davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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. (KY)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the inquires.
Consumer complaint received 2021-06-23
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. (FL)

No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from you.
Consumer complaint received 2017-10-17
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. (NC)

I have disputed this account on many occasions with XXXX, XXXX and Transunion and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting
Consumer complaint received 2021-10-09
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)

I received my credit report and I noticed some unauthorized items they should not be in my report. These have been rough times sheeting the covid 19 crisis
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (TN)

I signed up with a debt relief company I had been paying off debts I had kept getting calls from 2 creditors on the list in line to be paid .. They ignored the debt relief company sent summons to court ..so I left the debt relief company it has been a long struggle to pay them and every lawyer I talk to said it wasn't legitimate? I am out close to XXXX ... Now got a lawyer for bankruptcy they tried to contact this company with the summons to have this court date extended they ignored them to so now I missed this court date now I am under the threat of having my XXXX check taken from the bank.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX My Identity was stolen and accounts where open in my name, I have tried several times to have this company look into it. But they fail to do so and say debt is validated. But its not mines. theres a whole different email address attached to that account because I did my own research 's
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Accounts, Inc. (WA)

This company is calling from a private number, calling starting a conversation as though a friend is calling, there is no information about this company being a debt collection agency. They are falsely representing themselves and calling very frequestly.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

calls on XXXX XXXX from Portfolio Recovery re debt of approx {$6900.00} from 2012. Asked they stop the calls because I'm on SSDI with no assets of any kind. Asked that a judgement be taken for this if it hadn't been done yet ( I believe it has ), put a note into my file regarding inability to pay and to stop calling. They continue to call even when I told them I am reporting them.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (MI)

In XXXX, I surrendered my license to XXXX XXXX in California. That automatically put me on the Office of the Inspector General, the State of California, and the State of Michigan 's automatic exclusions list. After five years I was removed from the OIG list, and recently I checked the online lists for the respective States. I was not on those lists. I should not be on those lists. This is outdated information. I wrote hard copy letters to each State asking to be removed from any lists and never heard back. Now this is coming up again in my background check for a new job that I desperately need. Please help me!
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.
Consumer complaint received 2017-09-05
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: Experian Information Solutions Inc. (LA)

I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX writing in regards to 2 bank statement requests to Chase Bank for 2 elderly clients who may be victims of financial abuse. The Document Identification # 's are : XXXX and XXXX An XXXX XXXX was faxed on XXXX/XXXX/XXXX to Chase Bank. On XXXX/XXXX/XXXX, XXXX received a response stating that I would need to contact Customer Service ( I have included both responses in the attachments ). On XXXX/XXXX/XXXX, I called Customer Service who stated that I would need to contact the client 's XXXX XXXX, XXXX XXXX, and discuss with him on how to obtain statements. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX who stated that I would need to provide a Release of Information signed by the client or have a court order. One client has been deemed to not have capacity as he has been diagnosed with XXXX XXXX XXXX and it would be unethical for me to have him sign any documents. 

Chase is not being compliant with XXXX request and I would like to receive the statements to complete XXXX investigation of financial abuse of an elder.
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (MI)

I have tried to order a card with cashapp and received a message my acct was closed due to terms of service violation. I reached out to them via support chat and XXXX  to ask what violation is and how to correct it. Chat Support would not provide what violation is or how to correct it. XXXX  contact referred me back to chat support and did not assist me. I have not received anything in writing via email or postal mail to state this violation occurred.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/XXXX at XXXX XXXX  I sent a payment of {$170.00} via cash app to XXXX and XXXX XXXX aka XXXX declined the payment On XX/XX/XXXX at XXXX XXXX  I cancelled a payment of {$25.00} via cash app to XXXX I contacted cash app support and I was unable to speak to a representative via phone The cash app representatives told me cash app had given me my refunds for {$170.00} and {$25.00} to my card on file Its been more than 7 business days and I have not received the money They told me to contact my bank that they refunded the money to but my bank representative told me that cash app had not distributed any refunds Of {$170.00} or {$25.00}
Consumer complaint received 2017-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

For the past year, Wells Fargo couldnt figure out my mortgage payment because of some discrepancies while I was in chapter 13. Wells Fargo failed to remove the deferred principal balance in my accounts. I was informed by my lawyer XXXX XXXX to keep paying the same amount of money I was paid previously. I did not miss payment. I always paid the amount of money my lawyer told me to pay.Now I was told by Wells Fargo representatives because I didnt pay the full amount of money for my mortgage Wells Fargo is going to handle my homeowners insurance. It was not my fault that Wells Fargo couldnt figure my mortgage monthly payment. It took my Lawyer over a year talking with Wells Fargo to find a solution.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CBE Group, Inc. (OR)

This company sent me a letter about an alleged debt that they claim they received from their client XXXX XXXX. I do not have an account with XXXX XXXX and when I closed my account with XXXX XXXX I left with no outstanding bill as far as I can recall. I have not had an account with XXXX XXXX since 2013. I have never done business with this company in the past for no reason whatsoever. When I received notification from this company about the alleged debt, I responded by asking for " Validation of Debt ''. This company has yet to provide me with competent information related to this debt however, they still continue to contact on my personal phone and on my office phone. I also suspect that this company is calling me via phone at my employment, using a private number. Each call I have answered they refuse to disclose the nature of their call when asked. They have now resorted to calling me and hanging up on me.
Consumer complaint received 2024-03-21
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: OneMain Finance Corporation (NY)

I just called one main financial bank and asked them if there was a loan in my name they asked for my social and date of birth and they said that there is no attempted loan or anything so I dont understand why these people saying that I applied for up alone when I didnt. I called up these people myself, and they verified that there is nothing in their record showing that I applied, so someone is lying and I want that off my credit report
Consumer complaint received 2021-01-31
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)

I am attaching to this complaint an affidavit of identity theft regarding an account with XXXX XXXX XXXX XXXX  and a derogatory report they are placing upon my XXXX, XXXX  and Transunion credit reports. I did not open this account and although I have filed several disputes regarding this matter and have stated identity theft as the reason for the account, XXXX, XXXX  and Transunion are allowing XXXX XXXX XXXX XXXX to continue to report this erroneous item to my personal credit bureau. Additionally, although noticed under Section 609 FCRA, XXXX XXXXXXXX XXXX XXXX has failed to provide the required items under Section 609 FCRA. I am attaching a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the exact same misconduct XXXX XXXXXXXX XXXX XXXX is engaging in.
Consumer complaint received 2021-06-23
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. (GA)

I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT EDXXXX and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Im doing this by myself and really need some help.
Consumer complaint received 2022-09-08
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. (PA)

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single XXXX, I loss my XXXX earlier this year after the birth of our second XXXX and things have been really tough for me and my girls and to find out I have this now on my list is really XXXXXXXX XXXX. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

Hi, Citibank act ending XXXX, with customer reference # XXXX has conacted me via phone and now thru this letter stating I havae previously enrolled in a credit protection an optional debt protection program for a monthly charged fee. 
However, I have n't had a citibank credit card in the last 10 years. I am concerned because 1- I never signed up for a citibank credit card and I never signed up for this protection plan. and 2- I am concerned that someone trying to be me is using my info and has established my identity. Can you please see what this situation is about. I don ; t feel comfortable giving any of my info to citibank. 
Thank you, XXXX XXXX
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AZ)

The amounts applied to principal and interest vary widely each month. 
For instance In XX/XX/XXXX - {$140.00} to Principal and {$91.00} to Interest In XX/XX/XXXX - {$23.00} to principal and {$210.00} to interest This has continued every month for years. And the lender customer service rep will not or can not explain why and refuse to help me understand or resolve. The loan has not been paid late is not in default. And has always been in good standing. Univ XXXX - XXXX program Stafford loans subsidized and unsubsidized
Consumer complaint received 2021-01-31
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: OneMain Finance Corporation (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, ONEMAIN add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX BANK XXXX. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Byrider Franchising, LLC (OH)

I purchased a vehicle through J.D. Byrider/CNAC almost 9 years ago. I started having problems with the vehicle and with trying to get it fixed and stay current on the payments it became overwhelming so i included the car in my bankruptcy. I contacted CNAC to have the account removed from my credit reports but they have refused to do so. the vehicle i purchased caused enough problems, and even with all the repairs and money i had to put into the car i still made sure i paid my car note on time. I want the account deleted off of my credit reports as soon as possible.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

Today ( XX/XX/2024 ) at XXXX I received 10 notifications and emails detailing numerous attempts ( some successful ) of someone in XXXX PA at an ATM at XXXX XXXX XXXX to withdraw various amounts of money from my cash app card. They managed to successfully withdraw {$200.00} and {$100.00}. They did not stop trying and continued attempting until it was no money left with attempts of {$300.00}, {$66.00}, {$60.00}, {$26.00}, {$20.00}, {$10000.00}. These were all attempted at times ranging from XXXX while I am laying on the couch with my wife and daughter after work. I live in XXXX Maryland, and work in XXXX Maryland. I can provide proof of my location, Im sure by just tracking where Ive been using my phone. My apartment building also has security cameras that will verify the time I arrived at home. Cash app began to block three of the transactions above because the suspected fraud and that these were unauthorized charges. They were, but it was too late as they already stole {$300.00} dollars which was to be used for my phone bill and rent. I am extremely disturbed and distraught, I have my wallet with my cash app card. I have my phone. I did use my cash app card today ( which is rare to use it besides sending money ), but I used XXXX XXXX. I dont know where else to turn or if Cash App will even help me get my money back. Please help me