davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-14
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TX)

I was a co-signer for a synchrony car care credit card, I was never informed of any missed payments by either the company or the person who was the one to utilize the credit card during the entirety of the missed payments. I never once used it nor did I even have a card with me to use it. I disputed this account several times asking to be removed and or taken off my credit report due to the fact that it was paid in full already and the fact that I never utilized said card or was contacted or missed payments for so long. I never get a response describing why it wont be taken off when I dispute it or what the findings were from the investigation.
Consumer complaint received 2018-05-10
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (DE)

I had an American express green card, i called their customer service line regarding a question about my reward points. I was offered an upgrade to a platinum card by the representative. I declined the offer because of the spending terms, Then he said he could upgrade me to a gold card. I accepted. i received the card in mail. About a month later i received two statements and called American express to find out when they would be merging my green card account with my gold and they informed me i had two accounts. I said i did not want two accounts they said i can just close the green card. I advised I did not want to do that because it would negatively affect my credit rating and that is not what i agreed to do. They said I did. I filed a complaint with American Express. Then i finally got a response back 5 weeks later after several other phones calls and was told that the recording has the representative reading a disclosure to me and that means i was told i was opening a second account. I told them the representative did not explain what he was reading disclosure for, i assumed it was normal protocol for upgrading. I asked for copy of recording they refused said i have to get a subpoena and mail it to them for the recording, i asked if we could listen to call together and they said no. Then the supervisor said she could speak no longer about the situation. If American Express is going to use a recording to make a decision that affects my credit why cant i at least hear the call? I need American Express to correct my credit Bureau so i do not suffer any adverse consequences on my report.
Consumer complaint received 2023-03-25
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. (IL)

I am submitting this CFPB Complaint to dispute the inaccurate and erroneous information that has been reported on my credit report by your credit bureau. I am requesting that you correct this information as soon as possible. Upon reviewing my credit report, I have noticed that the information reported is incomplete, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws. Specifically, the following information reported on my credit report is disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00}. As a result of the inaccurate and incomplete information reported on my credit report, I have suffered significant financial harm, including denial of credit, employment opportunities, and higher interest rates on loans and credit products. Under the FCRA, I have the right to have accurate and complete information reported on my credit report. Your bureau has a duty to investigate and correct any inaccurate or incomplete information within 30 days of receiving a dispute notice.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

In XXXX on XX/XX/2019, I opened an HSBC XXXX account with a {$10000.00} deposit. I was encouraged to do this by a promotion sent to my mailbox. The promotion said that would receive a Welcome Deposit of {$350.00} if the balance stayed at {$10000.00} for 3 months. The banker, XXXX XXXX XXXX, assured me I qualified and showed me the approval on his screen. He assured me several times in the following months that the bonus was on the way. 
More than 4 months la
ter, HSBC is refusing to pay the Welcome Deposit and my banker has been less inclined to explain or return my calls. In my research on the bank, I discovered that this XXXX branch of HSBC has a history of non-payment of bonuses. The XXXX reviews include 10 1-star reviews of this branch, putting the reviews at a 1.5-star average. Many of these customers warn people that the branch doesn't honor it's bonuses and hides behind bureaucracy to keep from fulfilling its responsibility.
Consumer complaint received 2023-02-10
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. (SC)

in accordance with 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 2016-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

DCI called a few times to collect an old debt. They told me if I paid in full right at that moment they would remove the item from my credit report completely. So I paid over the phone. The item is still on my credit report and they refuse to remove it.
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Recovery, Inc. (NE)

I receive 3-4 calls a day on my cell phone from an anonymous caller, only labeled as XXXX NE. 9 out of 10 times that I answer, I hear 10 seconds worth of clicking/beeps then the call hangs up. Several weeks ago an individual said hello, asked for XXXX XXXX and stated they were with Merchants Credit Adjusters and then demanded my social security number. I refused and asked what they were calling for and she again demanded my social security number. I informed her to not call me cell phone again and hung up. My phone rang within 2 minutes from the CID XXXX NE, I did not answer. They continued to call harassing me every day. Today, XX/XX/18, I answered and after 10 seconds of clicks/beeps a woman identified herself and asked to confirm my name and address. I answered, she stated she was calling from Merchant Credit Adjusters regarding {$21000.00} in medical bills. I have never had more then a typical doctors visit. She stated there were two debts, one to Nebraska for furniture stuff?? And one to XXXX for a car?? I asked her how furniture and a car are medical debts? She rudely asked how I was going to pay today! I asked her to send me something in writing because she was not clear on what she was collecting on. She again rudely and abruptly shouted we have, you need to pay your bill. I asked if she was calling my cell phone using an automated dialer as that is a violation of the TCPA. She states they were allowed to use an automated dialer and again to pay my bill. I again told her not to call my cell phone.
Consumer complaint received 2023-02-10
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. (FL)

in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX  XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXXXXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several hard inquiries on my TransUnion credit report that I do not recognize, and have previously disputed with TransUnion to no avail. These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Specifically, one of the inquiring companies Credit Plus provided me a letter that stated they authorized the removal of the inquiry due to its fraudulent nature. This letter was sent to TransUnion on XX/XX/XXXX, but XXXX months later, TransUnion still has yet to remove it.
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: Experian Information Solutions Inc. (NY)

My family of XXXX and I had a land contract scam and must purchase a home by XXXX XXXX I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying XXXX XXXX on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing XXXX late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. Experian now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid Experian twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on Experian XXXX points and XXXX, XXXX has STILL not shown these updates! I feel as if experian lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on XXXX, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need XXXX or Experian to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (FL)

They a minium of XXXX times a day. Today XX/XX/23 they called at XXXX est. They are calling friends as well. I advised them to stop calling me more than once a day and to stop calling random people. They do not leave voicemails either. They also email more than once a day. This us unacceptable. They refuse to give me a chance to return their calls etc.
Consumer complaint received 2023-03-25
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)

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

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

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX/XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Chapter XXXX Bankruptcy
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I check my credit report and I notice there was some fraudulent account on my credit report. These companies violated my rights. How can a company furnish account on my report without notify me. that's a direct violation of the FCRA.
Consumer complaint received 2019-07-16
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

On the XXXX of XXXX, I received a pre-qualification letter so I applied. The website said it would not effect my credit score, but as soon as I pressed submit, I got an alert that my credit had dropped from a hard inquiry. I called the company and they said stuff that made no sense. I feel that the website was deceitful in their wording. They transferred me to the credit reporting department and said I needed to send in a dispute. I dont feel like I should have to jump through hoops for something that shouldnt have happened in the first place. I feel like the company used deceptive practices in order for people to apply for their loans.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (WA)

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by Hunter Warfield for the remainder balance for a service that was misrepresented and lied about in writing. I need this to be taken off of my credit report and debt forgotten.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX