davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX  dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX  clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

The Equifax website contained a form to apply for a credit freeze. Yesterday, I submitted this form twice and got no response. Today, they stopped taking credit freeze requests. 

Please nail Equifax for the hack of their credit reporting system. Prosecute both Equifax and their CEO to the full extent of the law, and advocate for tougher laws that will hold these lax companies and their CEOs criminally liable for the adverse effects of hacks, including prison time for CEOs. 

Please augment your website to receive public comments about the Equifax hack. This is a golden opportunity for the CFPB to gain widespread public support -- IF you can provide effective relief from ID theft that Equifax enabled.
Consumer complaint received 2017-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (AZ)

On XXXX XXXX, 2017 I discovered Bridgecrest Credit Company , LLC had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to the FCRA. I did not receive any such notification.
Consumer complaint received 2017-08-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (CA)

I was a XXXX hired to do the signing for a Discover Home Equity loan on X/X/17 in XXXX, CA. I agreed to do the loan signing for {$90.00}. I have received 2 checks for the payment from the third party, Mortgage Docs Inc in XXXX, CA for payment, both of which have bounced. The loan was closed and funded due to my services. I have contacted the loan officer at Discover multiple times as well as spoken to supervisors, all who have promised to contact me regarding my payment, however no one has.
Consumer complaint received 2017-10-17
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. (CA)

I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it XXXX or not be related. The Equifax breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Equifax : XXXX/XXXX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX BANK XXXX, XXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these XXXX giant credit bureaus.
Consumer complaint received 2017-09-09
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. (CO)

On XXXX XXXX, 2017, Equifax experienced a massive data breach, which put over 143 million million people at risk for identity theft. 

According to Equifax 's records, I am one of those people. Hackers have my social security number, birthdate, address, etc., which they can use to destroy my credit and everything I have worked for. I 've known people who have had their identities stolen, and it 's taken them years to get their lives back. 

This should not have happened -- not to a company that 's in charge of incredibly sensitive information. 

Also, Equifax is offering me ID protection in exchange for an arbitration clause, which I believe is unethical.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (OH)

Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.
Consumer complaint received 2020-07-11
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX  verifies account. CLOSED STATUS AND DATES ARE IGNORED.. 
Some of these accounts were closed by me, have a XXXX  balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future. 
1. XXXX XXXX Opened:XXXX, closed by me, with a XXXX  balance XX/XX/XXXX. Eight years since I closed it.

2. Neiman Marcus/capital one Closed by me, in XXXX, 9 years ago, with XXXX balance. 
3. The same situation for Saks Fifth Avenue/Capital One XXXX. 
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago. 
5. Lord and Taylor, opened and never used. Forgot I had it. Closed account due to inactivity. 
6.Capital One Over 7 years. Closed and paid in full. 
. 
THIS ACCT NO. APPEARS TWICE on some reports. 
7. Capital one Charged off, written off and now reports past due. Seven year deadline has past on this Account.

8. XXXX XXXX : Cllosed. 
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in two separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping.

The list goes on and XXXX  fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : Neimans, Saks, etc., and can not help.

9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple Capital One cards, and XXXX XXXX cards fall. Count II : over seven years. 

10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late. 
XXXX XXXX : over 7 years of Reporting. 

Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX  and XXXX.

XXXX is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this. 
I can't build credit because of this. Damages are accruing. 
Please review and require immediate correction.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector
Consumer complaint received 2017-09-09
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. (CA)

I am a potential victim of the Equifax 2017 Cyber Security incident according to https : //www.equifaxsecurity2017.comXXXX. Furthermore, attempting to create an initial Fraud Alert on Equifax 's website ( https : //www.alerts.equifax.comXXXX ) results in an error.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

On Thursday XX/XX/2021 my credit scores from all three credit reporting bureau 's dropped a whopping XXXX points. I had know Idea why but I watch my credit score closely and was notified by my bank. I checked the credit reporting companies and they staited the the cause was a delinkquent XXXX XXXX charged by a company called Transworld Systems which represents the unregulated power company in XXXX called XXXX XXXX XXXX. They claimed I owed XXXX XXXX XXXX. Now I have never lived in XXXX  and I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for about 40 XXXX The following information about the fradulent XXXX XXXX bill was on the XXXX web site : Account XXXX : Amount past due ... ... ... ..Not Reported? 
Bureau Name Transworld Systems Account type : ... ... ... ... ... Not Reported? 
Original Lender : XXXX XXXX XXXX  Responsibility : XXXX XXXX of account : ... ... ... ... XXXX month? 
Credit Limit : ... ... ... ... ... ... ... Not reported? 
Higest Balance : {$850.00}. Thats it, that's all the fradulent billing they presented to the Credit Bureaus that severely damaged my credit score. 

Additional documentation into the dispute said only this : Account Number : XXXX Account type : Collections Date opened XX/XX/2021 {$850.00} past due as of XX/XX/2021, that a XXXX power bill for ONE Month! 
Terms : one month. 
After disputing the 3 bureau 's, I called Transworld directly at XXXX and spoke to a rep named XXXX. I told her this was a mistake on their part, that I was a XXXX XXXX and very knowledgeable about the FDCPA Act and the FCRA Act, so we could forgo any lies or made up stories about how this happened. The reps attitude changed for the the better Immediately. She told me that the bill was actually from a location in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX then asked for a copy of my drivers License to which I said absolutely not. I reminded XXXX that XXXX XXXX can not under any circumstances do business in the state of XXXX as the XXXX have never given them any type of approval to provide any service to customers in XXXX. But we did make an agreement that I would give her a ( partial ) copy of my latest XXXX XXXX XXXX with the account numbers blocked out ( they already had that information ) and they agreed repeatedly to provide me with a hard copy of the investigation that was expected to take 30 days. I have zero faith that they will comply. So it really comes down to 10 Power breaking federal Interstate commerice laws, which is quite serious. I will now be filing a complaint with the Federal Trade Commission which makes their actions a felony.
Consumer complaint received 2023-04-17
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. (MI)

Upon checking my credit report it is showing a different status then what the original loan is through I'm not sure what is going on but I am very unhappy about this and this is a violation of the Fair Credit Reporting I am trying to get something done with this in it this is actually forcing me to go legally because this is so unfair I don't understand why the credit reporting is getting away with us there are a lot of unhappy people
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX, XXXX, I tried to submit a credit freeze application online at : XXXX XXXX XXXX ... resulting in an unexplained failure. No useful reason was given : " We are unable to honor your request online. 


If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency or the Department of Motor Vehicles ( DMV ), the fee will be waived. 

... ( words about sending paper to them to do a paper request in this day and age of Internet everything ) ... 

You may also submit your request electronically at experian.com/upload '' The experience at experian.com/upload was equally dismal and unprofessional and the failure equally unexplained. After I uploaded my documents, the reply was : " We 're sorry. We were unable to honor your request. 

To submit your request by mail, please send your documents along with one copy of a government issued identification card, ... 
" Multiple attempts did not work. 

If they reject an online application, they should provide a decent explanation and provide a way to resolve the issue without resorting to time-consuming paper or telephone. Otherwise, it is reasonably construed by the consumer as an attempt to reduce credit freezes in order to maximize revenue ( from selling credit information ).
Consumer complaint received 2017-09-09
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. (MA)

I learned through friends that Equifax had been hacked and that I should check to see if my personal information, including credit card information, had been accessed. I determined through Equifaxs website that my information was, in fact, compromised, and I placed a 90-day fraud alert on my files. 

At no point did Equifax contact me to let me know that my information was compromised. The burden of determining whether or not I was compromised, and then fixing the issue, should rest with Equifax, not me.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

When I was purchasing a vehicle in XXXX XXXX and XXXX XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (TX)

i have multiple inquiries not unauthorized by myself XXXX XXXX on equifax and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically
Consumer complaint received 2017-09-09
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. (CA)

On XX/XX/2017 I was informed of a breech of Equifax 's service affecting 143 million users. The page they provided told me my ssn, drivers liscense, home address, name could be compromised. I have put a 90 day watch on my credit but my private data is now considered public domain.
Consumer complaint received 2017-08-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (FL)

My husband XXXX XXXX XXXX have spent the last 9 years in court XXXX XXXX XXXX. They have tried to foreclose 3 times. The court records show I have life estate on the property, I have keep up the taxes, ins. and up keep. They pay the taxes before I can get there to pay them then give me a hard time when I try to repay them. I get flood insurance to the max for the property they then say I did not pay enough and try to foreclose, last year I had to send them an additional XXXX hoping they will leave me alone. Yesterday I got a form letter to fill out about the reverse mortgage today I got the same letter certified I sent the info they needed Now a real estate appraiser wanted to know when I could let him into the house I told him I have life estate for XXXX to contact me directly. I just need them to leave me alone. I am on a fixed income need help.
Consumer complaint received 2021-11-30
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)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! XXXX XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (FL)

I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX on XX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.