davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX to : Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Credit Inquiry To Whom It XXXX Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Contact : Not Available
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NV)

I got a postal mail offer from Walmart to open and use their store credit card with several discounts for online use. i filled out the response letter and sent it back through the united states post office with my pre approved confirmation code stated on my return document and several months later i get a letter saying they could not grant my request because i had asked for credit from there company too recently, but that was not true i only submitted one return response to open a credit line with Walmart. i see on my credit report that walmart sent a hard inquiry on my credit report inXX/XX/XXXX and also again on XX/XX/, they made a mistake where they " charged '' my credit twice for one inquiry.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-21
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

Choice recovery inc. is attempting to collect a debt in the amount of {$320.00} from XX/XX/2016 that I do not owe because I had insurance through Medicaid/ caresource at the time that covered 100 percent of my medical expenses and have had the same insurance since then to present day. This is severely negatively impacting my credit and has been for some time and I want it removed from my credit report immediately as I know that this debt was paid. I intend to prove this by attaching a copy of my insurance card so that this can be confirmed
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX XXXX account # XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Over the last two years I have requested Promissory Notes for several loans in my name questioning if they are valid. I have contacted Navient and the US Dept of Ed and made multiple request that have gone unanswered. I need help getting this information and making sure that all these loans even belong to me.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS AND TAX LIEN APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-21
Product: Credit reporting 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)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX Accounts have 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 XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I have several student loans all which are consolidated thru Navient and the Department of Education. I began my schooling career in XX/XX/XXXX and completed 2 XXXX degrees in XX/XX/XXXX, then a XXXX  in XX/XX/XXXX. In XX/XX/XXXX i filed bankruptcy. After about 4 or 5 years i realize that i was not getting and keeping gainful employment and was relying solely on my XXXX check XX/XX/XXXX% of the time for my survival, i wrote the loan companies asking to be dismissed as because i was a person with a XX/XX/XXXXXXXX. The loan companies wrote me back and turned down my application without further ado. Now 12 years later i still have not had any gainful employment to speak of and the loaners are always ringing my phone. This is very disturbing for me emotionally, i spent nights crying about these debts i collected or was allowed to collect, equaling almost XXXX dollars. 
So i just read that there was a suit against these loaners because of other people with similar circumstances as me. So I am submitting a claim in hopes it will be reviewed and some sense can finally be made of this situation.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX I closed my Bank of America XXXX XXXX  credit card card ending XXXX. On XX/XX/XXXX I received an email notification that I had a new bill with Bank of America, an institution with which I have had no banking relationship for over one year. I called to speak with a BofA CSR and eventually escalated to a supervisor. They claim that they have the authority to continue submitting payments to merchants on my behalf despite the fact that I do not have any relationship with Bank of America. This account has been closed for more than 12 months. I maintain my credit fastidiously. A less diligent consumer could easily miss the fact that an account long since closed is now back and accruing interest and potential late fees. I demand that Bank of America rescind this charge and forever close this account.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I'm contacting these agencies in regards to credit misrepresentations, there's collections on my report inwhich even the orginal account has been removed due the investigated accounts not being mines. So the collections themselves must also be removed, in order to satisfy the language in the FCRA, the dates to reflect them accounts are as following ... XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (MN)

I contacted Hunter Warfield and informed them that the debt was false and they never responded. I am currently going to court, the party that falsified this debt has tried to settle out of court ( which I declined due to them stealing my money ).

If Hunter Warfield doesn't comply, I will file a law suit against them next.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Reported USAA fraud in XX/XX/XXXX, every month thereafter in XXXX thru today XX/XX/XXXX. - I spoke with USAA customer service reps reported fraud all year, - I spoke with USAA Fraud department reported fraud all year. I froze my USAA account do stop further fraud. I filled a police report. I filled USAA transaction disputes all year.. Problem has not been resolved by USAA. I received a USAA statement in the mail with a remaining balance, I filled a police report as all remaining charges on said card are fraud. No response from company.
Consumer complaint received 2018-12-11
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: SYNCHRONY FINANCIAL (IL)

I have a inquiry on my XXXX  credit report from synchrony. I have call XXXX and synchrony and no help getting this inquiry off my credit report. I use XXXX  XXXX  for credit info. The inquiry took place on XX/XX/2018 XX/XX/2018
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (VA)

My coinbase account got hack and it took me XXXX and XXXX to get ahold of coinbase. It was so hard to figure how to lock my account. I lost {$18000.00} it was transfer to XXXX XXXX XXXX some where on the west coast. The last digit of the account is XXXX.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

This issue is in regards to the business account that was opened in XX/XX/XXXX. The company responded that I am not eligible for the bonus but at the same time honored the bonus to my friend. Please see attachment. 

I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
Consumer complaint received 2018-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc. (IN)

On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.
Consumer complaint received 2022-06-14
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. (FL)

I filed a CFPB complaint ( XXXX ). Equifax response was " FACTUAL RECORD OF FILE ACCESS '' for each inquiry I have disputed. I simply asked Equifax to send me the documents that they used to verify the accuracy of the disputed item ( s ). It's the business record ( the document ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s ). The company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit. 

I have attached again my letter to Equifax that was dated XX/XX/2022. As you can see in the highlighted areas i asked them to verify the accuracy of my inquiries and to give me a copy. 


Please help me to have Equifax to show me the documents that they used to verify these inquiries. If they fail to do so, i want these inquiry 's to be deleted from my credit report and be sent a new report to my home address.
Consumer complaint received 2022-11-30
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USCB, Inc. (CA)

I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously.  After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me.  She abused and overwhelmed me intentionally for no reason. I don't know why.  I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well.  I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally.  Both of them are personally liable to me for abusing and hurting me.   What they did was illegal and manipulative. They had bad intentions.  I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging.  Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them.  I will not tolerate abuse coming from two teenagers. The appropriate  government agency should not tolerate it as well. Please  discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.
Consumer complaint received 2018-12-11
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)

On XX/XX/2018 XXXX XXXX acquired my mortgage from XXXX XXXX XXXX. Shortly after that, the 13 years of mortgage payments disappeared from my credit report affecting my score by about 100 points. I contacted XXXX about this issue around mid XXXX. The customer service person stated they had 60 days by law to not charge late fees, report to credit and they did their reporting on the XXXX of every month. XX/XX/XXXX comes and goes and still no reporting. I called them again to inquire in late XXXX, the customer service rep had no explanation, and said I should check back XX/XX/XXXX. Still no reporting to my report
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, I have been trying to reach experian regarding misinformation they have on my account. I had a loan XXXX XXXX which I have paid in Full. For some reason Experian is telling XXXX and other credit cards I have not paid that and is still showing my bankruptcy from XXXX. I have tried to call experian multiple times on this matter. I have tried getting this done over the past few months. I was on the phone with them and XXXX back and fourth today for over 2 hours. Today 's date is XX/XX/XXXX. 

I just wan na fix these inaccurate information on file.