davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (WI)

I have filed a complaint against XXXX based on the fact they are violating my HIPPA AND FCRA rights by placing these unverifiable bills on my credit report and experian is also violating my rights by allowing them to verify debts that this company doesnt actually have the necessary documentation that they need to comply with fcra at all they have no right to access my ssn which is need to verify any collection they also do not have a contract agreement with me and their company or me and the alleged hospital they dont even know whats the reason of debt if any and yet experian is not helping the consumer they are instead helping the collector which is not what they are supposed to do how can they verify one collection but not the other that is impossible all accounts must be removed and remain removed
Consumer complaint received 2017-09-24
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. (GA)

The FCRA states that the only permissible purpose for pulling someone 's credit is for 1 : FIRM OFFER OF CREDIT 2 : INSURANCE 3 : EMPLOYMENT 4 :  COURT ORDER. The following credit inquiries are related to none of the aforementioned permissible. I 've also been a victim of fraud. PLEASE SEE ATTACHED PAPER WORK FROM IRS. THE FOLLOWING fraudulent inquiries are as follows Equifax mortgage 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you will see some of these where done multiple times. I 'm not understanding how my credit is still allowed to be pulled when I have a fraud alert on my credit.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Th e MasterCard Gold Card, issued by Barclays, provided SCRA benefits for military service members when I applied for the card just over a year ago. As a   XXXX   member, I received these benefits. One of the benefits offered by Barclays was waiving the {$1000.00} annual fee. This fee  was waived for the first year. When I spoke to a customer representative on the phone, I was assured that these benefits, including the waived fee, would last for the entirety of my  XXXX   XXXX    XXXX   service.     A few weeks ago, I received a letter stating tha t Barclays is rescindin g their assurance to waive the annual fee and that I will be charged this fee by  XXXX   XXXX . I called   Barclays and was told that I could either cancel the card or receive the fee.
I plan on canceling the card in order to not be charged the fee, but would like to extend a chance to Barclays to review this practice of making an initial offer to service members and then removing that offer just a year later. This has affected myself as well as ma  ny men and women that I am proud to serve with.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CO)

It says I have a XXXX credit limit on my Best Buy card But then says I have no available balance & have spent XXXX on it. 

When I called to ask what it was about, the account was conveniently closed today & they can give me no reason behind it. I have been sitting on the phone for almost an hour waiting for a supervisor to answer & tell me whats going on but they keep saying they cant for privacy reasons.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

On XXXX XXXX, XXXX ; after attempting to get a car loan I found out that Experian had merged my information with a another similarly named individual and had taken his credit information and merged it with mine. His information was the sole reason why I was unable to get the loan. After a few days I was able to resolve the merge but the subsequent hard credit pulls has damaged my credit in such a way that I would not be able to get the loan. Experian would not cooperate in helping me resolve this situation.
Consumer complaint received 2017-09-25
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. (MD)

I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
Consumer complaint received 2022-09-09
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)

XXXX XXXX was the company that did the credit inquiry. The credit inquiry was based on receiving a vehicle I wanted to do a build for. It was contingent on doing business with the car dealership on providing a build to the manufacturer. I was advised it may take a while to receive but they could deliver. However I found out the following day they couldnt deliver and didnt have allocations to order the vehicle. That wasnt what was discussed, and the credit check was solely for the purchase of ordering the truck. If they couldnt order it and didnt have the criteria to, then my credit being checked was invalid. I do understand that the salesperson may not have known they didnt have the allocations, however that was the only reason my credit was ran. So if the vehicle cant be ordered or delivered I want the inquiry removed off my credit report as it was no purpose to check or run it without the dealership being able to deliver a vehicle I requested. In all fairness they agreed to give me a letter to provide Transunion to ok the removal of the inquiry. Then a head manager decided that he didnt want to allow the other manager or supervisor to do it. Now I have a inquiry on my report for no reason and points from my credit report reduced. Its been almost a month and I still have no confirmation that the truck build was able to be requested.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the state of XXXXinancial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.
Consumer complaint received 2017-09-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GreenSky, LLC (OH)

I signed with a company in XXXX, Ohio to fix my roof. They Signed with Greensky Trade Credit in XXXX, GA for a 12 month same as cash loan. Greensky never billed me until XX/XX/XXXX which was after my daughter and son both called on separate occasions to get a bill. They charged me two late fees of {$39.00} each for XX/XX/XXXX and XX/XX/XXXX. I never knew about a bill and was waiting on it to pay. My son spoke to their representative about the bill and why we had not received one and they waived one late fee. They never mentioned the first late fee and we were not made aware of it until after paying the loan off. My son called on XX/XX/XXXX to try to get the money refunded and spoke to XXXX who made no sense and stated their records show that bills were mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That was never told to us either until we called asking for a refund. XXXX would not authorize the refund nor would he allow my son to speak with his boss. He only said their information is public and my son was welcome to look it up. He said this is " Only {$39.00} '' but I am XXXX years old and this is just wrong. They never billed me and I believe he is lying about the billing.
Consumer complaint received 2017-07-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DE)

In reference to credit card account ending in XXXX please be advised that I did contact the executive office several times in XXXX and XXXX 2017 by leaving voicemail messages in reference to this account and received no return phone call to date. I attempted to reach Chase before this account was closed in the middle to late XXXX 2017.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian has re-inserted an account on my credit report that is fraudulent. I believe they are doing this to boost their sales of their id protection products. This is illegal and against the law. They refuse to allow me to dispute this account on line calling my claim frivolous. The following account is fraudulent and has been deleted and was fraudulently re-inserted on my Experian credit report : XXXX XXXX XXXX -- # XXXX
Consumer complaint received 2022-09-09
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)

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX FINANC Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-09-09
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)

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-02-19
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. (IN)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-02-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

1. Experian is reporting inaccurately XXXX XXXX XXXX XXXX XXXX account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX is a paid account.
Consumer complaint received 2017-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Shame on cfpb you did n't do anything monster SLS will Auctiin my home they never tryed to work out anything without attempts to help they sent my account to collection and they gave us 30 days to either pay {$XXXX} XXXX or they will Auction our home this is a shame embarrassment my husband was laid off ghen government shut down his school the stress put his health in great danger and myself i was diagnost with XXXX XXXX what 's going to happen to my XXXX with everything keeps happening all I need is to become home less we are waiting for his social security to come through government casss takes time XXXX SLS did n't do anything so many program they Justi want to take our home.
So when some one put in a difficult times or put on financial difficulty which caused by employer fact is there is no help government do n't care and all of these bank regulation and programs for mortgage assistance are just a joke I need help now Monster SLS is selling my home i need help
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NJ)

After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (TN)

I have had an ongoing issue with Equifax that involves my identity being stolen. I submitted the requested documents but they don't do anything to resolve my issue. There is an inquiry from XXXX XXXX that does not belong to me & I did not do. I have begged and sent appropriate documentation to have this deleted yet it still remains on my report. I am asking again please delete.
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Got a bill stating that I owe   XXXX   XXXX   XXXX  . I have NEVER had that insurance. I have been with one insurance company since 2000 and it is not  XXXX .
When checking CCS ( Credit Collection Services ) online, I have found that this is a common scam they have been doing for years.
I do not want to contact this company in fear that they might get my home phone or work phone and harass me.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

Card number ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas  XXXX  Las t 4  of SS #  XXXX  I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim.     (  1 )    XXXX   XXXX    XXXX  {$7.00 } ( 2 )    XXXX   XXXX    XXXX  {$19.00 } I need t hese funds returned at once. Please assist me in this matter.
Consumer complaint received 2017-09-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have been disputing the consumer credit reporting agency, Equifax for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to XXXX. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that XXXX added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent XXXX was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
I also sent a request to remove addresses that did n't belong to me and update my current address. As well as removal of the inquires that I did not authorize : XXXX XXXX XXXX and XXXX.