davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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)

I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I am trying to remove a credit freeze from Experian. 

On XX/XX/XXXX, I spent hours trying to work with the website and the consumer telephone number. The website would not accept my information and referred me to a telephone number with recorded options -- but not an option to remove the credit freeze. The telephone recording referred me back to the website which, as I said, would not accept my information. 

I emailed Experian, explaining the problem, and got an email back saying a representative would call me. 

To date, no representative has called. 

I'm applying to refinance my home. The mortgage lender requires information from all three credit reporting agencies in order to make the loan.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC (ND)

I received a call today that a payday loan was taken out in XX/XX/2015 and they are suing for payment..they said XXXX Montana where I live and I dont they said store number XXXX they dont know where its at .. lady was calling from XXXX Texas.. for information how to serve me they gave an account number XXXX QCHoldings never heard from them ever Phone number they call from XXXX she said they need to hurry up and sue because time runs out Shes been trying to use a bank account that is not correct to take money out of
Consumer complaint received 2018-08-08
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: U.S. BANCORP (MI)

On XX/XX/XXXX of 2017 I received a hard inquiry from XXXX XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not authorize the creation of these accounts, and I am certain they are fraudulent. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my position.
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX  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 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

Ive been trying to use my XXXXXXXX XXXX card all morning today XXXX to no avail. I called customer service XXXX  times, and I found the number for executive office. Nobody could help me. They said in order to verify my account they have to send a letter to my house that takes 7-10 business days. What the XXXX is that? I need to use my account today. You have all my info. Name. Date of birth. Number. Social. How is sending a letter to my house going to verify anything? I would like for the Consumer Financial Protection Bureau to publish this so people know Citi is horrible as a bank and wont even let you use your own card.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Upon reviewing my credit report I noticed 17 suspicious inquiries. This is a violation of the FCRA section 1681b ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize anyone employees by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I believe I was a victim of SIM swapping based on the nature of my incident. My Bank of America account was depleted of over {$15000.00} while I was recovering from a serious case of XX/XX/XXXXand in the hospital for 10 days. Incapable of using my phone let alone make purchases of the amounts made on my account. I noticed the fraud when I attempted to make a purchase using my XXXX account which is linked to my bank for a few hundred dollars and being informed it was declined. I then went and looked at my online banking with B of A and noticed a charge the week prior for {$7600.00} and another one that day for the same amount. Not including international charges close to another {$500.00} from a company in the XXXX called XXXXXX/XX/XXXX. When I looked it up it turned out to be from XXXX. Apparently my money was used to purchase some kind of XXXX. I emailed the contact from their website and informed them of what happened and filed a dispute with BANK OF AMERICA on XX/XX/XXXX. They said they had to investigate and would get back to me. Today is the XXXX and I just received an email from the XXXX people saying they were sorry and couldnt help me. I am broke and just got out of the hospital and B of A Is investigating a claim for XX/XX/XXXX which I was under the notion wasnt even legal to but with US banks. If they deny my claim that is all of my unemployment money I have and everything i have saved. It will destroy me. Please help make sure I get my money back.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Sent in a dispute letter to Experian that was received by them on,XX/XX/XXXX. Got an update regarding my bankruptcy stating That the date was verified, and it remains on my report. I called Experian today on XX/XX/XXXX and  spoke to XXXX, Experian employee, explained to him that the dates were wrong. He said they were accurate from the third party that they use, could not give me the third party information, or who he spoke to. Said its a lot of companies they pull information from, asked him for all the numbers, said he does not know the numbers. Dont think its right that they verify information from anyone and not able to tell me who they got it from so I may call them and speak to them regarding the wrong date on my bankruptcy. Please advise this happens all the time.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

My card where my social security benefits go onto had expired. I charged XXXX cents at the atm to find that out. Then I called to find out where my new card was and was hold over 45 min. The guy said he didn't know what happened and they could expedite a card out in 2 days and charge me {$13.00}. I said I should not have to pay for a updated unexpired card to be shipped. Then I said I want it to be waived and he said he would transfer me. Then he just put me back in the line and I waited another 45 min to have a girl say they cant waive the fee. So she canceled the card then re issued it and I got a additional {$13.00} fee and a {$4.00} fee and {$1.00} fee. Why I have no idea. Then I called the next day on hold for a hour then the lady said she would have to put a request for the funds to be returned and nothing came of it. Then I said I was suppose to get a tracking number to see where my new card was. I never got one. So again I waited on hold for a hour only to have someone answer then drop the call. Called back again again waited 45 min got a girl on the phone said she would have to transfer me back on hold as we speak its been 35 mins. I got the number to file a complaint said they would escalate it and I would get a call back in 24 hours no call. called the complaint number again and this time told me 3 - 5 business days to get a call back no one ever called. Well I finally got the card and now I had automatic fees hit my bank account and late fees. Went to activate the card and had to wait on hold over a hour just to tell me I would have to put the numbers in instead of my ssn no where anywhere on the card paperwork did it even say that. I'm on hold currently trying to talk to someone about the fees on my card
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (TN)

Have attempted twice online via Experian 's site to get items removed from my credit report that should no longer be reporting. I included the additional documentation attached however it seems Experian has no record of my dispute. My attached credit Report Number XXXX states that trade lines XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are on record until XX/XX/XXXX. These tradelines are still reported as of XX/XX/XXXX which is past the FCRA statute of limitations. See attached screenshots which hilghlight the tradeline " On Record Until '' date. Please remove these tradelines immediately. In addition Experian stated my dispute of my Affirm account status of account XXXX was confirmed correct ; however this is impossible as the account has been paid off since XX/XX/XXXX. I seems that Experian is not truly investigating credit report disputes or Affirm is not properly reporting ; both of which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-10-18
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. (UT)

XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX, TransUnion has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6600.00} XXXXXXXX  XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a XXXX $ payment through XXXX from a tenant on XX/XX/2022 to my Truist Bank Account. ( Formerly Suntrust Bank ). 
The payment was received by the bank and shows in the online banking with a confirmation number, however, the bank failed to deposit the funds into my account. ( I am attaching to this request the screenshot of the online banking showing the payment with status completed and therefore proof that the bank received the funds and a reference number ) I have been a loyal Suntrust Customer for years and never had any issues with Suntrust Bank, but this month they merged with another bank and changed the name to Truist. 

After waiting on hold hours at a time I was finally able to get in touch with their customer service. 

They indicated that I needed to contact XXXX and when I called XXXX they told me that I needed to call the bank. So both the Bank and XXXX elude the responsability. 

Neither of them XXXX or the bank have taken responsability or given me any explanation. I demanded an investigation at the bank as to where are my funds. 

I reserve the right to go to small claims court to recover the missing funds and remedies for the time and effort this situation has caused me.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

In approximately XXXX of 2021, I went to XXXX XXXX XXXX located in XXXX XXXX, Ohio. I ordered a Money Order for the value of {$1000.00}. Later, when the cashier tried to scan the Money Order to cash it, the system kept saying that there was an error and the scanner couldn't scan the money order. The interesting part is that the money order was purchased and then we attempted to cash it within the same 3-4 period. Therefore, it doesn't make sense that it couldn't have been refunded or cashed because there were only a couple days difference between purchase date and attempted cashing date.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Northstar Location Services, LLC (AZ)

This collection agency is calling my BUSINESS number looking for a family member. They are also calling before XXXX XXXX. Number 1, illegal to harass family members and question them, number 2, illegal to call that time of the morning. RUDE, threatening, just disgusting behavior. I have reported them to local autholrities and I have blocked their number.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, Tran Union and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

Alpine Credit Inc is refusing to remove false information from my credit report. They've stated that they are not willing to investigate the matter and don't need to because I haven't " proven '' anything. My insurance company and I contacted XXXX XXXX XXXX XXXX XXXX ( who illegally hired a debt collector to collect the debt on behalf of XXXX XXXX XXXX ) to tell them that they billed the insurance company incorrectly. The inane lady who answered, XXXX, refused to take any blame by writing the situation off as " I don't know how this happened, it just seems strange to me because all the other claims were accepted but not this one '' instead of admitting someone in her office keyed in the wrong member ID which resulted in a denied claim, who knows it was probably XXXX who gave the wrong information to the insurance company but won't admit it. A year later they are trying to collect on a debt that I don't owe and are reporting that I owe a balance of {$330.00} all because they couldn't get the insurance company to pay out the claim due to providing the wrong information to them. This is called passing the buck and they are in violation of FCRA for reporting false and innacurate information to my credit buraeus. 

Please see the attachments below that show when the medical company tried to bill the insurance company and make note of the member ID number they listed for me and compare it against the member ID of my insurance card as proof they wrote down the wrong information.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (LA)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sezzle Inc. (MO)

A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give. 

According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. 

This alleged debt was also in litigation and was released. 

I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.