davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavors 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} {$1700.00} XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance XXXX : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$50.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX Balance Owed : {$1700.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-09
Product: Credit reporting 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 2022-12-15
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. (GA)

-- -Wrong employment and home address EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -Showing balance but supposed to be closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShowing balance but supposed to be closed. 
XXXX XXXX  XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed -- -Showing duplicate loans from XXXX different departments. 
XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX school loans closed but showing a balance. 
-- -They started my time over, the loans should of fell off my report. 
Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I made a deposit via ATM for {$500.00} cash at the instruction of a bank employee on Saturday XX/XX/XXXX. The atm did not record the deposit properly and jammed. We were only credited {$240.00}. I called the bank immediately and was assured the atm counts everything and my {$500.00} posted. This was not the case. I contacted the bank again on Monday and was told it was sent to another department to investigate. After speaking with multiple people in the call center over several phone calls I went into a local branch for assistance. They also were unable to help me and referred me back to the call center. On Friday I requested someone from the dept investigating this contact me and was assured I would receive a call Monday. I did not receive a call. I received a letter stating Wells Fargo is only crediting {$240.00} of my {$500.00} deposit. I have also requested on 2 occasions that they pull the cameras from the atm as I counted it prior to deposit and was denied. I have also been brushed off when inquiring about filing a complaint with management. This account is a joint account with my XXXX XXXX. This is her money she earned at her summer job and we are getting no assistance when this was Wells Fargos error and broken ATM machine.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I checked my account credit limit on the XXXX. I found out that Synchrony Bank took my available cash that I paid on my account, kept it, then lowered my credit limit after I had been a customer for 10 yrs with Amazon! I never paid them late, I paid earlier than my due date and I sometimes paid more than the minimum. I paid this particular account 3 times in XXXX ; {$39.00} on the XXXX ( which was more ) ; {$500.00} on the XXXX and {$50.00} on the XXXX. My available credit limit was {$700.00} and rather than applaud my payments or offer me a credit line increase, they took my money, essentially stealing it from me and lowered my credit limit. I could understand their concern if I paid them haphazardly or didn't pay any attention to due dates but that was not the case. And this is how I have paid them consistently for 10 years! I am flabbergasted and incensed! Now comes the part that is definitely egregious ... .the customer service of the staff there is very unprofessional and not conducive with the Amazon branding of a smile. While Amazon is dedicated to helping their customers, this company acts as if they are bill collectors ... .I was placed on hold for 20 minutes, hung up on and finally told by a manager that they could review my Jcpenney account and do the same thing to it. And my account could quite possibly be closed altogether! After 10 YEARS!
Consumer complaint received 2019-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NY)

Between XXXX i was employed with my former employer i did make visit at the urgent care department at the medical center for an related pain in my right. I did provided my insurance information to them asked several time i was here to be seems by URGENT CARE I don't know really happen and within that time my employer did change their medical service provider like that to another medical service provider.When i contacted my employer the told me that the contacted the hospital and was still waiting to hear from them. I did called the hospital and told them what happen but after two to three months i received a called saying i owned fees for the urgent care service which is {$690.00}. 
Moreover i did called the hospital and told them to contact my employer but i don't know if the did until i found out that the payment was place with an collector company.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MI)

The LVNVfunding LLC.. Took me to court without properly notifying me.. All they seek to garnishes my state taxes.. which is illegal ... This is not a federally funded company or A State government organization.. They illegally but not limited too.. harrassment and threats of blocking my social security number.. the debit is not a federal debt for school or child support etc.. Its almost 4yrs old..
Consumer complaint received 2020-02-16
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)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX  XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I have deposited XXXX checks via mobile app several times in the past. These checks are reimbursement from my employer, who is a XXXX XXXX company. The money was always in my account by end of day. NOW! Chime is advising that the money is on hold because they want to make sure the check doesnt bounce. Are you kidding me ( when I asked them to cancel the transaction, they decline my demand and say the check has been processed. Something is very off about this process and after readying the complaints about chime keeping peoples money, Im very skeptical.
Consumer complaint received 2021-04-16
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)

My wallet was stolen several yrs ago in which I only replaced my ID and social but did not report it stolen. I replaced bank/credit card. I did not know that having those things stolen would affect my credit if I blocked my credit cards. I have reached out to all 3 credit bureaus numerous times as well as the creditors and no help with anything on my Experian report there are 3 items that are not mine which are : XX/XX/XXXX XXXX XXXX for {$2600.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX  for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item for my XXXX  reporting there are 2 accounts that are reporting on my credit report that are not mine and 8 inquiries that are not mine which are : XXXX XXXX, XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX XXXX XXXX XXXX  XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item for my XXXX report there are 2 accounts that are not mine and 8 inquiries that are not mine which are : XX/XX/XXXX XXXX XXXX XXXX for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX, XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item all of these things should be removed from my reports and blocked
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( XXXX ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the Credit Reporting act Credit Collection 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-16
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. (FL)

XXXX  continues to report negative fraudulent information on my credit report that does not belong to me, Transunion as well. I have submitted numerous complaints to no avail. They are in violation of the FCRA.
Consumer complaint received 2020-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law.

Bank of America is knowingly reporting false information to XXXX. This inquiry is NOT MINE, nor was it authorized by me, and Bank of America has failed to verify it. 

Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted Bank of America and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : Bank of America Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed immediately.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services (NY)

Ive enrolled in United Credit Education Services for credit repair in XX/XX/2019, they have charged my account every month to provide credit repair .I have yet to see any changes and I am dissatisfied with what services they provided. They mislead me and are continuing to charge my account for unrelieved services. I no longer want to continue with this company.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I have submitted several attempts to ask credit bureaus to fix a simple with an account with XXXX XXXX. They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I had my identity compromised, LNVN collection agency would not hear me after I told them the debt was not mine. Filed an identity theft report with the police and FTC. They continued to call and harass me and threaten me. They called my job told my boss and coworkers about the debt that wasn't mine. Threatened my XXXX mother by phone that lives two hours from me. And have put a judgement on me and won't stop after I filed everything out for them to prove it wasn't my debt. I'm tired this has been going on for two years! I've had to change my number and my mothers.
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (NJ)

I applied for a loan through  XXXX .  Them the y said they were going to send my request to many lenders but they only sent it to one which was  XXXX . They are predatory lenders. I did n't sign any agreement with them but they are constantly calling and sending emails trying to get me to sign a loan for 774 % .I am not very educated but do know that in know way is this a legitimate way to borrow money. I would be better off going to a loan shark. Something needs to be done about these predatory lenders.