davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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. (NY)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-18
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 have repeatedly for years now called, mailed, and electronically sent the Information required to remove these fraudulent items from my Credit report. Ive sent police reports, FTC.gov reports, etc. My calls have been sent overseas, and hung up on repeatedly. This must stop. The should be held accountable
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance XXXX {$83.00} XXXX XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-13
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. (TX)

The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts
Consumer complaint received 2020-12-18
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. (NV)

On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of one XXXX so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged XXXXXXXXon my Capital One credit card on XX/XX/2020 from a luxury clothing company XXXX in XXXX XXXX XXXXXXXX XXXX The second I got the email I called my cards fraud department immediately. It couldn't have been more than ten minutes after the charge was made. I was credited with the amount and an investigation was launched. 

On XX/XX/XXXX the charge was posted and deem a valid charge. The courier serviced used by the retailer claimed it was delivered to my apartment. The person who signed was not the doorman or anyone in my house hold. Capital One says there is nothing they can do in this instance. 

I am now out of a significant amount of money and now have no fight and launch an investigation of my own which may not even lead to any results and waste hours of life. I feel like I was just thrown out in the cold by Capital One and left to fend for myself.
Consumer complaint received 2020-02-09
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. (AL)

I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XX/XX/XXXX by XXXX   XXXX. Then XXXX XXXX which was deleted. However the DOFD was XXXX XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XX/XX/XXXX. I have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to XXXX XXXX   XXXX to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then XXXX has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, XXXX and Experian several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from XXXX and Experian is verified. This has not been investigated, or corrected.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (IL)

Chime bank let my ex girlfriend send in Fraudulent documents change my mobile phone number to my account and withdraw funds out of my account amount up to {$3500.00} when I asked him to view the video footage atm the investigators told me no & their decision was final. I was XXXX doing the whole time these transactions were taken place I even present a document showing my XXXX  and my claim was still denied
Consumer complaint received 2016-03-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an " Escalation Manager '' who said that I " probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that " it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further.
Consumer complaint received 2022-10-19
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: CREDIT ACCEPTANCE CORPORATION (MD)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-10-19
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: The Receivable Management Services LLC (MD)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (TX)

Ive sent out numerous disputes to XXXX and ARS - Advanced Resolution Services about this Bankruptcy on my credit file. I also sent them the letter from the United States Bankruptcy Court included attached to this complaint to your company.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (FL)

Equifax ( XXXX ) is reporting these false inquires identity theft fraud on my account please remove of report asap please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX  XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge 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: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/year> I picked up a rental car at XXXX in XXXX, MA. XXXX XXXX made the reservation and was shown on statement as responsible for the bill as their insured had damaged my car. I have attached documents showing XXXX made the reservation, stated they would pay direct or reimburse, and the XXXX bill shows XXXX as the " bill to '' party. 
Enterprise insisted on a credit card from me " ONLY TO COVER GASOLINE, TOLLS '' as it was clear XXXX was paying all charges including insurance. I was surprised to see a credit card charge appear a month later for {$550.00}. I called XXXX and XXXX told me XXXX only paid {$290.00} and I had to pay the rest. I never received any bill for the so-called " rest '', I never authorized use of my card ; it was clear with XXXX I gave the card only for gasoline and tolls if necessary. I asked her to contact XXXX for payment and refund me. She refused. It was easy for her to simply keep my money. 
Both XXXX of XXXX and XXXX XXXX at XXXX have refused to talk with me. XXXX has even refused to show me a bill justifying the {$550.00}. [ I assume for the additional rental days as my car was not ready on the anticipated Friday pickup ]. 
I contacted Citizens Bank XXXX to dispute this unauthorized charge on XX/XX/year>. They have made it impossible to deal with them over the last 8 months. Their customer service attendant will not allow the customer to speak to the dispute dept. they relay messages. I was given a claim number 3 times. The first 2 claims were " lost ''. 
claim XXXX XXXX XXXX I was directed to submit documents by email ( or snail mail ). NONE of my emails were ever acknowledged! Numerous phone calls led to nothing. I received XXXX letter asking for documentation, another saying I had won the dispute and then a month later another letter saying it was reversed. They showed me a copy of the XXXX contract as proof. It was the same contract I had to them! And it showed the " bill to XXXX '' instructions. 
Citizens obstructs at every point in the process making it impossible to communicate. The customer can only leave messages with the customer service person. The form letters that arrive much later in the mail do not address the issues. A simple denial without investigation. 
My credit card was used without my permission, a bill was not presented for the {$550.00}, XXXX will not rectify this nor even talk to me. 
XXXX will not pay the bill nor reimburse me, despite written promises to do so. 
Citizens XXXX has done everything to obstruct my bona fide attempts to dispute this unauthorized use of my card.
Consumer complaint received 2020-12-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Guild Holdings Company (CA)

I have a dept of {$1000.00} own my credit report was unauthorized by me and I had no knowledge of. I filed a deed and Leau in 2017. The original loan was with XXXX XXXX  XXXX. I was sold to Guild Mortgage Company. 

Guild Mortgage Company Attn : Customer Service Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I contact XXXX, NJ a service mortgage company in NJ that will not own up to putting own my credit report. I was never contacted by mail or anything. This is a unauthorized impact own my credit score.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (CA)

in XX/XX/XXXX, i owned a property located at XXXX XXXX, XXXX, OH. at the time, tenants were renting the units. all tenants had utilities put in their name. apparently in XX/XX/XXXX, 2 tenants moved out without paying their XXXX XXXX bills. when XXXX couldnt get the bills satisfied, they sent the debt to Helvey & Assoc located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX as part of XXXX collection process, they also sent two addresses that they had on file so that Helvey could reach out to me by mail to start the 45 day inquiry process. however, the addresses that Helvey has reported to me as of XX/XX/XXXX that they say were given to them by XXXX, do not match with any addresses i have ever been associated with. I NEVER RECIEVED any mail then that i was even in collections. it wanst until XX/XX/XXXX, ( when i was in the process of refinancing that I discovered the 2 collections. I promptly Helvey and paid them off. i thought at the time they would also be removed from my credit when i did pay them. additionally on the call on XX/XX/XXXX, it was also discovered that Helvey did have my correct cell phone. however, on a recorded line, i was informed that they never tried that cell to reach out to me to give me a chance to settle the debt prior to them reporting to the credit agencies. so in the end, XXXX gave Helvey 2 incorrect addresses that i have no idea about and have never been associated with. and a correct phone number that they never tried me on. so in the end, i was never given a a chance to pay this off within the 45 day period. if i would have known about this during that period, certainly would have paid it off.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

Across all three credit reporting agencies all my info is different not matching I m requesting that they put the right information down ( 15usc 16181 ( b ) a2 as they suppose to All match. Also the addresses I disputed still on there and charge offs this is absurd