davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
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. (TX)

i have reported this information. I have hard inquries on my credit report that is not me and they refuse to remove the information. the inquries on my report that need to be removed are as listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOTHING NO KNOWLEGE OF NONE OF THESE AND I WANT THEM REMOVE FROM MY ACCOUNT
Consumer complaint received 2023-04-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/22 Balance {$750.00}
Consumer complaint received 2022-06-10
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-01-30
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. (AR)

As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX  XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

there are several accounts that should have been removed and I've tried several times they just keep showing up they are not mine and no-one does a thing about it and the dates change all the time and I can't get a credit report they keep refusing me
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

About a month ago, a collection company started calling me every day abt an apartment I leased They said I owed {$2100.00} They never sent any written documents or emails, just calls They put the debt on my credit report and when I tried resolving it they wont let me do a payment plan They want to put everything on my credit card at once. 
The agent was forcefully threatening to not allow me resolve it again if I end the call to speak with my lawyer He was asking me to ask my credit card company for increased limit
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I have a synchrony bank card for Care credit. My monthly payments are due the XXXX of every month. 
I paid {$170.00} for my XX/XX/XXXX for the XX/XX/XXXX due date ( amount due was {$30.00} ). I then paid {$50.00} on XX/XX/XXXX for my XX/XX/XXXX payment ( {$30.00} due ). 
I reviews mt on line account and it showed me past due for XX/XX/XXXX and I Was charged a late fee if {$30.00}. I called Synchrony bank and was told both payments were applied to my XXXX bill That was due XX/XX/XXXX. I informed them that the payment was mis-applied. They applied the {$50.00} payment to a already satisfied due Cycle then penalized me for paying earlier by charging me a late payment of {$30.00} for paying before my XX/XX/XXXX due date. 
I feel it unfair business practices and hurts consumers that pay their financial obligations early.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My ID has been stolen more than once in the last couple of years but recently I have been Contacted about this problem by an arbitrator stating that I have a credit card open in my name and its not me.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Capstone Credit & Collection, LLC. (RI)

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a billing from Collection Agency which consisted of five different creditors under one account number which I assume they purchased and wanted to collect those funds. Immediately upon receiving the billing I responded to them with a validation request. Within 30 days after mailing that request I received one document from them for only one of the creditors. Approximately sixty days after that I received documents for two more of the creditors and a letter with those documents acknowledged receiving my initial validation request. Although unnecessary I mailed them another request for validation for the last two creditors. It has now been approximately 45 days since I sent the second validation request and they have not received anything. The way I understand it is a Collection Agency has to comply with a validation request within 30 per the Fair Debt Collection Practices Act and this Collection Agency has only complied with validation of one of the five creditors listed. I just a week ago mailed them a Cease and Desist letter and with it I did assume responsibility for the one creditor they validated within 30 days. I am preparing a follow-up letter to the collection agency to see what their intentions are. 
I am XXXX years old and retired. I receive a monthly Social Security Benefits. This company has taken a toll on me by not communicating and making me wonder what they are going to try and do next. In the Cease and Desist letter I informed them they are in violation of the Fair Debt Collections Act, Section 809 and 813. 
What do you think I should do next?
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Several years ago I signed up for a monthly automatic withdrawal contribution for XXXX. Apparently the fund raising arm of XXXX is the XXXX XXXX XXXX. I lost my job in XX/XX/2018 and have been trying to cancel this auto contribution ever since. XXXX says they have nothing to do with the XXXX group. I have called, emailed, left messages for 6 months with the XXXX XXXX requesting they stop this auto withdrawal but to no avail. I have contacted my bank and asked them to deny this auto withdrawal and was told that since I used my debit card there is nothing they can do except cancel my debit card and issue me a new one. That's not going to happen as I have many auto withdrawals associate with this debit card. 

I am angry & upset. I believe that XXXX is a reputable organization and want to continue to support them by my membership and perhaps again by my monthly contribution once my fiancees get turned around. However this XXXXXXXX XXXX XXXX   needs to be investigated. They are collecting money from senior citizens that may no longer be able to afford the contribution. It is a disgrace. Please investigate them.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear XXXX  Previous XXXX  complaint id # XXXX has been solved. On XX/XX/2023 after I uploaded my court orders into the XXXX system Equifax corrected the problem on that issue. 

However, XXXX, there is a new issue that Equifax refuses to correct. I am unable to create an My.Equifax.com account. 

My account come up as a no hit meaning my file can not be located or seen. 

The reason I am approaching this issue with the XXXX, is because Equifax has refused to fix the issue. 

I called into equifax 2 days ago ; and the Equifax agent XXXX XXXX asked me to resend my court orders again. XXXX XXXX XXXX said he will call me back inside if 24 hours. XXXX XXXX never called back. 

XXXX, I will be loading documents on this platform for Equifax to view. 

I ask the Equifax remove the blue tag from my file and allow me to see my file using My.Equifax.com Everytime I call into Equifax, they ask me for the same exact documents everytime. It appears their departments are not communicating with one another properly. 

As my file is coming up as no hit across all platforms It is impairing my ability to be validated on other platforms such as SSA.GOV and has impacted me severely in many aspects. 

XXXX, I would like to have access to my file on My.Equifax.com enclosed are documents necessary to validate me. please see attachments and ask Equifax to lift all restrictions on my account. 

Thank you.
Consumer complaint received 2021-12-05
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. (GA)

AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM XXXX YEARS AGO AND NONE OF THE BIG XXXX WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE XXXX COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT XXXX SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report on an app I have and I received a deletion from XXXX XXXX, yet TransUnion and XXXX  is still reflecting a derogatory account under my name I would like this deletion removed as stated In the fcra Please see documents they sent to notify of the deletion Thank you Sincerely XXXX XXXX
Consumer complaint received 2018-04-08
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: EQUIFAX, INC. (NY)

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX  also there are addresses listed on my XXXX report and equifax report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also equifax is not reporting my job which I have been with since XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of domestic XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Consumer complaint received 2021-04-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

I bank with XXXX, the scammer said they banked with XXXX XXXX XXXX and we should use XXXX. 

On XX/XX/18 at XXXX MST, I sent {$300.00} to XXXX XXXX XXXX an account under the name of XXXX . The phone number associated with the account is XXXX. I sent the money in exchange for football tickets. 

I contacted XXXX within 40 minutes of initiating the transfer as it was and is still pending. I was hoping they could reverse the transaction. They said they would file a complaint and that's all they could do. They did not tell me I would get my money back or if I would lose it. 

I contacted XXXX through their online form and told them the exact same thing. I received an email from them saying someone would get back to me within 2 business days.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

hi im XXXX XXXX discover charge me unnecessary fee on my credit card i try to make a payment the payment was successful after they charge me unknown fee now i need to take a loan i cant because they make bad report on my credit i need help soon as possible my number is XXXX
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

I had an auto loan with US Bank and the vehicle was totaled back XXXX. XXXX XXXX issued a check for {$29000.00} to US Bank on XX/XX/2019, so I thought the loan had been paid off. In late XXXX I receive a statement from USB that my payment was late. I contacted USB and was told they never received the payment. I called XXXX and they cancelled the first check and sent another one. In XXXX I receive a statement showing the loan still outstanding and now I owed 2 month of payments. They also reported me 60 days late with the bureaus. This time I called XXXX first. They contacted USB and was told the 2nd check was never received. I called USB to inquire on why they keep losing the checks. I was told that the check had to go to the loss claim department so I let XXXX know and they issued a 3rd check on XX/XX/2019. They told XXXX that they would reduce the loan to the original payoff and report to the bureaus to correct my payment history to not reflect the late payment. I received a notice from USB on XX/XX/XXXX that they reported me late to the bureaus again. I decided to dispute with the bureaus and just learned that USB claimed the payment history is correct. None of this was my fault and they have hit my credit score by about 100 points  and I'm furious about it. US Bank is run by incompetents!
Consumer complaint received 2021-12-05
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)

AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM 7 YEARS AGO AND NONE OF THE BIG 3 WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE 3 COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT 20 SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

While paying for groceries at our local XXXX store the cashier asked if we would like a Walmart card we said no and she said we would get {$25.00} off our bill for signing up and we could cancel if we decided we did not want it.We were paying cash and spending close to {$200.00} so my husband said ok and started giving her the information she needed. I really did not want him to get it and told him but he was paying with his cash so I backed off. This is why I remember this incedent. So when he paid the cash he looked at the receipt and the {$25.00} discount was not on it. She said oh it will come off when we get the card on the next bill, he said that's if I use it, I signed up because I thought it come off this bill, so we left a little upset because we felted miss led. This was last summer I'm guessing around XXXX or XXXX, then forgetting about the incedent we got the Walmart card  and the statement in the mail and when he looked at he said how can we owe this when it just came in the mail? The bill was over a XXXX dollars and I said that's crazy I think they charged us what we paid cash for. No {$25.00} discount was on the statement. So he called them and they wanted proof and frankly never believed us. I started looking for the receipt and I must have thrown it out. So without that we don't have solid proof, so when we asked them for proof of our purchases all they said was they would check into it. From then on it seemed the burden was on as and frankly I feel they ripped us off and they have not shown us proof of purchases yet they say we are uncooperative. We do not want the card asked them to cancel it. They said after investigating they felt we still owed it. That is rediculus. How could we charge anything when it wasn't issued yet and where did the cash go - in someone's pocket. This is exactly why I hate credit cards. We do not owe this and XXXX has lost my affection and respect they are just another ripoff retailer.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

The denial of my credit applications on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Discover >Recent delinquency shown on credit file >Serious delinquency, settlement, bankruptcy, lien or garnishment The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Discover has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Discover Underwriter on XX/XX/2023 to correct these errors.