davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (NC)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XX/XX/2021.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit report I noticed there were several unknown inquiries which I do not recognize and did not authorize. These inquiries affected my credit score which may affect my ability to get loans and mortgages. I do not even know what are those companies who inquired and pulled my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2020-12-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-08-29
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. (GA)

I was unable to access my credit report, each time i would call or request one i would be advised my answer to the security question are incorrect. The Questions being asked were of no connection to me. I advised EQUIFAX on numerous occasions. In XX/XX/2019 i was made aware that a debt collection in the amount of XXXX was on my credit report. i instantly knew it was inaccurate as im a Georgia resident and the bill was From a Power Company in The state of Sc, almost 300 miles from my home.i constantly and persistently called to be told the debt was MINE??? No way, i sent a letter demanding it be removed with a letter of credit and residency from My power company.i called Equifax whom put me on hold and released the line. This Debt is in no way related to me and i would like it removed. After dealing with all that, i get a letter from equifax stating i was in the Breach.This is ALARMING.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (MA)

My google XXXX store account was hacked. Google allowed unauthorized access to my Goggle XXXX  store account and as as result unauthorized purchases and wire fraud occurred Google XXXX Store insulated itself from the incident by not providing a phone number to reach anyone regarding the fraud and has set up road blocks to making it impossible to remover the charges.. 

I was charged over XXXX from XXXX XXXX.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

There are approximitly 10 collection accounts with Amerifinancial Solutions which are not mine. The responsible party is the North Carolina Department of Public Safety XXXX XXXX XXXX XXXX. These bills were incurred while I was XXXX. You may contact the North Carolina Department of Public Safety,  XXXX XXXX, Acting Controller for NCDPS  and she will tell you I am not responsible and tell you how to get paid by them.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (SC)

Purchased a computer from XXXX for XXXX and two other items totaling XXXX on XX/XX/XXXX with a credit card that I manually entered into the system. 
Noticed when checked bank balance with BB and T that had negative balance I could see that XXXX charged wrong card. Error was noticed two hours after purchase on XX/XX/2019. 
Contacted XXXX they told me they would correct mistake XX/XX/XXXX not fixed contacted company and bank again XXXX told me they couldnt fix it and to return computer Computer was a gift and said item was not in my possession Filed merchant error with Bank was told it could take 120 days and contacted XXXX and was told too bad its your fault you clicked the wrong button and ended the call. To date nothing is fixed and my bank account has maintained a negative balance since XX/XX/XXXX
Consumer complaint received 2022-10-21
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. (WA)

In late XXXX I tried to apply for a credit card and my bank said my information with Equifax did not match my name or social security number. Somehow, the equifax report my bank pulled up showed all of my sister 's information instead of mine. I called equifax and the first thing I was told was to establish credit first and then they could fix it. I told them that the incorrect information on their end was preventing me from establishing credit. After repeating the same advice several times, eventually I was told me to send in pictures of my identity to verify and correct the incorrect information on my file. I sent my identification by fax in mid XXXX. 
A month later in XXXX, I received mail that the request failed because some information was illegible. They directed me to send it by mail to a po box . I called again to confirm this was the correct course of action, then I was told that my social and name didn't bring up any file with them and I was told again I needed to establish credit first. I talked in circles again on that issue until they said to send my information in again. This time I sent it in by mail. I waited for months and nothing changed and whenever I called about a status update on my dispute, I was told again that I had no account even though I had an a myequifax account with them that I logged into with my name and social security number and my bank said I had a file with the wrong information on it. 

I called twice today to get it sorted and the first time I was told I had no account until they pulled up the myequifax account I had, then I was told that I did have some account with them but no credit report and I needed to establish credit. I went to my bank to try to get help and called again. This time, my bank told them with me over the phone that they had done an inquiry on my file with my information and that everyone has a file and they should be able to find it. My bank called them out for the cyclical conversation about not having an account and said they were being deliberately unhelpful. We were escalated to a supervisor and she was even more unhelpful, telling me I should just try with XXXX and that I didn't have a file with them and that I needed to establish credit. Any time my bank tried to help with the conversation she would say she couldn't answer questions from a third party. My bank advised me that they were attempting to make me say I didn't have a report with them so they could end the conversation without helping me. Both the agent and the supervisor refused to give a full name so all I know was the agent was named XXXX and the supervisor was XXXX.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (IN)

I had leased an apartment in which the lease was up. The apartment complex is the XXXX XXXX XXXX. I had paid my final utility bill and final rent. Most rental places take your forwarding address, or your information you had given them. And attempt to reach out. I had to turn my keys over to one of the leasing agents that I had words with prior to leaving. This was in XXXX. I have had no correspondence with the company since. No phone calls, emails, or mail. I had even had my mail forwarded from that address so the could Have sent a letter if they forgot my forwarding address. I woke to an alert that I am reported to a collection agency by the name of Hunter and Warfield. They have not attempted to reach out to me so I have no idea what I am paying.
Consumer complaint received 2020-12-15
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. (PA)

Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. XXXX  XXXX XXXX has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. XXXX  XXXX XXXX XXXX  is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-20
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. (VA)

My personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. XXXX  XXXX XXXX has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. XXXX  XXXX XXXX XXXX  is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020.
Consumer complaint received 2018-04-25
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. (VA)

I called Equifax on XX/XX/XXXX, to discuss removal of unauthorized inquiries on my Equifax credit report. The representative was rude and unable to correct the problem. The following inquiries need immediate removal from my Equifax credit report : XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX FL MAIL CODE : XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CRED DATE FILED XX/XX/XXXX XXXX XXXX DATE FILED XX/XX/XXXX XXXX   XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXXPhone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

On XX/XX/2018 I was a victim of identity theft. I was called by the branch manager at M and T bank saying that people were calling to be me and that I have had two activities on my account that were suspicious. One being a purchase at a shell for XXXX and the other is a XXXX at an ATM in XXXX XXXX, NY. I've filed a police report with the XXXX and the bank filed a dispute. The dispute for XXXX was given back to me. The XXXX has yet to be refunded and the bank has not been of any help or assistance to give me the XXXX. The last time the bank told me the case has been closed and told me to write a complaint letter which I did. The regional investigator accused me of taking out the money when he never spoke with the detective on the case and also the regional investigator also verified the recording of the people calling the bank pretending to be me was not me. I'm very irritated with M and T bank and would like my money back so I can finally switch banks.
Consumer complaint received 2022-10-21
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. (TN)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX AV XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX GA XX/XX/2022.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2022, I receive a voicemail from Sheffield Financial calling to verify my identity in regards to a loan request they received in my name. Upon calling the number back, the Sheffield Financial representative informed me that someone applied for a loan with them using my information at a store called XXXX XXXX in XXXX, TX. The representative noted the individual ( s ) made the loan request in person and had provided my full name, address and social security number. However, the fraudster provided the incorrect city when giving my address, which caused suspicion. The representative assured me that Sheffield Financial will decline the loan request. 

I called XXXX XXXX shortly thereafter and spoke with the store manager, XXXX. XXXX informed me that two individuals came into his store earlier in the day claiming to be me and applied for a loan to purchase a XXXX recreational vehicle, which are in excess of {$50000.00}. XXXX was empathetic to my situation and provided their local sheriff department 's contact information. He also noted that he would try to get the fraudsters back into the store tomorrow, XX/XX/XXXX, in hopes of having them arrested.