davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (NJ)

I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (NC)

Equifax and XXXX are incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Consumer complaint received 2021-06-10
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: Santander Consumer USA Holdings Inc. (NJ)

These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (NC)

Equifax is incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I have a loan with Prestige Financial, I have been making a payment every other week for about 6-8 months. My actual payment is due on the XX/XX/XXXX of the month.XX/XX/XXXX I received an email about the payment. I sent a payment authorization on Tuesday morning and advised that I would notify the office the following week around the time that I sent the payment. They started harassing me emailing me over and over again up until Thursday. I begged them to stop, I advised that my plate was currently full, however, I have not missed a payment and I would be contacting them as promised. I check my email on Monday and there's a message, I asking to set up a payment arrangement. My payment isn't 30days late, I paid 1/2 already and there has to be a law that protects consumers from being harassed. This was ridiculous, I could not believe that I was receiving so many emails.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

Disputed with the company on XX/XX/2018, company received my dispute 0n XX/XX/2018 according to the certified mail.It is now XX/XX/2018 and I have yet to hear from the company.The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2023-04-04
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: FIRST NATIONAL BANK OF OMAHA (WA)

I received a credit denial letter from FNOB ( First Nat'l Bank of Omaha ) via USPS Reason for denial : My credit history could not be verified due to a credit report freeze. 

I did not request any credit from any institution, my credit is frozen.

I called FNOB, they have no record of my name, no credit application, etc. They did not want a copy of the letter, they were not interested in providing any further assistance to me. They couldn't verify the address listed in the letter to respond to. 

FNOB said the Ref # in the letter was not one of theirs. 

After I hung up I did go online and report it to their fraud dept.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 there were two transaction happened at XXXX IL. I was living in XXXX TX at the time ATM withdraw {$1000.00} cash at XX/XX/2018 XXXX XXXX XXXX XXXX XXXX IL Card XXXX At the chase bank withdraw {$1500.00} Cash There is a person using fake ID to make those transaction. I made a claim multiple times but got denied.
Consumer complaint received 2019-07-25
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. (MS)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( reported twice on XXXX  credit report )
Consumer complaint received 2018-05-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX XXXX HAVE BEEN CALLING MY BUSINESS PHONE REGARDING A FALSE IMPORTANT MATTER. I HAVE NO CONTRACT WITH THIS COMPANY AND THEY NEED TO STOP CALLING MY BUSINESS PHONE. THEY HAVE CALLED NUMEROUS OF TIMES FROM DIFFERENT NUMBERS. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL REGARDING ANY IMPORTANT MATTER FROM THIS COMPANY.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp. (FL)

So I was only to be placed on the loan as a secondary person and the request for the loan was denied then I was under the impression that that was it when later looking at my credit it was seen that they in fact ran my credit multiple time and has me as the main lend holder and I was unaware of this until get my credit report pulled. World Omni has the incorrect information and they are very rude when assisting me with the situation.
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (OH)

I am contacting you today due to the lack of concern with XXXX, XXXX and Equifax. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$300.00} XXXX   XXXX {$300.00}
Consumer complaint received 2022-10-06
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS XXXX -XXXX  XXXX XXXX  XXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-06
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS XXXX -XXXX  XXXX XXXX  XXXX 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 an account without my written instructions.
Consumer complaint received 2019-07-25
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. (OH)

I am contacting you today due to the lack of concern with XXXX, Transunion and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$280.00} XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In the initial communication with Capital One they did not state it is was an attempt to collect a debt. Capital One Bank continues to send monthly statements that does not state it's an attempt to collect a debt. Pursuant 15 usc 1692e ( 11 ) a debt collector must state it's an attempt to collect a debt under the fair debt collection practices act and Capitol one does not state that. Capital One Bank has been very false and deceptive. This is in fact a violation of 15 usc 1692e ( 11 ). I can not pay on a positive balance. That's a violation and highly false and misleading.
Consumer complaint received 2019-07-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (GA)

A Mr. XXXX XXXX contacted a family member earlier today and when he was asked how he got the number, Mr. XXXX stated it was listed on his paperwork as a contact number. Mr. XXXX was informed that was not a contact number for me and not to call the number again. Immediately following that conversation, Mr. XXXX contacted the same family member once again but this time it was on his cell phone. When asked how he got the number, Mr. XXXX stated it the number was listed on his paperwork as a contact number. Again, Mr. XXXX was told that was not a contact number and was not to call the number again. Neither number Mr. XXXX called has ever been listed on any type of paperwork as a point of contact, Mr. XXXX lied. The family member called me with Mr. XXXX XXXX contact information. Upon calling the number given and entering the extension number provided, I was connected with Mr. XXXX. The call was regarding an old private student loan account with XXXX XXXX that was paid more than ten ( 10 ) years ago. Mr. XXXX insisted the only way to remove the file from them and to stop collection proceedings would be to provide a letter showing the account paid. I again told him the debt had been paid more than ten ( 10 ) years ago and demanded that I not be contacted at any number again regarding the matter. He became very ugly and informed me that they would continue to contact me. I stated that I knew the law regarding this matter and they were not to contact me. He stated he knew the law also and they would continue to contact me. I hung up the phone.
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

Receiving calls about every XXXX minutes on home phone ... will not leave a message on answering machine and will not identify ones self ... Start conversation by saying this call is record .... Then I reply I do n't give authorization to be recorded..and hang up ... We are constantly blocking these XXXX service numbers. I did a number search and the number belongs to Miland Funding..
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (MS)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( reported twice on Equifax credit report )
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

Good afternoon, My name is XXXX XXXX and I have been a victim of IDentity Theft. 

The thief took my bag that had my phone and wallet and did multiple transactions that I did not authorize. 

I tried disputing it with Square and they're breaking the law. I am FDIC insured for up to XXXX and it is the bank 's responsibility to conduct a thorough investigation. I have shown mountains of evidence that proves that I did not have my card or phone in my possession. 

I have since gotten a new phone and wallet. 

Please have them give me temporary credit while they investigate this matter. 

Telling me " take it up with the merchant '' is extremely illegal!
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (AL)

Equifax ; XXXX  and XXXX are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.