davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.
Consumer complaint received 2020-02-19
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. (FL)

I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.
Consumer complaint received 2021-11-17
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)

Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX  account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.
Consumer complaint received 2020-02-19
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. (FL)

I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (GA)

On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/XXXX XXXX, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, Calvary is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA was contacted XX/XX/XXXX to stop automatic draft for a vehicle traded in. USAA told me it was cancelled. On XX/XX/XXXX usaa drafted my {$780.00} ( without my consent ). As of today XX/XX/XXXX USAA has still not returned my money, taken without my consent. They keep delaying how long it will be to give me my money back. USAA has given multiple different timelines from 15 days to same day deposits to 3 days check mailed.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

XX/XX/XXXX - Sent letters to XXXX, XXXX, and Experian disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, XXXX, and Experian responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, XXXX, and Experian. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, Experian has the dispute currently under review, and XXXX has not responded to my method of verification request.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX   acting as a debt collector on behalf of XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (MS)

I have fraudulent inquiries reported on my credit report. These are not my inquires listed below. I did include a clear picture of my ftc report. Some companies pulled my credit more than once. These companies listed below are the ones I didnt authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants be gan reporting a  XXXX  debt to the consumer credit reporting agencies around  XX/XX/XXXX . The debt of {$260.00} was reported as being a delinquent beginning in XX/XX/XXXX . Beside the fact that I owe no debts to  XXXX , there has been quite an issue concerning the collection by Diversified.   First, I was never given written notification that they were collecting on this debt. My first time hearing of it was when I saw it on my credit report, too late to dispute it before it affected my score. I have reached out to Diversified since, disputing the debt. I have also disputed the debt through the individual credit bureaus to which it is being reported.   Diversified has verified to the bureaus that the information is accurate. And to me they sent a bill to prove the legitimacy of the debt. A bill with a total much different from the one they are reporting. The bill theyve sent me is for {$350.00}, while the reported balance is {$260.00}. This is not to say Im claiming that I owe more than what they are reporting, but rather the opposite their own validation documents dont match what theyre reporting to the bureaus. It doesnt seem like this debt collector puts much effort into confirming their own reporting and actions.
Consumer complaint received 2021-11-17
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: U.S. BANCORP (CA)

I received a postcard from USBank thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a XXXX credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by US Bank. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all my credit reports
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NJ)

I recently received a collection notice from Credit Corp Solutions regarding their reference # XXXX for a balance due of {$140.00} This amount is fully disputed as being totally invalid, and I never used PayPal credit. Someone fraudulently used my name. PayPal shows a XXXX balance for me and has no record of me making any purchases using credit. 

Kindly report this matter as fraudulent and remove it from my record.
Consumer complaint received 2021-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX I received a bill from Bank of America for {$20000.00} on my card which has a {$10000.00} credit limit. The card is an XXXX XXXX  card that i have only used for purchases with XXXX, {$50.00} to {$300.00} at at time and paid balance when due. I contacted them and they credited the account and started a fraud claim. I also contacted XXXX and found that there were multiple charges for flights and hotels and rental cars thru XXXX charged for this with multiple random people almost all flying from XXXX, I fly out of XXXX always. After 2 months Bank of America denied the fraud claim and put the charges back on my account. They stated that the charges were consistent my previous charges with no explanation of how it could double my credit limit. They are re-opening the claim but leaving the charges on the card which has drastically lowered my credit score and if I don't make payments on it will further ruin my credit. I can not do anything but wait another 60 days to find out if they are going to continue to deny these charges!
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (CA)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DC)

The company continues to lie claiming that they initiated a request to collect a credit balance on my property tax bill but that request was never initiated. I spoke with a representative from XXXX XXXXXXXX that confirmed no refund request was ever submitted. The company lied and said they had initiated the request when I previously filed a complaint here with CFPB so that complaint was closed. I am filing an additional complaint because this issue has not been resolved. Please let the company know that the next step will be filing a lawsuit in small claims court.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (VA)

I just cancelled my XXXX XXXX and I did not know this was an optional service, otherwise I would have denied this service upon original charge. This is deceptive banking practices and doesn't even come up as a charge, but rather a fee on my statement. I would like to be refunded the entire amount I have been charged for this deceptive practice. It even says " PROTECTION FOR YOUR ACCOUNT! '' under this charge.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NC)

XX/XX/2022 SPRING OAKS CAPITAL LLC contacted me about a debt through the mail. I asked for validation from them through the mail which hasn't been provided. I received a letter dated XX/XX/2022 on the XX/XX/2022. I haven't been given time to dispute validity. It hasn't been 30 days and it showing up on credit report.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I have credit card issued with HSBK BANK for two years, perfectly paid and few time used. Line of credit {$4200.00}. Now with out communication or letter they process to reduce the line of credit from {$4200.00} to {$950.00}. That means from 22.12 % balance to 95.28 %, that was reported from XXXX and my FICO going down unfortunately. This really unfair for every customer that have a good relation and proper payment in any credit card they act unprofessional and playing with the financial situation from everybody. 
I would like to know if I have any consumer right from this type of situation or not!
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I disputed inaccurate information on my credit report and asked that the company provide proof showing my wet signature to me. They have failed to show me that proof and the items are still reporting inaccurately on my credit report.
Consumer complaint received 2021-11-17
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. (PA)

I was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, TransUnion, XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX
Consumer complaint received 2021-11-17
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: CLGF Holdco 1, LLC (NY)

On XX/XX/2021 I received an email from Destiny Mastercard part of Genesis FS Card Services stating Thank you for choosing Destiny, expect your card in 7-10 days. I called their customer service that evening at XXXX and gave my name, phone number and e-mail this was received on and sent by to the call center rep telling her that I never applied for a card and was told this would be sent to their supervisor of the fraud division and they will call me. 

Today XX/XX/2021 I received an alert from XXXX stating a hard inquiry was pulled from my XXXX report by this company. I never applied for this card, my credit is locked through XXXX. I never received a call back from this company - I called them again today to report the same thing and was told the same information as before. I am terrified that someone somewhere is going to receive a card in my name and this company is doing nothing but continuing to pull my unauthorized information.