davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On XXXX, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX  isnt reporting any payment information with Transunion. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I had filed a previous complaint about the same issue and citibank had stated that they would provide me the representment documents but today XX/XX/24 I received a letter from citibank stating that they are denying my request for representment documents which I should be entitled to because I know 100 % that I did not make those charges so I believe thats the least that they can do for me when they have denied my fraud claim.
Consumer complaint received 2022-03-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I spoke with representatives at each of the bureaus to advise I have been a victim of identity theft as well as exposed to the XX/XX/XXXX data breach and wanted to unauthorized accounts and inquiries that were placed on my report as impermissible use to be deleted. I was told to mail or fax in FTC report along with a notarized affidavit for the account and inquiries in question that were fraud and they have failed to comply with the law. I never authorized anyone to pull my credit nor did I give anyone permission to report any information to my credit profile without my written consent, this is a clear violation of my rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person. This makes me feel like the bureaus don't have to follow the law and its causing me too much stress when I'm the one who is suffering as a victim. Its 45 days
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-14
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. (NC)

Re : Victim of Identity Theft. This is not an error. 

******************************************** I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. I did not authorize these inquiries to be taken out in my name.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via USPS certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.
Consumer complaint received 2022-03-14
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. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.15 U.S. Code 1681b - Permissible purposes of consumer reports. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX Deleted XXXX Mortgage FRAUDULENT account. 

Attached Affidavit of Identity theft, Police Fraud report, FTC Fraud report and my ID for deletion.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank with Discount Tires had an unknown individual make a fraudulent payment on my account showing a zero balance that I did not place using their automative system meaning someone has access to my account I did not make the phone payment myself or anyone else who is authorized to use my account did not make this payment either. The reason why this is an issue is because I have a promotional offer that waves interest for a certain time period and I do not want to lose this promotion. 

My initial call, the customer service representative had me on hold for 33 minutes refusing to transfer me to a manager or the fraud department while already being aware my account had been compromised. I used another phone I had in my house and was able to get the fraud department within 3 minutes. The fraud department wanted to then send me back over to customer service even though I told them I did not make the payment and someone is playing with my account. The proper steps for Synchrony to do was to cancel my account and to provide me with a new account number and card but instead nothing is being done on their side. Their fraud department and customer service representatives need to be trained better as this could really cause issues to individuals livelihood during a precedent time like this. I find how they handled this matter un-acceptable and if they are not able to trace who places calls on their automative system... why do they have one? Please investigate this company.
Consumer complaint received 2019-10-09
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)

Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.
Consumer complaint received 2022-02-09
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: FORD MOTOR CREDIT CO. (CA)

Im currently shopping for an auto loan and received a preapproval offer from XXXX XXXX. I also submitted a credit application with XXXX XXXX XXXX to get a lease offer of which a hard inquiry was completed. I was contacted by one of their dealers but they didnt have the car in stock that Im interested in. The sales rep, XXXX XXXX, was trying to convince me to have finance at his dealership also run my credit so they can shop with their partner lenders even though I already have a pre-approved offer. I told him Im not interested in having them run my credit one because they dont even have the car in stock that Im looking for and two because I already have a preapproval offer. The sales person told me he will let his finance department know and will get back to me. A few minutes later, I received an inquiry alert from XXXX notifying me that XXXX XXXX XXXX auto dealership in CA, pulled my credit - without my consent. I did not complete any credit application with them nor did I provide them with my information to authorize a credit check.
Consumer complaint received 2018-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Awhile back I kept getting my phone plan ran up past my limit by this company trying to collect a 12 year old cc debit. I called them and told them I would not verify my address not to call anymore. I told them that the bill has been wrote off and that by law they can no longer bother me about it. He hung up on me, then they persisted again calling from all kinds of XXXX numbers threatening to sue me and so forth. I had my phone changed and then they began calling my mothers number who is also on the do not call list. My mother is XXXX I did my part by calling them but they hung up on me so I am done with it. 

I had to change my cell number now they are calling the new number. I want this stopped I have registered every phone possible. The number they want me to call is XXXX I would give you all of their numbers but they are all XXXX XXXX XXXX message only numbers. They do this so you have to call them. I did now i am done and want them to stop. I believe it is capital one DO NOT GIVE THESE PEOPLE MY ADDRESS THATS WHAT THEY ARE DIGGING FOR. AFTER TRYING TO SPEAK TO THEM AND BEING HUNG UP ON THEY CAN FORGET ANY MORE CORRESPONDENCE FROM ME.
Consumer complaint received 2019-07-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I'm a recent identity theft victim. Have been trying to get in contact with Equifax since Monday XX/XX/2019 in order to establish an account to freeze and unfreeze my credit file. Customer service is not helping me correct the problem. They call me back after waiting quite sometime only to transfer me back into the automated recorded loop, forcing me to wait again to speak to someone or I get told to wait 24 hours to attempt to create a password. What they're doing is wrong. 
For three days now I've been trying to establish a password for a myequifax account and nothing is being done. I'm beyond aggravated. Today is XX/XX/XXXX and I'm still fighting with this. Eight calls so far this morning alone. It's a joke to them.
Consumer complaint received 2019-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC (NV)

On XX/XX/19 at approx. XXXX PST, I, XXXX XXXX XXXX called Capio Partners in an attempt to settle the account # XXXX ( Ref # XXXX, XXXX XXXX, Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After my personal data confirming information, the girl on the phone didn't accept my offer for XXXX, as I informed her I had been ill and could not pay the full amount. She said they may take XXXX  %. I requested this in writing with a Pay to Delete Settlement in writing. She emphatically informed me in no uncertain terms that my request for a Pay to Delete Settlement notice in writing for an agreed amount would NOT be sent out prior to the account FIRST being paid. When I was confirming that she was denying this process, she got snotty and here tone got very nasty. I asked again, for personal clarification, that she was denying me this process. I asked her if she knew the law. She said she was then confusing herself but they would NOT send me this notice in writing prior to me first paying the debt. I advised her I was informed this was exactly what I needed to do PRIOR to paying any verbal agreement. She became very rude and hung up on me! Are you kidding me? I am trying to settle a debt from a hospital! 

I will contacting legal advice next. This event was rather disturbing. VERY DISTURBING!! This is abusive. I am XXXX XXXX XXXX. Shameful!
Consumer complaint received 2018-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I have been paying XXXX a month on this loan for 12 months. My initial lian amount was XXXX and currently has an outstanding balance of {$6100.00}. As i look over the contract the total balance due is nearly XXXX.
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ERC (FL)

I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI (KS)

Get daily recorded messages stating " Hi this is XXXX XXXX calling from Gen. Revenue Corporation. Please call me or any of our representatives at XXXX ''. I have contacted them numerous times and advised that this is a law office and the person they are trying to contact ( XXXX XXXX ) is neither an employee or a client of this office and to please stop calling. They have repeatedly advised that this number has been removed from their list, yet I continue to get daily phone calls.
Consumer complaint received 2022-03-14
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. (PA)

I have been disputing bankruptcies with XXXX, XXXX and Equifax and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies XXXX, XXXX and Equifax that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AL)

I got a Chase XXXX XXXX card through a promotion on XXXX. Problem is, two months in a row, when trying to pay my balance using the Chase online system the first attempt is rejected. I can log in fine, but their system rejects my payment with a message stating that ( paraphrasing ) there is no balance due and I am unauthorized to make a payment. The balance on the card shows up in my account, but their system rejects a payment before interest is due. HOWEVER when I go back into my account and try a second time, I get a different screen that allows me to make a payment. This was not described as a feature of the card when it was promoted on XXXX. Consumers should be able to pay off a balance to avoid interest. This has been the traditional and customary way of credit. Please help.
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank : I opted in to recieve overdraft protection from the bank and within a week I called in and opted out of the protection. After opting out They allowed a preauthorized purchase that i did not have enough funds to cover in my checking and took the funds from my savings account to cover it. This wiped out my checking account and XXXX more purchases were allowed also being taken from savings account. i was charged the overdraft protection fee {$6.00}. on the first XXXX, on the last charge they allowed, i was charged an unprotected {$35.00} charge. Though I opted out they allowed the preauthorized charge even though there were insufficient funds. This all takes place in less than a months time.
Consumer complaint received 2015-12-16
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (IN)

I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with XXXX ( XXXX ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. XXXX suggested that I log a complaint against such institution here at cfpb Companies are listed as below : CastlePayDay - {$1500.00} https : //www.castlepayday.com/
Consumer complaint received 2022-03-14
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. (PA)

I have been disputing bankruptcies with XXXX, Experian and XXXX and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the 3 major reporting agencies XXXX, Experian and XXXX that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Consumer complaint received 2021-04-14
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. (TN)

To my knowledge I don't have a credit score, so I've been working on making it by obtaining a secure credit card with XXXX. I also downloaded the Experian app as it was highly recommended when I intended to check my credit score. In the app it says i have Outstanding Debt, but have never gotten any loan and not paid it off. the only loans I've ever gotten are from XXXX XXXX. it was suggested that it may be from XXXX  as some credit cards have annual fees, so i checked my account balance and i have no such charges, i checked the website and i see in big bold letters that the specific card i have has no annual fees. 
Now to my knowledge i don't owe anyone any money. as i said i just got my first credit building credit card and have no current debt with XXXX. 

I should also mention that on every identification that i have my First name is as listed, but i have two last names and it only shows one, my last name is hyphenated, it doesn't always show up but both last names do i attached screen shots from my XXXX card statements, the outstanding debt info that shows on Experian app and the advertisement from the secure card i got and one of how my name shows up in the Experian app, you can see how it should be on the statement from XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

I have tried numerous of times with the XXXX credit bureaus to dispute the validity of a debt that was first owed to XXXX XXXX XXXX and sold to IQ Data International. The amount this XXXX XXXX is reporting under my consumer credit profile and attempting to collect from me is 100 % inaccurate and inflated.