davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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: Continental Finance Company, LLC (MA)

On XX/XX/2021 there is a inquiry on my credit report from Continental Finance Company that I did not have any knowledge of or have given permission to access my report. I have tried to contact them without any success I was given the run around different numbers to call got disconnected and hung up on. My concern is this is a loan and credit card company that might have given whoever applied a loan or credit card. I am access my credit report daily and have placed a fraud alert.
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (MA)

Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : Jared-Galleria of Jewelry XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : XXXX XXXX XXXX XXXX Sterling Jewelers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar to me.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (TX)

I am in disagreement with the items listed on my credit report which still appears on my credit report after an investigation. I would like these items immediately re-investigated and DELETED. These inaccuracies are highly injurious to my credit rating. You have ignored my previous XXXX request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (MI)

National Enterprise Systems , Inc. states that I owe {$510.00} to them from a debt that was assigned to them by XXXX XXXX XXXX. I've sent a debt validation, a Affidavit of Truth which was notarized, and Exhibit as proof in which they violated consumer laws which was notarized, a cease and desist letter with an attached invoice for payment to me since the fair debt collection practice act laws were breached.
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (NM)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

Hello- I requested my mortgage company to remove PMI and give me the opportunity to close my Escrow account by proving the value on my home has increased past the 75 % XXXX threshold. Back in XXXX. I submitted a timely application and payment in the form of a {$320.00} check, pursuant to PHH 's instructions on ordering an appraisal. 

I followed back up this month ( email conversation attached ) and all they responded with is " be patient ''. 

I'm now approaching XXXX and they have not taken any action other than depositing my money. They are dragging their feet deliberately because they don't stand to gain anything from my PMI cancellation and closing of escrow.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service (IA)

My original aafes debt which is now managed by XXXX XXXX XXXX was discharged in a chapter XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for XXXX  years now on this debt that was discharged.
Consumer complaint received 2022-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-30
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)

Experian and XXXX XXXX agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX  XXXX different collection agency. They need to proof this is my account. I have never had XXXX  XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX  XXXX was put in was a childhood home. I have not lived there in over 30 years. I disputed with Experiqn last year they removed for lack of proof it has appeared again under different collection company and Experian has said the company showed it was mine. I would like to see the proof.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (NY)

i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX experian has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo says to try to work out disputes with company first, then let them know. I've tried and I've come across a very bad situation that needs upper level help .... 

My father, XXXX XXXX, has been forced to move out of his home for quite a while due to disabling XXXX XXXX. Im a POA and have only recently bothered to check his bank accounts due to his stressful life events preventing proper handling of those concerns. Ive now realized that although he believes he expressed a notice to his utility and other service providers, there have been charges to his bank account from vendors and services operators for which he is not able to use as a service. 

Especially at the bank level, XXXX expressed his competency concerns with Wells Fargo. Although hed moved out in 2016, and due to reverse mortgage rules, Wells Fargo took over the home soon after, Wells Fargo tolerated the inappropriate charges. Wells Fargo now claims they didn't do the takeover since they transferred their reverse mortgages to another company. If responsibility should be due to the mortgage holder, former or latter, I would note that I left a note on XXXX belongings which contained sensitivity personal belongings, and I did not hear a word. Either the bank, the mortgage holder or the reverse mortgage takeover workers, or those service operators, shouldve been responsible to prevent inappropriate charges to a XXXX XXXX.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc. (GA)

I requested a credit increase and another card for my husband from XXXX visa/comenity bank. I did n't get a phone call or anything. Just a letter that stated that they could n't reach me therefore they could n't honor my request. I called and I spoke with a supervisor. She said in the notes, it said that they tried to call me but there was no number on the credit bureau report to call me on. So, my question is, how did you call me? My husband needs another card and I would like to have my limit increased. I need someone to call me to get this situated immediately.
Consumer complaint received 2021-11-02
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: PNC Bank N.A. (AZ)

I paid off the 0 % balance transfer promotion on XX/XX/XXXX. I attempted to set up auto pay in my online banking account to pay balance due instead of the minim payment. I was unable to utilize the auto pay option, as the button would not activate. I continued to manually make the minim payment. Through written correspondence they finally set up a debit deduction each month in XXXX of XXXX. However, in the mean time I did overlook making a manual payment over XXXX on XX/XX/XXXX. With out any notification until I was 36 days late, they charged me a {$27.00} late fee, which they have reversed and reimbursed me the {$27.00}. 
I have had several conversations requesting the 30 Day Late Payment be removed from my Credit Report as my Credit Score dropped 50 points, and will stay on my Credit Report seven years! 
When I finally did reach a supervisor who had the authority to remove the Late Payment informed me that since BBVA has merged with PNC, they can not do anything about correcting my issue!
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (OR)

I was garnished in the summer of XXXX by Machol & Johannes LLC who represented XXXX XXXX XXXX   regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XXXX XXXX. I assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the Machol & Johannes LLC ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is Machol & Johannes responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XXXX XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by Machol and Johannes LLC on XXXX XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XXXX XXXX and mailed on XXXX XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XXXX XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. Machol and Johannes LLC currently owes me {$280.00} as I have overpaid on this debt.
Consumer complaint received 2022-02-07
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. (SD)

I have never had an account with the XXXX XXXX XXXX! I was led to believe that the account i had with XXXX XXXX is the bank that i was paying on and then i found out from viewing my credit report that the account was with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and transferred all over the place just to be told that i need to dispute the account ( s ) with the credit bureaus because they don't have any record of any accounts in my name and the persons that i spoke with stated they don't have the ability to remove the account ( s ) from my credit report. 

I also have received my credit report from equifax and there are inquiries from companies that i do not recognize and i don't believe that i would have requested that my credit be pulled when my credit report previously had freezes on it and and extended fraud alert. I do not know of these companies or why they have made hard inquiries on my credit they are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

also, there is a student loan showing on my equifax credit report from XXXX and i did not have any student loans in XXXX.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have previously disputed with XXXX, experian XXXX  XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-25
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. (MI)

I have a chapter XXXX bankruptcy which was discharged on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy Court explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX
Consumer complaint received 2022-02-07
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. (GA)

Transunion continue to report negative items in my credit report that are over seven years old. They continue to report a XXXX XXXX that has been discharged. They continue to report late payments that obviours dose n't exist for over seven years. The two other reporting agency have done the proper thing in removing these items and making an accurate report.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CT)

Coinbase allows for debit and bank transfers. They have practices in place that steer you towards using your debit card to make deposits which carry a much larger fee. If you make deposits with your bank account they will hold your money for 7 days restricting you from making trades with these deposits. On the day you make the deposit the money will be debited from your account. What this practice does is deters you from using this method and using debit card deposits which are immediately available for trades. 

I have complained on many occasions and their response is they do this for security purposes. When you respond and ask what security measures they say they cant reveal these for confidentiality reasons.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (SC)

VW credit inc. acct # XXXX, ( XXXX ) XXXX, Orignally opened XX/XX/XXXX. 

This account was included in a XXXX  XXXX bankruptcy which was discharged in XX/XX/XXXX. VW Credit has reported late payment on my account, for a car I did not own, for the dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again the vehicle was surrendered at the end of XXXX as part of a XXXX  XXXX bankruptcy. The information VW Credit has placed is wildly inaccurate and must be removed.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  BANK XXXX XXXX XXXX XXXX XX/XX/XXXX 2021