davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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. (NC)

I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (FL)

Experian and XXXX alike has allowed XXXX XXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX  XXXX XXXX. For this alleged debt, XXXX  XXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : Experian reflects a past due balance whereas XXXX  does not ( Inaccuracy ) Experian reflects an open date of XX/XX/XXXX and XXXX reflects XX/XX/XXXX ( Inaccuracy ) Experian reflect terms of 1 month and XXXX reflects nothing ( Inaccuracy ) XXXX   notes this is a medical debt and Experian notes nothing ( Inaccuracy ) Experian reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on XXXX ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

I was charged for XXXX payments made on XX/XX/2022 because I placed a second order after Chime notified me that my first payment was declined ( it was not ). The XXXX payments were {$2800.00} XXXX  and {$2700.00} XXXX issued to XXXX XXXX through XXXX. I then issued a chargeback and was contacted by the merchant that he would issue a refund for the extra payment and that I could cancel the chargeback. I have received the refund of {$2800.00} XXXX  from the merchant on XX/XX/2022, which was transferred to my Chime account on XX/XX/2022, but I was later notified that Chime issued a chargeback on the second payment on the merchant, which has not been shown anywhere on my account. The merchant has confirmed with a XXXX investigation that Chime has charged him for both payments, and after many rebuttals I received an email on XX/XX/2022 from Chime that they have made an error and that the merchant issued a refund to me on XX/XX/2022, which is not shown on my account. After making a phone call on XX/XX/2022, I was told that my credit would be issued by XX/XX/2022 and I should call them if I have not received the payment by then. On XX/XX/2022 I made another call to receive an update on my payment, and was notified that my dispute was declined and needed to be escalated ( which is not shown on my email update which confirms that Chime has made an error ). After emailing Chime 's support on XX/XX/2022 after the phone call, I was informed that the dispute was declined, which is contradictory to previous updates. Not only have I lost money due to the currency exchange, but Chime has been withholding the money charged back from the seller ( {$2700.00} XXXX  ) for over 2 months and is refusing to provide me additional updates via phone ( every time I have been told that they will escalate the case, which has not happened ). None of their investigations include any evidence that I have received XXXX refunds from the seller, as they decline my dispute based on receiving XXXX refund ( both payments have been taken from the seller, and only XXXX has been received by me ).
Consumer complaint received 2018-02-26
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. (MO)

On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

I have good credit and I have low debt I have tried working with companies to get a loan so that I can start my life over after getting XXXX it so bad I became XXXX Carlless and jobless nobody will give me a personal loan or a credit card and I dont understand why please help thank you God bless
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (FL)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TN)

On XX/XX/XXXX of XXXX  I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from XXXX XXXX Santander, Consumer, XXXX. And XXXX XXXX XXXX XXXX. On XX/XX/year>. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of XXXX  showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of XXXX and Santander and a fraud or identity theft report which was all that was already done And sent to XXXX XXXX XXXX. They asked me if XXXX XXXX XXXX was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from XXXX XXXX stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to XXXX XXXX, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the 2 inquiries from XXXX of XXXX XXXX and Santander consumer U. S.AXXXX On XX/XX/year> and the XXXX. Report of XXXX, XXXX XXXX XXXX on XX/XX/XXXX of XXXX  thank you. I also did a XXXX XXXX XXXX complaint of XXXX.XXXX XXXX, Santander XXXX XXXX XXXX XXXX XXXX and san tander
Consumer complaint received 2021-06-12
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. (VA)

I contacted XXXX XXXX as well as their collection agency XXXX. XXXX informed me that XXXX XXXX XXXX closed the account and are no longer attempting to collect on the debt. They were reporting the account as open to Equifax and that was recently disputed and resolved, however, they are reporting a past due amount and payment history which are both violations for a charged off account. I disputed this and they refused to correct the error. I attempted to contact them about the matter and they said that there was nothing that they could do and both collection companies kept giving me the run around. I am asking that this be deleted from my report as it as been reporting inaccurately for years now.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

Ive recently acquired an Amazon store credit card. Ive paid my account in full for three months straight. My latest payment was submitted on XX/XX/2024. I checked today to use it, and my available credit was zero. When I asked why, they said my available credit wouldnt increase for another 6 days. Totally unacceptable and against the Truth In Lending Act, by more than a week and a half. They refused to rectify the situation, and allow me access to my credit, which I paid for in full.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

this was a bill that went to collection that should have never been a bill in the first place, I had paid my phone completely off 2 months prior as well they told me they were resetting all the plans so I had to resign up for a whole new plan and as well decided to try telling me I had to re pay for the entire phone when it was paid off so I decided to cancel my plan and its been effecting my credit ever since. I want to resolve this issue do to wanting to fix my credit and this is starting to affect my credit score in a very negative way to the point that I would like if something can be done do to not having accurate detail of amount owed as well havnt heard from them at all in regards to the matter and would like to have some sort of info needed in order to get accurate info to exactly why its so high and see what I can do to get it appropriately taken care of and taken off of my scredit score as soon as possible.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent firm ( s ).
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

ONEMAIN XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by ONEMAIN. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2021-10-28
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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (AL)

I was co-signing with a friend. The man who was assisting us took down my information and said he would be right back. When he came back he said no I couldnt do it. My credit score is too low. This is XX/XX/2021. They ran my credit 19 times. Thats ridiculous! 19 times on each of them!! You ever go to XXXX XXXX in Alabama, theyre is a dealership called XXXX XXXX. They are right off the highway. Thats XXXX XXXX the way they did my credit!
Consumer complaint received 2021-06-12
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. (PA)

This is a section/copy from my credit report : A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Inquiries that may impact your credit rating/score.

These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Company Information Inquiry Date ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX RI XXXX XX/XX/2021 End. 
I have disputed with EQUIFAX and they found this to be Factual? Yet Equifax has Not proven this was me. I strongly dispute this, it was not me! 
My 2nd option was to Contact : XXXX XXXX, which I did and they too have failed to prove this was me. 
I am me, I have said multiple times in writing and vocally that I did not apply to XXXX XXXX for any type of loan/credit. Yet, this must remain on my credit report for 2 years. 
I filed a complain with Pennsylvania Attorney General XXXX XXXX.
Consumer complaint received 2019-10-07
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: Fidelity National Information Services, Inc. (FNIS) (CA)

It is the first time I heard about the company named XXXX XXXX. What happen is that, the bank called me and said that they canceled my application and Issuance of Debit card because XXXX XXXX told that my Account at XXXX XXXX Issued a token.on my account.But that token that Chex said is a dispute on my account at XXXX XXXX, and I wasn't aware of that. Because there's always someone accessing my account not only at XXXX XXXX, also to my account at XXXX XXXX and XXXX  XXXX XXXX. That is why those account got closed due to the transactions that I didn't do.Because I am having issue accessing my account because all the device i '' m using was been compromise, and even all my email account and social media account. I think it was planted. Imagine, even my assets, investment, insurance, shares of stock and dividends are being manipulated already.by the called third party and maybe, Chex is affiliated with this third party.
Consumer complaint received 2022-02-04
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. (UT)

There is a collection account on Experian with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account Experian has failed to provide information of proof account belongs to me. Experian has no document or contract to verify the account. Ive reached out on numerous occasion by phone to Experian and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Consumer complaint received 2022-10-07
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. (FL)

In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}
Consumer complaint received 2022-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has taken compete control of my identity which has been very overwhelming.I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report .and not sure who has my information or how they got it.I have been calling the credit bureaus explaining this but as of today they have not been and help.Please help me take my life back