davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-03-22
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. (CA)

I had two checks written as part of a canine adoption transport. The adopter was to reimburse me immediately upon transfer of pet but failed to do so. My checks never cleared. Recently this year, I psid both checks off for XXXX XXXX in full Amount and after receipt their Collections Agent promised to report both check debts were paid. That was not done. At this point I have paid my debt in it's entirety and should have that noted and updated!
Consumer complaint received 2017-05-29
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: Experian Information Solutions Inc. (TX)

I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office s aid 2 week s after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
Consumer complaint received 2015-04-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (AZ)

We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.
Consumer complaint received 2022-10-19
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-02-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''. 

My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.
Consumer complaint received 2017-05-29
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. (TX)

I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office said  2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
Consumer complaint received 2020-11-10
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

XX/XX/XXXX To Whom It May Concern : I am filing a report about a collection that has shown in my credit history. I am in the process of buying a house and the first Lender ( XXXX XXXX XXXX ) checked my credit score with XXXX my score is XXXX. The second Lender ( XXXX XXXX XXXX ) also checked my credit score and it dropped to XXXX. When I inquired what caused my score to go from 800 plus to below 700 after years of excellent credit history ; I found out that the collection showed in two credit bureaus ( XXXX and XXXX ) an unpaid collection of {$10000.00} from a creditor named XXXX XXXX XXXX that was dated XX/XX/XXXX per the dept collector agency IQ Data International. 
This is not the 1st time that someone has used my information as the same thing happened to me lastXX/XX/XXXX, when a person named XXXX XXXX used my SS number, my maiden name, and previous home address to lease a room in XXXX XXXX. I reported this to 3 credit bureaus and asked for security alert. I don't know why it happened again. I am afraid that someone or a possibly a group of individuals are continuously using my identity and ruining my credit score. I am again contacting the FTC/CFPB to prevent further damage to my identity and credit. I have again already reported this issue to XXXX and XXXX about this incident. XXXX bureau has not received notice of this collection. Please advise as this has been going on for more than a year now. 
Below is the 1st report I made to FTC in XX/XX/XXXX for your reference. 


Sincerely, XXXX XXXX " XX/XX/XXXX To Whom It May Concern : I was given notification from XX/XX/XXXX. XXXX XXXX ( Ph # ( XXXX ) XXXX-extXXXX ) that I owed {$130.00} to a creditor titled : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, acct # XXXX. I sent a letter of dispute informing this transaction was unknown to my knowledge. I received a call from XXXX   today,XX/XX/XXXX and was told that my identity must have been stolen and the culprit is actively using my social security number ; the person applied online and tried to lease a room in the said company name listed above for a year. 
XXXX emailed me the lease contract that was created under my name and it states that I moved from XXXX   to XXXX. In the contract, submitted under my name falsely, someone was listed as a contact or claimed to be my friend and she is supposedly my emergency contact. Her name is XXXX XXXX, contact information ( XXXX ) XXXX email : XXXX. It also says in the contract that I am currently employed at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, supervisor name is XXXX XXXX, ( XXXX ) XXXX. In the contract, my maiden name, previous home address and current social security number were provided ; my drivers license, income, phone number and the date when I moved out of my previous home were incorrect. Obviously, someone has my vital information and is pretending to be me. I am contacting the FTC to prevent further damage to my identity and credit. 

Thank you, XXXX XXXX ''
Consumer complaint received 2019-03-22
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)

During XXXX I had received a copy of my TransUnion credit report and noticed that it was several inaccurate accounts being reported within my credit files from TransUnion. I began disputing those negative and inaccurate accounts with TransUnion on to keep computer generated results stating that the accounts were verified. These accounts are adversely affecting my credit in various ways because the information being reported is completely inaccurate and erroneous. 

XXXX  XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX   XXXX XXXX ACCT # : XXXX AMOUNT : {$59.00} XXXX   ACCT # : XXXX AMOUNT : {$1200.00} I've also requested that my personal information be updated as well to reflect my legal name and address for delivery of any mailed per FCRA Section 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Consumer complaint received 2022-05-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

I have tried to contact TD bank many times including walking into their branches to explain to verify the debt they report owed to them with no response after hours of circling me around different department over the phone they end up hanging up the phone. not able to see the debt on their end let alone verify it, or agreeing to delete the trade line from my credit report. as you can see in the attachment I finally contacted them by certified mail to verify the debt with no response.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-13
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. (WI)

I went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/2020 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 - XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax Im seeking the resolution to have these inquiries deleted from my credit reports.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

There are continuous fraud activities going on daily and a person should be able to check and validate the credit report. This method is not a problem with XXXX and XXXX. However, Equifax disallows XXXX XXXX, especially when out of the country, to be able to view and dispute the report. Because this has happened many times, Equifax was reported to the Federal Trade Commission for bad business practice and possible fraud activities.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (SC)

I was contacted by BB & T VIA mail that I had a account balance of {$50.00} in the supposed account. I then went to the Local BB & T Branch where I live in XXXX South Carolina. Upon arrival I inquired about the account and the bank teller said that it was fraudulently opened online and she asked me to provide her with my social security number. She then cross-referenced the information on the computer and realized that the individual that did this had indeed my true social security number and that's how they opened the account.
Consumer complaint received 2019-06-27
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: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I currently have open collection with Evergreen Professional Recoveries Inc. The original amount owed to them was {$300.00}. A payment of {$150.00} was made to them on XX/XX/2019, bringing my total amount owed to {$150.00}. On XX/XX/2019, EPR reported to the XXXX XXXX that I still owed the full amount of {$300.00}. I made a dispute to XXXX XXXX, stating that they are reporting the wrong amount, as I made a payment to them two weeks prior. XXXX XXXX received my dispute on XX/XX/2019, and was completed XX/XX/2019. 

The result of the dispute was verified as accurate by EPR, and it stated that the amount of {$300.00} will stay on my Credit report. I contacted Evergreen Professional on XX/XX/2019, to confirm what the remainder balance of my account was, which the informed me was only {$150.00}. I asked them why this amount isn't being reported to the Credit Bureaus, to which they told me it the Credit Bureaus error. On XX/XX/2019, again, Evergreen Professional Recoveries reported that I still owned full amount of the collection. 

As of XX/XX/2019 the full amount is still showing up as owed through XXXX XXXX, XXXX XXXX and the XXXX XXXX. Evergreen Professional Recoveries Inc., is the only collections company that I have had issues with reporting the correct amount to the Credit Bureaus. I believe they are in violation of the FDCPA, and I feel like they are a completely untrustworthy collection agency. The reviews of this company shows similar instances of them reporting false information on other accounts.
Consumer complaint received 2019-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Capital Alliance Financial, LLC (NY)

This place is a scam. They offered me a XXXX loan and said I had to buy XXXX XXXX   because of problems with my credit. They took the logo and name, XXXX XXXX XXXX, from a machine finance company in XXXX which when confronted with they denied. He then asked me to go get a XXXX XXXX card to pay the XXXX XXXX which sent up red flags. The guy I was talking to was named XXXX XXXX and his number is XXXX. I'm sure it's not his real name as he had a thick XXXX accent. They are preying on people like me who are in financial straights.
Consumer complaint received 2022-05-13
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau 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 accounts that are reporting on my Credit Reports : XXXXXXXX XXXX  XXXX Balance : {$17000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-05-13
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ....
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an AMEX Delta Skymiles  card in mid XX/XX/XXXX, in response to a 60k Delta bonus miles offer ( XXXX for {$2000.00} in purchases within the first 3 months of membership ). I made a XXXX-XXXX  purchase of exactly {$2000.00} on XX/XX/XXXX, meeting the offer requirements. 

On contacting customer service the first week of XXXX, I was told that an investigation would have to be opened into why the charge was not registering on their end. I checked again on XX/XX/XXXX and was told the investigation was resolved and i would get my bonus miles 8-12 weeks after the charge date ( XX/XX/XXXX ). It is XX/XX/XXXX today ( more than 12 weeks ) and on contacting customer service, was told another investigation would have to be opened into why i haven't received my miles and that could take 6-8 weeks. 

AMEX is not fulfilling on its advertised offer and the long wait times are affecting my travel plans. Customer service is clueless and can only offer an endless loop of investigations that apparently take months to complete. Very disappointed!
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (NJ)

SIMM Associates XXXX Inc who is not authorized to conduct business in New Jersey is a violating my consumer rights. Without my consent 15 USC 1692c ( a ) they have contacted me to attempt to collect an alleged debt that is unverified. I am requesting that this debt collector cease unauthorized communication with me via all mediums, including but limited to ; text, mail, phone, consumer credit reports, and courts.