davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 n 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 n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help
Consumer complaint received 2019-08-07
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. (MD)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX XXXX XXXX have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.
Consumer complaint received 2017-06-25
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: Credit Plus Inc (TN)

I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.
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. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have recently reviewed a copy of my credit report. currently someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family Please remove unauthorized inquiries from my credit report As soon as possible Please see attached.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MT)

On XX/XX/XXXX, I accidentally sent money with XXXX to Elan Card Member Service instead of my XXXX XXXXXXXX card. The payment was {$1500.00}. I noticed the error on XX/XX/XXXX. I immediately called Elan @ XXXX to correct the payment. I visited with XXXX. She saw the credit on the card and said she would begin the process to return the payment to XXXX. She said it would take just a couple of days. I did not receive the credit back so I called XXXX on the XXXX XXXX. I was on hold for over 2 hours to talk to a representative. Just to have them tell me they could do nothing to help me to get my funds returned. So I again called Elan. XXXX told me there was nothing she could do. I would have to wait 19 days for an investigation to see if they would return my funds. I do not have a balance on this card. They have a credit for the amount sent. I asked how they could keep my money when they knew it was sent in error. She said it wasn't her problem. I would have to talk to a different department and she hung up on me. So I tried to file a dispute with XXXX XXXX XXXX XXXX  to help me receive my funds. They denied my dispute. It is now the XXXX of XXXX and I still have no idea if or when I can expect to receive my funds.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi Bank of America is closing my account for no reason and they told Im unable to receive my funds. During the time my account was in process was being closed I was told by a BOA rep that I will be able to get my money from the branch. After I spoke to the rep I notice my account was getting charged by XXXX totally up to over 2,000 in fraud. The rep told me my account was froze but the person was still able to transfer money from my account using my account number. Its been over a month and have not received an affidavit for the fraudulent ach transfer and havent received the rest my money. Im a college student renting a room and now cant afford to pay my rent. Please help me resolve this. Thank you
Consumer complaint received 2019-04-30
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. (CA)

this is my second attempt to write to consumer protection bureau, i have been a victim of ID theft and three unfortunate accounts were opened under my name with out my knowledge, i have attached my police report due to that matter, please help me in this issue, i do not know where else to turn to, you are my last hope, if i had the money i would have definitely hired a lawyer to resolve this issue, but unfortunately i do not, please i would greatly appreciate you help thank you
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (MS)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (GA)

Hello, On XXXX, XXXX 2021 I received my redemption code from Blackhawk for my Visible/XXXX Mobile promotion Mastercard of {$300.00}. WhenI attempt to visit My Prepaid Center https : //www.myprepaidcenter.com  and enter the redemption code, I receive the following message. " Oops. There's an error on our side. Please try again soon ''.

I have attempted to contact customer service via the following phone number, Mastercard cardholders : XXXX in the U.S. However, I was advised that they are unable to assist with the redemption code over the phone. 

Can someone please help? Thank you.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (CA)

I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. 

I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX discharge ref # XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2022-01-26
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. (MA)

Dear XXXX/TransunionXXXX ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXX*Multiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Consumer complaint received 2021-05-17
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: CREDIT ACCEPTANCE CORPORATION (IL)

I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. Credit Acceptance Co out of Michigan has the propensity to berate under served customers and communities per the XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I received a notification on XX/XX/2019 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.
Consumer complaint received 2021-05-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have been receiving emails from someone from Ace Cash Services. 
Their email address is XXXX. 

One email states the original loan was for XXXX. The settlement amount is XXXX The Customer ID is XXXX File # : XXXX XXXX The loan was signed via my email address. My SSN will be placed on hold by the United States. Legal action will be taken against me. Court fees will be XXXX To resolve the debt I need to contact : Department of Law and Enforcement ( Ace Cash Services ) between the hrs. of XXXX and XXXXXXXX ( EST ) A different email states the loan was taken out online on XX/XX/2015 for XXXX. Loan signed with my email address. They state in a different email that my computers IP address was traced when signing the online contract. 
These online applications are to be secure by the loan companies.
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (OK)

Correct insurance was provided to the hospital. The hospital used expired insurance instead and we were never informed about it. We monitor our medical claims and nothing came through medical claims and we were unaware. Suddenly this collection claim showed up on the credit report ( claim amount = {$2400.00} ). Once we investigated we found out that the charge was incorrect since insurance was never used. If insurance is used this amount will decrease by 80 % or more.

We contacted collection company on XX/XX/XXXX and they advised us to call back in two weeks. We called them today ( XX/XX/XXXX ) and their agent with very hostile attitude responded. She wouldn't let me talk. She promised to contact us when the correct amount is settled or if they have question but no estimate was provided. I asked if they will fix the credit report since the charged amount is incorrect due to hospital not using the provided insurance they said it will be at the discretion of her manager. If it is incorrect charge they should fix it as they claim to report correct information, which is the case here.

In summary, the charged amount is incorrect and we didn't know about it since insurance claim was not filed. Now they are being rude and instead of trying to help they are ignoring the fact that it is their fault to begin with. We are requesting them to process correct insurance as they should have to begin with and remove it from credit report since it is their fault.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

DEAR PORTFOLIO RECOVERY ASSOCIATES OR XXXX XXXXXXXX ACCOUNTS ; YOU FAILED TO RESPOND AND YOU ARE REPORTING XXXX FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER HAD ANY PRIOR RELATIONSHIP WITH YOUR COMPANY OR ANY OF YOUR AFFILIATES. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act convergent accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX ser acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 at XXXX someone swapped my SIM card out at a XXXX store in New York. They then logged into my Citibank account information while using my cell phone to use two-factor authentication. Whoever did this did cash advances on both my credit cards through Citibank online banking, transferred the money into my checking account and wire transferred it out. They also wire transferred money from both of my savings accounts with Citibank. From one account it was {$1700.00}, from another account it was {$4200.00}, and from another account it was {$10000.00}. The grand total was {$15000.00}