davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The specific account is on Equifax and is no reporting on other credit agencies of XXXX or XXXX. It was removed and re-inserted without proper notice. I never received any documents nor certified mailing to my home. No proper legal validation of the account. The account is listed on Equifsx and no other credit agency. Dates listed on the account is improper of account activity and it is incorrect. I have disputed the account one the past years and was denied of my right of receiving a proper and correct investigation. The account is erroneous and reporting incorrectly on 1 credit agency which shows improper not valid and inconsistency. I asked for proper steps on how the account was verified through legal validation from the credit agency. I didn't receive any documents that I asked for. No one cou8ld provide that information to me. I am not sure how I received so many inquiries please remove them they done belong to me.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account from my credit report.
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/2020 I received a letter via XXXX from Midland Credit Management regarding a XXXX XXXX XXXX  XXXX XXXX '' XXXX XXXX  Mastercard. On Monday, XX/XX/2020 I contacted Midland Credit Management via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from Midland Credit Management I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed MIdland Credit Management that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that Midland Credit Management sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe Midland Credit Management any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form Midland Credit Management harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-14
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. (NJ)

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-09-14
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)

I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX ( Collection agency ) XXXX XXXX XXXXXXXX ( Collection agency ) Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts XXXX XXXX XXXX # XXXX- DELETE XXXX XXXX XXXX XXXXXXXX DELETE
Consumer complaint received 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

I've been in contact with your Chime customer service team, twice yesterday ( XX/XX/2023 ) and once today ( XX/XX/2023 ). 

Problem stems from a remote deposit. 

I've sent remote deposits before, through my Chime account. EVERY time I've done these remotes check deposits, funds have ALWAYS been available by end of business or end of same day! 

For some reason yesterday, I was informed by a Chime email that this " one '' particular check ( check # XXXX $ XXXX see attached ) was being held until XX/XX/2023, to make sure it didn't bounce? This makes no sense and not one of your reps can explain why " randomly '' Chime is holding this particular check? 

To add to the frustration, I've been told I can not talk to anyone regarding my concerns? I have emailed " SUPPORT '' twice now and called once. 

My Client/customer who issued the check, today ( XX/XX/2023 ) was going to " stop payment '' on this check through his bank ( issuing bank ) today, but was told it " CLEARED '' his bank today? 

I need someone to contact me by end of business ( XXXX time ) or I will be forced to take other action. 

There is no reason this should be happening! This is one reason why I do not use my Chime account as much as I used to and moved my direct deposit! 

2 business acquaintances told me of their problems with Chime, that's why I move my DD and do not use my Chime account, like I used to, in the past. I'm sure Chime uses algorithms and this may be why, NOW, a check is being held!? If so, although this is very shady business practices, I understand, because I don't have a ton of activity. 

Someone at Chime needs to have the accountability and " guts '' to explain why this happened! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (NJ)

For EQUIFAX. The following companies have fraudulently opened hard inquiries on my credit profile without my consent. I have spent weeks trying to figure out why I keep getting inquiries and this is because of identity theft. None of these companies will respond to me and they can not verify it was me that opened them. I have already contacted the police and I will contact my lawyer if this is not fixed. I need these inquiries to immediately be removed from my credit report. This is extremely urgent as I am purchasing a house for my family and this fraud is hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NJ)

I paid off my loan with NationStar in XXXX. I've never been late with any single payment. The loan was paid in full. In XXXX the NationStar reported to the credit beauros that the account was XXXX as of XXXX and added status DRG for XXXX. As the effect my credit score went down by XXXX points. I noticed that my score went down via XXXX. I immediately pulled my free credit report from XXXX  and saw the problem with NationStar reporting. I sent NationStar a meesage via their customer portal on XX/XX/XXXX and didn't receive any response. I called them as a follow up on XX/XX/XXXX and was told that the NationStar will start a credit dispute and I will get a phone call from them. It never happened. I sent another message via customer portal that was left unanswered by NationStar. The same issue involves my husband 's credit score, since mortgage with NationStar was in out both names - XXXX XXXX XXXX XXXX I'm looking for the bureau 's assistance in getting through to NationStar. It appears that they don't wish to deal with customers that have paid off their loans. Thank you.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX, XXXX, XXXX, my aunt attempted to lend me {$800.00} via XXXX. She used my email, which I didn't know at the time, was linked to an old Capital One account. I had not used the account in years and was unaware of why it was even still open to begin with. We attempted to cancel the transaction by calling XXXX, which is my aunt 's bank. They said they couldn't do anything because it was already accepted by Capital One ( my bank ). I then called Capital One because I had no access to the funds in that account. I tried to get them to tell me why I had no access to this account but, they wouldn't really answer my questions, only that it had to do with something from years prior, like I mentioned before, this account hadn't been used since XX/XX/XXXX, why it was still open in XXXX is beyond me. I tried to ask Capital One what were my options in order to either get the fund released to me or even sent back to my aunt. Capital One informed me that they would mark my account to release the funds back to XXXX XXXX  as long as they received a letter from XXXX stating to do so. My aunt said she spoke to XXXX on two separate occasions asking for them to request the money back and they informed her that they did. When I called Capital One again, they said they never got anything. 
Basically, Capital One is holding onto my money for no reason what so ever because the account is not and was not overdrawn prior to the money being deposited. There was no pending charges either. I even spoke to the company XXXX and they refuse to get involved. This has been going on for months with nothing happening from either bank. I've tried to get this solved numerous times to no avail. Capital One is wrongfully holding my money that is rightfully mine. There's even a banner on my account now that states " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have statements from my Aunt and her bank that they have tried to work with Capital One to get the money sent back to her, but have yet to receive a response from Capital One.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-06-04
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX/XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I am a former resident and I was advised to move out within 24 hours of receiving the move out notice on XX/XX/2019. I moved out on XX/XX/2019 as requested then received a bill later for charges. The first invoice was incorrect that was sent via email from XXXX XXXX on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice via email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice. The collection notice is dated XX/XX/2019 asking for me to pay them directly and not the apartment complex. The collection agency stated that they will report me to XXXX, XXXX  and XXXX if the balance is not paid in full.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?
Consumer complaint received 2018-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-06-04
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: General Motors Financial Company, Inc. (FL)

We were looking for a new car at XXXX XXXX GMC located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. We never came to an agreed price for the vehicle or our trade so how could they possibly put through a loan app. not knowing how much we ; d need? Without our permission or knowledge they sent out multiple " Indirect Loan '' inquiries. We are now receiving letters of rejection from XXXX XXXX, XXXX  XXXX, and XXXX knows who else 's rejection is headed here! They have messed up our credit history and the wrong information now needs to be corrected. They had no business doing this without notifying us. We have our own banks, we'd never have dealt with one of theirs. We've filed complaints with the XXXX, GMC, XXXX and now the CFPB. The sales person told us she was going to check our credit rating not apply for a {$27000.00} loan for a used car with a sticker price of {$21000.00}!!
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

Date repor ted :  XX/XX/2014  U.S Bank Operations Center   XXXX   XXXX  , MN  XXXX  Account ending :   XXXX    Social  XXXX  The financial Institution has reported me to  XXXX  and I am unable to open accounts at any bank do to this. The a ccount in my name was abused and fraudulently opened by an ex- girlfriend with access to my accounts to support her own downfalls from a bad break up. This was reported on my behalf several times and I have disputed the matter and still have not received any support or help to remove this item. I have no clue or what the abuse or if any amounts are due that I feel I am no liable for at this time. Any assistance would be greatly appreciated!