davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (VA)

I recently went a few weeks ago to apply for a secured credit card for the first time at my local BBT Bank with my twin brother. A week later when we received our decision we found out that they accepted his application but denied mines. I then called my local BBT Bank and they said that when the application was sent off the company had combined us together and then they said I had to contact you all to fix this because you all think my brother and I are the same person.
Consumer complaint received 2021-05-04
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)

There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.
Consumer complaint received 2021-05-04
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)

There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.
Consumer complaint received 2017-12-18
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. (NY)

On XXXX XXXX 2017 I called Equifax and spoke to a rep regarding my dispute # XXXX of all unauthorized inquires that was reported as " verified '' and I asked how were they verified. The Rep told me that they really can not investigate inquiries and that even though they give you the option it seems to do so and use " unauthorized access '' and that if I feel that it was not me to call the companies and have them modify it. I asked for a supervisor. I was told the same thing and that I could go to fraud department and put an alert on my account. I proceeded to state that why even offer the option to dispute inquiries if there is nothing that this department which is the Dispute Department can do about it. Plus to tell me to contact companies I already contacted before I disputed with you and that you clearly stated you investigated in your report but you just now told that you do n't do which I believe to be true because if you had it would n't have been " verified '' as was reported back to me. That seem to be misleading plus to tell me to prove that I am a victim of fraud when not only 6mths to a year ago I had a case of identity theft with someone opening a XXXX XXXX Credit Card and putting a freeze and fraud alert on my accounts and that Their own company notified ME that my info was a part of the breach Is utterly ridiculous to me. Plus I was told to get a police report which the police had already advised me that it was a non tangent offense since no offer was extended thus no crime was actually committed.
Consumer complaint received 2021-05-05
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. (OH)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I never open this account with XX/XX/XXXXand for sure do not owe them {$940.00}. I can not remember doing business with them. I disputed this account with CREDENCE RM and requested validation of the debt and until now they are unable to provide me proof that I owe you this debt. No update, changes, or investigation are made on this account. I carefully review my credit report from time to time and this is completely the same as how I disputed it the first time. My request for documents, statements, details about this debt, payment history are completely ignored. Which made me decide to escalate this and take legal action. CREDENCE RM needs to remove this from my credit report. There is no reason for this account to be in my credit report. If CREDENCE RM is unable to provide me documents that I needed to validate this account no reason that it should be showing and negatively affecting my credit score at all!
Consumer complaint received 2022-04-03
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. (NC)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I've contacted the original creditor and hey sent proof of the inquiry to be deleted but yet the company has failed to comply with my request and have no proof and supporting documents that the inquiry is not mines.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My original complaint is # XXXX. This has still not been resolved. As a matter of fact I still have not spoken to anyone at B of A other than XXXX XXXX. She called me on XX/XX/XXXX to make sure i was the one who filed complaint and said someone would be calling me to talk to me about it. Well on XX/XX/16, a man named XXXX called, and left a message for me to call him at the same number from my original complaint. I called and just like every other time, couldn't get anyone on the phone. I have now sat on hold for 29 hours trying to get this taken care of and still have never spoken to anyone. This fraudulent charge was made to my account on XX/XX/XXXX, 2020. in the amount of XXXX I started calling on the XXXX to resolve this to no avail.
Consumer complaint received 2020-11-10
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-09
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: Consumer Adjustment Company Incorporated (TX)

FIRST AND FOREMOST I'VE INFORMED CONSUMER ADJUSTMENT CO. OF THEIR ERRORS AND GAVE THEM THE OPPORTUNITY TO REDRESS THE DAMAGES VIA CERTIFIED XXXX MAIL ( TRACKING # : XXXX ), WHICH WERE IGNORED! IVE NEVER DONE ANY TRANSACTION WITH CONSUMER ADJUSTMENT CO. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. CONSUMER ADJUSTMENT XXXX HAS NO EVIDENCE OF ANY ALLEGED DEBTS. ITS IMPOSSIBLE! SECONDLY ANY ALLEGED AGREEMENT IS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CONSUMER ADJUSTMENT CO. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CONSUMER ADJUSTMENT CO. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), I'VE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THEIR INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Consumer complaint received 2021-05-24
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. (TX)

Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NY)

My payments are every XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XXXX, XXXX and XXXX of 2017. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (GA)

Company opened up debt in my name without authorization, I called company to verify but they refused. It is being reported on my credit account. I was a student on campus at the time and submitted my enrollment verification to prove i lived on campus. The company has changed the location of the account multiple times and refuse to remove.
Consumer complaint received 2020-11-04
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. (NJ)

XXXX XXXX is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.
Consumer complaint received 2019-08-14
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. (CA)

The following inquiries done by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I contacted Great Lakes Borrowers Services on XX/XX/22 to request a refund of the payments I made during the COVID-19 pause and verified the amount of {$8200.00} would be refunded back to me in the form the payments were made via direct deposit. The representative was polite and placed me on hold while getting approval and once she returned she told me the request was approved and I should see my refund within 5-7 business days. After not hearing anything or receiving anything I called again on XX/XX/22 and was told to be a little more patient and that it actually takes 4-6 weeks. It is now going past the 6 weeks and nothing still has been received.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some accounts that should be EXCLUDED from my consumer report : XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )
Consumer complaint received 2020-11-04
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. (NJ)

XXXX XXXX is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/2020. Spoke with XXXX XXXX XX/XX/XXXX. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.
Consumer complaint received 2021-02-03
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: DriveTime (FL)

On XXXX XXXX drive time added a credit inquiry to my report that I didn't authorize. I've never done any business with drive time. I've asked them to provide me with documents with my signature and they failed to do so
Consumer complaint received 2019-08-14
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of this year, my wallet was robbed of cash, credit cards, my atm/cr card, blank checks and gift cards. As a result, I had to close my bank account and obtain a new one as well as a new atm/cr card. Because of the delays many of my creditors were paid late in XXXX. None of my creditors reported negatively to the credit bureaus but Bank of America. B of A closed my account and reported a late payment. This one late payment was the only one in 81months! I have attempted to get this changed going thru XXXX twice but they are steadfast. I offered to give them the PR # but they just refuse and stand their ground. I do not believe I am being treated fairly. This was out of my control and it was one occurrence in years of being with them.
Consumer complaint received 2019-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.
Consumer complaint received 2019-08-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.
Consumer complaint received 2019-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.