davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2021-08-29
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. (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I do not live at the addresses on my credit report. Most of the addresses listed I never lived at. Also listed on each report are telephone number I have never been associated with my only telephone number is XXXX XXXX XXXX. Also this is my current and only address XXXX XXXX XXXX XXXX XXXX. all of the other addresses and telephone numbers listed on my report is fraud please remove
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-03-15
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 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 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 us 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX XXXX I spoke with a representative stating that she would reduce the past due charge of {$20.00} leaving a balance of {$18.00}. On the above date I forwarded a check # XXXX in the amount of {$18.00} and was assured the account would be closed. Today, I received a statement dated XX/XX/2022 showing a balance of {$44.00} with a past due amount of {$5.00} and total due of {$25.00}. Either this company is incompetent or they are trying to scam.
Consumer complaint received 2024-03-11
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. (TN)

My credit integrity seems compromised due to your failure to remove certain inquiry, despite submission of an FTC report XXXX XXXX. Upon reviewing my updated personal credit report, it has come to my attention that an unauthorized credit inquiry persists. Despite my efforts in contacting the responsible company to eliminate this inquiry from my credit profile, action has yet to be taken. Previously, I had requested an investigation into the specific inquiry listed on my Equifax credit report to ascertain its authorization. Now, with the investigation concluded and my claim validated, I urge the removal of this inquiry. Additionally, I request an updated copy of my credit report, confirming the deletion of this inquiry, to be sent to my provided address. Accompanying this request is a new FTC report XXXX XXXXXXXX for the inquiry 's removal, specifically targeting the entry : EQUIFAX : XXXX XXXX. According to the Fair Credit Reporting Act Section 605B ( a ), there is an obligation to eliminate any entries initiated without my knowledge, consent, or authority within four business days, contingent upon ( 1 ) proper verification of my identity; ( 2 ) receipt of an identity theft report ; ( 3 ) my identification of the disputed information; and ( 4 ) my statement clarifying the absence of any transactions authorized or initiated by me related to this inquiry.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SoLo Funds Inc. (IN)

I have been using the SoLo Funds app to lend money, but I am currently unable to withdraw any funds from my SoLo wallet. This issue began over a month ago, and it has affected the entire user base. SoLo Funds has informed us that the problem is due to an issue with a recent update they rolled out. However, they have not provided any timeline for when the issue will be resolved, leaving us uncertain about the status of our funds.
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan of XXXX XXXX, Ms Calls my Job 6 times Everyday and Call my Phone 20 times a day and Calling other people that I put as a Reference after I told them I will get my loan Payments caught up. And also calling from one other number!! 
When amswer just be so Rude and Talking to me like I am a child!! 
I will not get with this loan company again!!
Consumer complaint received 2022-03-15
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. (CT)

XXXX used deceptive sales practices to coerce a purchase from me of a timeshare membership. It was NOT Real Estate. It was a membership to use vacation facilities. I approached XXXX with a formal legal contract dispute and affidavit placing the membership under dispute and asking for the contract to be nullified due to verbal misrepresentation and material devaluing. XXXX did cancel the timeshare but under the rules of the Fair Credit Reporting Act, they illegally damaged our credit on Experian. Instead of marking the account disputed or erasing the fraudulently induced purchase from our record completely, they have marked the account as volunteer surrender which has astronomically lowered our score and we have been unable to qualify for a home loan. We have approached XXXX and they have refused to change it. We went through the legal credit dispute process with Experian, but they refuse to investigate our concerns appropriately or thoroughly and instead they sided with XXXX verification and left the derogatory marks on our credit reports.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I dont when my Truist mobile banking app kept kicking me out of my account, but friday XX/XX/2022 I finally got it fixed and it was working for a full XXXX hours. The next morning it kicked me out my account again, but I knew I could fix it by going to the truist bank and talk to a teller. But I knew I had money in the account so I decided to renew my XXXX XXXX but my card declined. So I called truist and tried to check my balance but it was telling it couldnt be verified. So I go to the bank and they tell me my account is on hold because of a mobile deposit that I didnt make. I dont know how someone got my information.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used my Bank of America XXXX XXXX card to book travel for 3 people through the Bank of America XXXX XXXX. Travel dates were in XX/XX/XXXX and travel could not be completed due to Pandemic. 

I was told by the Bank of America XXXX XXXX that I could use the credit toward a future flight with the same airline. I was also told later that I could have the amount fully refunded per the XXXX 's policy. 

However, since the pandemic Bank of America has kept their XXXX XXXX completely understaffed and every call to try to use the credit winds up in 3-5 hour wait. There is no option to use the credit online. 

After many calls, I was able to use a small amount of the credit on one out of 3 tickets to book travel back in XXXX and I was told i could use the remainder of that credit at a later date and that the two other tickets could still be used in full or refunded. This is shown in Bank of America XXXX XXXX XXXX notes as verified by multiple agents yet they have failed to honor it. 

I have tried on multiple occasions to use or refund the credits. However, after holding for 3+ hours each time to get an agent and then being put on hold by that agent for another 3+ hours no one has resolved this matter. No one has even given me a straight answer. I've waited on hold for over 20 hours in total with their travel center, the last time I waited for so long that it was past midnight and the agent who was " helping me '' never came back to the phone. 

I have been told multiple times after holding for 3+ hours that a supervisor is needed and they will call me back and then they don't. And the loop starts over. 

Every follow up is another 3-5 hours of waiting for someone who can not resolve this issue. It appears to be intentful from Bank of America XXXX XXXX card to make it near impossible for consumers to get a refund or use their travel credit.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (TX)

I received 2 letters dated XXXX XXXX stating that my credit card applications have been denied but I didn't apply for any. I looked at my credit report and there is also a 3rd card application on XX/XX/XXXX that I haven't received a letter about yet. All inquiries are from XXXX XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Someone fraudulently opened a XXXX of XXXX at Citizens XXXX using my name and SS XXXX. I did not open, know about, nor authorize this account. My information has been made available by hacks to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I received a paper bill in the mail on XX/XX/22 for {$1200.00}. I do not have the full account number because I did not open this account. I called Citizen XXXX and informed them it was fraud. They explained that the account had been entirely handled online- the application and all communication, which is why I did not know about it. I only received a paper bill because the payment was overdue. I filled out an Identity Theft Victim Complaint and Affidavit. I filled out a Police Report with the XXXX Police Department. I registered the fraud with the FTC. However, despite all of that - Citizen XXXX is refusing to acknowledge this account as fraudulent. In fact, they refuse to even close the account so the thief can still use the account. The account was used to purchase " XXXX XXXX XXXX '' at XXXX. I called XXXX and they apparently have information on who perpetrated this crime but it can only be given to law enforcement. I have forwarded that information to my local officer who took my complaint. I have not heard back from the police. Still, after all this, Citizen XXXX has denied my claim of fraud. They have given no reason why they denied my claim. I am not aware of any research or investigation on their part. They have not verified that purchased good were not sent to me. They have not verified that any emails used were not mine. They have not verified that any IP address used was not mine. They asked me for my Driver 's License and copy of mortgage insurance bill for the fraud investigation, which I provided, but they obviously didn't ask any identifying information of the thief who opened this account. To hold me responsible for their mistake is ridiculous.
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (PA)

Hi, my name is XXXX XXXX in which there is a Onemain secured loan on my XXXX credit report that I did not apply for and my identity was compromised. An ex-spouse had stolen my identity to apply for this Onemain loan in which I didn't find out about this until a few years later when it hit my credit report as a collection. I didn't know that you were able to dispute debt and paid off this charge off in one big bulk payment in panic and uncertainty. This loan was opened in XX/XX/2016 and if you go through my records there have been no payments from any financial institution in my name and this is not my account neither does it belong to me. This was fraudulently opened in my name and I would like Onemain financial to remove this debt/loan that I never took out.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MN)

Equifax. 
Friday XXXX XXXX, 2017, upon reading the news of a massive data security breach at Equifax, I went to verify whether my personal credit information may have been compromised like that of so many others. Without enrolling in any sort of program ( in order to avoid waiving any legal rights ), I checked my situation through their security page and found that indeed my information and credit may be in trouble as a result of Equifax 's inadequate security. I then went ahead and submitted a 90-day credit alert request through their site to be submitted to each reporting agency. That is all for now.
Consumer complaint received 2018-12-26
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: EQUIFAX, INC. (FL)

In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.
Consumer complaint received 2022-03-15
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 Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX FS Account XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with XXXX. 

Edfinancial is not reporting my history to XXXX   correctly. The other two bureaus are ok. 

1 : Edfinancial is reporting to XXXX  that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from Edfinancial ( attached ). 

2 : Because this account was negative when it was closed, Edfinancial needs to report a Date of Original Delinquency to XXXX. Right now, the date XXXX   is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from Edfinancial.
Consumer complaint received 2022-03-15
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. (WI)

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 Bum. 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 XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX 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 im depressed now
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2023 LVNV Funding LLC {$560.00} LVNV FUNDING LLC THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!