davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Someone illegally obtained my information and opened fraudulent accounts and used XXXX XXXX XXXX XXXX which I have NEVER lived in that XXXX  unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX  Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX XXXX XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXXXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXXXXX, Equifax, XXXXXXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX  Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
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. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MI)

I called Barclays earlier this month to at least, change the credit card from Wyndham to a different card they offer like XXXX XXXX XXXX or the XXXX XXXX XXXX they offered, but was told no my the representative. This contradicts what I was told by XXXX XXXX in early XXXX, when this all started. 

I asked, at least, if im stuck with a credit card I was lied about apply for, could I change it to some other credit card barclays offers. I was told yes to some degree. 

Then I recieve ANOTHER response today, of Barclays telling me that I'm XXXX because I already added a bill to said credit card, so I clearly didn't want it removed and would not honor my request. 

The only reason I gave up on even getting the card removed ( by barclays, on their end, not by me ) because I was told by reps that wasn't possible. THEN i tried to make it better for my whole situation by at least using the line of credit to help my own score by adding a small bill to pay off every month. 

Only for this to some how be used as evidence for all the more reason for mt complaint to be ignored. 

My complaint is now, that customer service will lie to you. That people from the " Office of the President '' will ignore your emails and also lie to you, and then use your responses to lies against you. 

That timeshare reps will lie to you, and tell you, you need to sign these documents to prove that you will not come to Wyndham time shares anymore, and then pull your credit. Then tell people at the Offfice of the President that they actually don't say that, when I know several people who have had the same thing happen to them. 

My boyfriend and I saved up a lot of money for a trip to XXXX. We got covid tests, isolated and were excited to go. We didn't expect to come home and a week later for our credit scores to plummet, and ruin ( his more than mine ) our chances at making any big purchases any time soon.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reese Law Group (CA)

Reese Law Group out XXXX, Ca. has been very uncooperative, in resolving my legal matter. 
I've satisfied my judgement as per our agreement with them, I've dealing with this company for over 3 years now, they been horrible in communicating with me. 
I agreed to settle the judgement, which I paid in full as per our agreement, I held my end of the deal, and they have not. 
I been waiting for a satisfaction of judgement since XX/XX/2021 I'm the middle of refinancing my property, and I'm at Reese Law Group 's mercy. 
Please help me resolve this legal matter since is jeopardizing me losing my Home loan. 
Looking forward in putting this behind me and move forward.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
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. (GA)

XXXXXXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-01-27
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: ID Analytics, Inc. ()

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2021-05-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Almost two years after being the servicer, SLS changed a historical document. SLS has refused to explain ( except to state it is based on previous unnamed documents ). This is FACTUALLY FALSE, as SLS 's previous documents before this confirmed an UNFIXED ( to-date ) SERVICING ERROR. An internal report ( attached ) with their parent company, states I requested this change ( WHEN I DID NOT ). And so, I would like a copy of SLS 's servicing file notes from XX/XX/2018, to the present.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I successfully logged into my online account after using all kinds of fancy security checks. Then I engage the chat subsystem and selected the option " close account '' I then chatted with a rep advising XXXX citing i wanted to close my account. 

I advised her that I was told by the last chat person on last week that it was easy and could do it via online and a check for the remaining balance would be mailed to me. 

But today, the chat person at the " close account '' dept refused and said I had to speak with a person via telephone. I 100 % dont believe this is necessary. Why offer to chat with a person to " close account '' if accounts are not going to be closed upon request? 

The bank has all the information in their system to proceed with my request. All bill payments from the account sucessfully posted on XX/XX/2022. No more withdrawals will be made as of XX/XX/2022 This is just another poor customer service reason why I no longer want to do banking with this bank. 

I want my account closed without spending a lifetime on the phone and discussing anything with people as well.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/2021, my Simple bank account was converted to a BBVA account. We were notified about this months in advance, so I checked my balances before the conversion, wrote down all my account information & downloaded the BBVA app so I could access my account. 

On the day of, I could NOT get into my account at all. Despite assurances that everything remained the same & we could access our account with no issue, I was blocked from getting my money. Fellow customers reported that customer services were inaccessible or had waits well over an hour before calls were disconnected. I left a comment on the company 's XXXX page that was never answered, as did many other Simple customers. Today is the XXXX & all the company has done is post XXXX statuses saying they extended customer service hours & put out automatic replies. This is the problem, we need live people!!! Preferably ones that aren't rude to us on the phone when we have legit concerns. Some people have all of their money tied to a BBVA account. 

I immediately transferred all of my money out since I knew how much I had saved. Even though I finally have access now, I don't feel comfortable banking with BBVA & I will be closing my account as soon as I verify that my paycheck does NOT go in there!!
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-05
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. (CT)

I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX A/C # XXXX XXXX XXXX A/C # XXXX XXXX XXXX   XXXX XXXX A/C # XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : DEPT OF ED/XXXX Account number : XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX
Consumer complaint received 2022-07-18
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. (FL)

As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.
Consumer complaint received 2022-01-27
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. ()

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX I purchased a condo from XXXX XXXX Loans or lender to promissory note. It has since then been switched in XXXX to Bank of New York Mellon. It has switched Loan Services multiple times. Along with the lender switch and servicer there is no documentation ever provided or notified of these switches. It has been since XXXX XXXX the last time I made payment. It was taken to court in XXXX to XXXX and dismissed without prejudice in XXXX. Since XXXX since after trying to refi and getting told no over and over and none of the current loan servicers or lender could prove they actually own the note and mortgage or property I stopped paying maintenance fees. In XXXX the association for the condos foreclosed due to maintenance fee being behind. They have released me of all responsibility and interest in condo. The loan amount is still affecting my credit causing me to not be able to rent places, get car loans even with a good paying job, and effecting both finical and physiological and emotional well being due to lack of failure to address and take care of this matter in a timely fashion or refi the loan to make it affordable. It is now causing me to not be able to go back to school.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!