davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

Long before I had closed my electricity account I paid a debt to XXXX XXXX  XXXX in full and they decided to Report that anyway as an outstanding debt to the credit bureaus. Four months I have painstakingly going step-by-step through the process of disputing it both with the utility company and Equifax but they havent ignored my requests. 

And foremost I do not told them that that and is the reason why I continue to have my current electricity on and functioning. 

That collection account has destroyed what Ive been working on for a long time to have good credit and not oh anyone.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have an open account from commenity capital bank that is connected to a contract that was made fraudulently with XXXX XXXX XXXX. I received a copy of the contract after my first dispute and both companies are saying even though Im saying I didnt sign the contract they have my signatures. I found out the signatures are docu signed but I didnt signed for this account. Originally there was two accounts and they both was immediately closed this particular account stayed open because of a balance I wasnt aware of. According to XXXX XXXX the account is reporting 4 payments behind and its a year old even the generated bills account number has changed
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KLS Financial Services, Inc (NC)

I work part time as a contract employee at XXXXXXXX XXXX XXXXXXXX in NC. The company had an invoice that had been sent over to collections to KLS Financial late XXXX. The original company had given the collection company our office contact info and must have given them my personal number as well. I contacted both the company and collection company on a regular basis to let them know how the company was paying the invoice, as we had updates. XXXX XXXX started contacting me in XX/XX/XXXX. I have repeatedly responded to her incessant calls, I originally called her back on XX/XX/XXXX, received her vm and left her a detailed message. I have repeatedly asked her to email me, reply to my emails and confirm receipt of emails. She never does this, in particular, when I have emailed her and let her know not to call myself or family/friends to try and get a hold of me. I have put it in writing to her twice and have yet to receive a reply. She has called my husband, and called 2-3 other people I know that have informed me they have received a vm from her. This invoice/bill is to the company that I work for, I do not own the company and have told her I am only an employee. I am absolutely furious that she continues to harras me on a personal level when this is not even a bill of mine. I am an office worker that just does admin duties there. What gives this company the right to harras an person that works for a company when the bill/invoice is not in my name nor affiliated to me any any way. I have forwarded another email to her today XXXX sent at XXXX, in this email which was sent from my work email, I included the people that work for the company that XXXX XXXX works at as well so that they can see the correspondence. The forwarded email was my original email sent on XX/XX/XXXX letting her know I left her a detailed VM and again was requesting she only call me at the office number which i gave her or my email and to stop contacting anyone else. I also let her know I was only an office worker and this was not my personal debt.
Consumer complaint received 2022-01-25
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. (TX)

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXXXXXX 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 2022-10-07
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. (TN)

Company 1 : XXXX XXXX XXXXk Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NV)

You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. 
Please remove this account immediately and CEASE all reporting to all XXXX credit reporting agencies
Consumer complaint received 2020-02-26
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. (AR)

I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (PA)

My name XXXX 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 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 2020-02-26
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. (AR)

I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX {$190.00} XX/XX/XXXXXXXX {$300.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$10000.00} XXXX XX/XX/XXXX XXXX {$100.00} XX/XX/XXXXXXXX {$6300.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX {$1700.00}
Consumer complaint received 2020-02-26
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 tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2022-01-25
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. (TX)

These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (CA)

I placed a bed on the XXXX site, and a person originally purchased it. I mailed the bed to the person, upon receiving the item, the customer changed her mind about the purchase and subsequently was supposed to send it back. Therefore, a refund was processed on the account. However, the bed was never returned to me. Even though, I had tracking information from United States Postal Service, it never showed up. I was informed that the bed was lost in transit by the USPS. 

I paid for the shipping costs when I sent the bed to the buyer, and the customer should have been responsible for the shipping costs to send it back to me. The issue still remains, I never received the bed from the customer. 

XXXX has sent me a bill for shipping costs for a bed that I never received back. Further, there must be a mistake about the shipping charges, as I sent the bed originally to the customer for a much lower price. 

I have spoken to XXXX  on several occasions about this issue and have gotten nothing less than the indifference to my concerns. 

I do not feel as though I am responsible for the shipping costs that appear on the notice that Im sending you. I would appreciate if you folks could provide some assistance with this nightmare issue.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2020 ( today ) I deposited {$420.00} into my Bluebird by American Express checking account through their partnership at XXXX. ( Through the money center, Bluebird transaction ID : XXXX ) I proceeded to buy a few grocery items while I was there and by the time I got home I received an email saying the following : " During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : D22 Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call XXXX  XXXX XXXX at XXXX. 

Thanks, The Bluebird Team '' I called their account privileges number and was told that my account is permanently closed for a return of some kind, I repeatedly asked for more information or if there was a corporate number I could call or if they could send the remaining balance to the address on the account. I was told there was nothing they could do. I can't log into my account or use my card, I can't find any more information regarding what actually happened. There was no other activity before today for at least a few weeks also. 

I called their customer service number repeatedly attempting to talk to a human being but the computer just says my account is suspended and hangs up, offering no more options. The automated email that is sent afterwards wants me to write to a PO box .

This has apparently happened to hundreds of others with the exact same issue, had I known they did this I would have never banked with them. All I would like is access to the money I just deposited today.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

I have been a member on american express for years and on XX/XX/XXXX my auto-pay for a ridicuolous amount of {$39.00} did not go thru. 
I have been charged late fees and never complained. 
My balance being {$4600.00} on a credit line of {$9000.00} ... Now, on XX/XX/20 american express notifies me via email that due to a missed payment of XXXX $ ( for which i paid XXXX $ of late fees ) ... they have reduced my credit line to {$4700.00}. 
Which leaves me suddenly with an available credit of {$100.00}! 
This is obviously impacting my credit score as well, whereas my card usage was around +50 % and now showing a card usage of around 99 %, due to the unnecessary and unreasonable credit line reduction.

I have called customer service and the credit line dept. gave me 2 options '' 1- pay +XXXX within XX/XX/XXXX. This option will grant the restoration of my credit line to {$9000.00} ... also known as " forced financial extortion ''! 
2- submit documents of my income and MAYBE they will consider REVIEWING THE CREDIT LINE. NO GUARANTEES.

American express more than once overcharged me high interests ( based on a mathematical formula only known to them! ) and never returned the funds.

Now their fraudulent actions are affecting my credit score and everyday life as well. 
This needs action from CFPB.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX reported me 30 days late to XXXX for XX/XX/XXXX and XX/XX/XXXX. I was not and they were paid of in XXXX. They show me 30 days late each month for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax and I was not and this was corrected and removed and now put back. This account is over 15 years old and is closed and should be removed from my XXXX and Equifax report. All that XXXX XXXX XXXX has done is stop my refinance again.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Follow up to my previous complaints. 

XXXX-XXXX  Today I was told that BoA can no longer try and resolve this issue with me because the CFPB is involved. 

Is that correct? 

Also, this is a sample email and I have attached a file below to show you how confusing they have chosen to be and how they have avoided telling me about their errors and correcting them. Not one person who looked at the spread sheet could understand what BoA was trying to clarify. They just made issues worse.

Here 's the email : Mr. XXXX, attached is a summary of the activity on your account broken out by principal, interest and escrow. I believe this detail will be helpful in explaining your monthly statements, including the Past Payment Breakdown totals. Your statements do accurately reflect the activity on your account, though I recognize clarification on the activity may be beneficial.

Id like to arrange time to go through the activity with you and address any questions you have. 

Please let me know what time is best for you. Thank you. 

XXXX XXXX SVP, Unit Manager II Onboarding & Client Experience, Mortgage and Vehicle Servicing Operations Bank of America XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX T XXXX XXXX Lifes better when were connected This communication from Bank of America may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you receive this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information.
Consumer complaint received 2020-02-26
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: Receivables Performance Management, LLC (PA)

I Checked my credit to see a negative report from RCVL PER MNG for XXXX for {$2400.00}. This is an incorrect reporting. The devices were paid off on the account shortly after XXXX XXXX closed my account citing fraudulent activity. They never provided any proof as to why the account was closed. I am not sure where this debt has come from all of a sudden but this is a very old account that does not need to be on my credit account.
Consumer complaint received 2022-12-15
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. (SC)

I've sent Letters to all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports. 

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (MS)

Evening, I'd like to inform you that I have submitted personal dispute letters regarding my credit reports that I recently obtained. I have received none stop high APR credit card offers in the mail & I do not think it is fair or legal to invade my privacy far as having this sort of information being reported inaccurately on my credit report. I sent in a letter asking the credit bureaus to investigate this issue & they sent me back a letter stating they needed more identification to prove I was really who I am, I sent in my Driver Licenses, SS Card, Proof Of Mail, and they wanted to make sure I wasn't a Credit Repair Organization? It is not illegal for me to obtain Credit Repair from an Organization according to the FCRA. The letter is provided below & I would like for this issue to be fixed asap as it is hindering me from obtaining credit during this Recession.