davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been reviewing my consumer report in its relationship between I, XXXX XXXX and you TRANSUNION and I have noticed some unauthorized inquiries. 
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 2021-03-10
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: OneMain Finance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** ... XXXX XXXX XXXX**** ... ONEMAIN XXXX**** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

Called American Express prepaid services at XXXX XXXX with multiple agents on XXXX XXXX who advised they have authorized payments at online retailers. Given 24 hour wait times to wait for authorization for prepaid card to be declined. Spoke again to another agent on XX/XX/XXXX who advised to use at yet another retailer and to no avail the card was still declined. However a pending charge of {$0.00} was charged and pending no agents can explain why the pending charge is there. Requested a supervisor and told none are available and to call back in 2 hours and then hung up on.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Consumer complaint received 2021-04-15
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. My information was also impacted by XXXX, Equifax and XXXX data breach and May have got into the hands of the wrong person. I am writing to request that you block ( FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report and there were accounts and inquires on my credit report that are not mine and ARE UNAUTHORIZED. I filed a formal complaint with the Federal Trade Commission. 
Remove fraudulent account as I have no knowledge of any of these accounts due to EQUIFAX breach Identity theft. 
XXXX  XXXX XXXX Balance : {$10000.00} FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY.
Consumer complaint received 2021-03-10
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: CURO Intermediate Holdings (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-10-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

Doctors promotes 0 % interest finance on XXXX, in this case, XXXX XXXX.  They tell you it will be 0 % for over 2 years 24 months. What they dont tell you is that is a deferred interest financing. The financing Company, post a minimum payment that should be made, a lot less if than the required amount to be cover ( assuming all 24 payments are made ) misleading the borrower to miss the promotional deadline at a 29 % interest rate. Its out of this world that you borrow XXXX and end up paying XXXX just on interest.
Consumer complaint received 2022-02-16
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. (NY)

I am a victim of identity theft and did not authorize any of these hard inquiries. I am extremely upset because to my understanding I know TransUnion is supposed to report correct and accurate information to a consumer 's credit report but yet allowed these companies to have reported fraudulent and unauthorized hard inquiries to my report without acknowledgment and did not even bring it to my attention. I have been treated unfairly and this has financially hurt me. 
Fraudulent Inquiries : XXXX OF XXXX ( XXXX ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 XXXX  XXXX ( Bank ) - XX/XX/2022 XXXX ( Finance ) - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Finance ) - XX/XX/2022 XXXX XXXX XXXX ( Bank ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX Last four of SSN : XXXX Last month, I missed a phone call from an agent at capital one, they left a voicemail requesting for me to call back. I was concerned at why they would be calling so I checked my account to see what was going on with it and realized my account had been restricted. I contacted customer service immediately to rectify the situation and was advised that I needed to send copies of my i.d . front and back as well a signed copy of my social security card. The first manager that I spoke with advised that if I uploaded my documents that day that I could call back and ask for a manager for them to do a live review and to release the restriction. When I called back, I was advised that they would not do a live review for me and that I would have to wait 7-10 business days. I patiently waited and never heard back from anyone. I called  again asking for the restriction to be lifted and was advised that they would not do so until they have received copies of i.d . and ssc for every authorized user on my account. I let the representatives know that they could simply just remove the authorized users from my account as I have contacted them and they were not comfortable in doing so and legally, they do not have to provide me such information as that is their personal vital information and they are not legally responsible for the account. To date, Capital One has not given me any formal reason to why my account is restricted. I have had this account with them for a year and would like to continue to utilize my account. I have done my end of cooperation but I can not provide them anyone else 's vital information without their consent. My account is still restricted and it is unjust.
Consumer complaint received 2019-10-17
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: CMRE Financial Services, Inc. (CA)

Sent a certified letter to CMRE Financial Services to get validation of debt. Upon receiving a response from the collection agency, they then provided me with the details of my medical bill which they are in direct violation of HIPAA regulations. I have not now or ever signed a HIPAA form to authorize CMRE Financial Services to have access to the information. I then asked for them to remove my account, cease collection & cease reporting for violating my rights.

CMRE Financial Services refused to remove account and continues to report this information,
Consumer complaint received 2022-12-03
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO Recovery Associates reported on my XXXX  Credit Report that a Credit Card Account was opened under my name in XXXX of 2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I notified Equifax that the address that they are reporting on my credit file does not belong to me. They opened a dispute and said it could take up to 30 days. Well i got an email on XX/XX/18 that the dispute was complete. However the address still show on my credit report.
Consumer complaint received 2019-10-17
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. (CA)

on XX/XX/XXXX19 applied for finance on XXXX Lease from XXXX. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3 months in arrears with XXXX When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a complaint to the CFPB ( Complaint number XXXX ) regarding Bank of America charging for NFCs. The case was closed by the CFPB, and I was told to contact BofA to get my issue resolved. They know nothing of the case, can not give me a written response to the complaint and I have been going around in circles with the customer service reps at the bank. I need the FCPB to reopen the case and to have a written response sent to me via email or snail mail.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I have been having over-and-over a report placed on my credit report as a collection for {$1300.00}. I contact the credit bureaus and they re directly to contact them. Which I do so and I contact XXXX XXXX XXXX and request the actual application signed by me at the time I supposedly enter the emergency room or some type of documentation with my signature on it and they failed to provide it, instead, they sent one 's again the bill only without any information that proves that I did in fact obtain XXXX XXXX. I contact them several times and no resolution, instead, they were hostile toward me and told me I will be sued. I demand them to provide the information and they fail. 
This is hurting me and causing me a great deal of stress unnecessary. Someone needs to take action against this type of collector trying to collect money from people fraudulently, threateningly, and with hostile verbal abuse.
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (TX)

It has come to my attention that GM Financial has denied myself and my husband credit. I, the NATURAL PERSON, creditor, and Applicant, am aware of the letter that was suppose to be sent to us which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) within 30 days after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. We have never received any letters from GM Financial with an actual adverse action, we have only been told through the telephone and the dealership of their denial. Pursuant to 15 USC 1691 ( a ) ( 3 ) It shall be unlawful for any creditor to discriminate against any aspect of a credit transaction, because the applicant has in good faith exercised any right under this chapter. As the Original creditor, we initiated a consumer credit transaction, using my credit card ( SSN ) pursuant to 15 USC 1602 ( L ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit making GM Financial an assignee pursuant to 15 USC 1691 ( e ). However, we DID NOT receive any benefit from that transaction, but it had a negative impact on our consumer report, proving the transaction did in fact go through. Lastly, Congress states " No Credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 

I have given several attempts to resolve this issue with GM Financial and they stated that the file had been sent back to the dealership for them to resubmit, however, nothing has been done.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hey im writting because i applied for a new credit card and a mortgage but found out through the credit card company called XXXX XXXX that my contact information on the credit bureau file was wrong in which i got denied the card and then from the mortgage company that i still have dispute comments on my file from XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX i tried and get in contact with the number XXXX XXXXXXXX gave me but no luck the number was XXXX for transunion