via customer service countless times but all to no avail.
Consumer complaint received 2017-07-22
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: DISCOVER BANK (TX)

I applied for Discover student loans consolidation on XX/XX/XXXX, in the amount of XXXX. I was told by the company that you may dispute the claims, and within 30 days there would be an additional soft pull of your credit report once all dispute info was obtained. Customer service stated that they would not be conducting another soft inquiry. On XX/XX/XXXX,  My credit was pulled a 2nd time within 30 days without my permission. i have spoken with several managers, who did claim that the practice was wrong, and should not have been conducted as I was told something different, than what was done. Here we are, XX/XX/XXXX, and the inquiry has yet to removed from XXXX. This is the only inquiry left, discover removed them from the rest of my accounts. Discover claims to have submitted to the credit bureaus, but this is currently showing on my report. Please help. I have been speaking with supervisor XXXX, who has helped tremendously, but this has extended too far.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (SC)

I transfered {$7000.00} from a business account into my credit card, which did not have a balance, by accident. After realizing the money had been transferred into the wrong account I immediately notice the money was out of my account and not in the originally intended account I found the money and began trying to reverse the transaction via online. After no success I began to call Wells Fargo Credit Card customer service I began to call to reverse the transaction. After being transferred three times I was told I had to wait up to 5 business days to receive my money back in my account. This all took place on XX/XX/2018 from the hours of XXXX XXXX to XXXX XXXX. The final customer care person was XXXX XXXX with Wells Fargo Credit Card services. I would like to mention that all accounts involved were Wells Fargo Accounts.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-12
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. (NY)

XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXX and XXXX  XXXX XXXX  these accounts are fraudulent and do not belong to me. please remove off my credit reports
Consumer complaint received 2022-04-04
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: AMERICAN EXPRESS COMPANY (PA)

Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized Amex inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit
Consumer complaint received 2022-08-17
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. (IN)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX and XXXX Accounts 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 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (MO)

The XXXX XXXX Credit Card is the company credit card not my personal credit card. The company 's card balance keep affecting my personal score. I contacted the credit report company and tried to resolve this issue but they have not solve the issue. This situation has affected my score negatively.
Consumer complaint received 2022-12-16
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. (SC)

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 


Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I sent out a request form to XXXX XXXX XXXX via postal service and I also certified mail to ensure they received my request. Only XXXX  responded within the 15 days.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX SUNRISE CREDIT SERVICE and XXXX SUNRISE CREDIT SERVICE are both of the same account that is reporting to the credit bureaus twice for the same account and changing the balance amount owed. If you were to take a look at the account numbers you can see where they have taken numbers off or added to make like it is a different account. 

I have disputed this account back and forth numerous times for the past months. Each time i have asked them to provide proof that the account is mine and the Sunrise has  failed numerous times to produce the proper evidence. 

This needs to be remove from all of my credit reports because Sunrise Credit has violated the Consumer Fair Credit Act on multiple accounts. 

Both accounts needs to be deleted off of my credit reports.
Consumer complaint received 2022-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XX/XX/2022 - Called Equifax and spoke with XXXX, Employee Number XXXXXXXX. They are not being helpful to survivors of XXXX XXXX She said to look up my XXXX XXXX block request that she required me to submit identification and proof of address electronically while on the phone. I submitted my driver 's license, passport, social security card, and a XXXX ( from social security administration ( social security benefit statement ) with both my address and full social security number on it. I offered my car insurance as well to serve as proof of address. XXXX would not accept my documents. She said that she was at the highest level and that it could not be escalated further.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been a customer with Bank of America for many years, having a credit card from there since 2011. In XXXX, I applied to change from a XXXX Rewards Card to a XXXX Rewards card. Before applying, I had spoken to a customer service representative to make sure I qualified for all of the benefits that other people who apply for the card receive, including 0 % Intro APR for 12 months. I have a transcript from the conversation. Unfortunately, I am being charged interest despite the fact I was told I would not have to. Hoping this to be a clerical error, I then spoke with XXXX people from Bank of America and all of them stated that there is nothing they can do. 

I am upset because I have specifically planned and changed the credit card to benefit from the 0 % APR for 12 months, as I had some big purchases planned. The extra interest payments are an added hardship that have forced me to change my plans and financial planning. I was specifically lied to get this card and am now told there is nothing I could do. I would close my account with them, but do n't want to hurt my credit score.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXX Balance : {$12000.00}
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Transunion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}