davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
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)

On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXXbut got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.
Consumer complaint received 2020-09-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent multiple letters asking for the method of verification that was used to very the bankruptcies that appear on my credit report. This agency has yet to respond to any of the request made to them.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date :XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

midland funding have been violation of Federal Law by continue reporting of a debt on my credit report that they cant verify i called them i also have a letter from Midland funding saying the going to delete the trade-line as they couldn't verify it but yet they still reporting it 3 months latter.they are in violation of Federal Law and they should be held accountable The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

My husband has a credit card attached to my account, I am the primary carholder. 
On XX/XX/XXXX - his credit card was charged, without authorization, XXXX {$9.00} - XXXX XXXX XXXX WY - the amount was small and we didn't notice the fraudulent charge. 
On XX/XX/XXXX - his credit card was charged XXXX {$9900.00}, without authorization - GET MEMBER ACCESS XXXX - XXXX. 
We tried to call the telephone listed which just takes us to an answering machine. 
We contact the credit card and filled a complain about the XXXX {$9900.00} unauthorized charged, they refund us but in the last month statement I notice that they charged us again the amount. 
I called the Credid Card company - Barclay - telling them that both charges are fraudulent but they don't want to refund us the money. 
I had to cancel both credit cards that I have since XXXX. I use that credit card a lot and always made full payment on time.
Consumer complaint received 2023-02-07
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. (SC)

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. 

Account name : XXXX XXXX # XXXX has violated my rights. 

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 XXXX 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received re investigation results of the account number XXXX back from EXPERIAN that were not in my favor. In EXPERIAN 's response to my CFPB complaint case number XXXX and XXXX. EXPERIAN stated that " XXXX XXXX XXXX BANK verified the account as reported. '' This let 's me know that EXPERIAN did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided EXPERIAN proof of my inaccurate credit report and EXPERIAN still chose to ignore this evidence. My new and updated credit report shows that XXXX has updated my payment history to " excellent '' yet EXPERIAN still have not updated this account information. It is my belief that EXPERIAN has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. EXPERIAN went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2024-03-02
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. (CA)

I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2018-02-07
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. (SC)

I demand verifiable proof ( an original Contract with my signature on it ) verifying the account was late in payments. They were never able to show physical proof of that, because I always had my payments made thru my checking account and on time.
Consumer complaint received 2024-03-02
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX  XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX XXXX XXXX XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report 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 2022-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (VA)

I received a call from a company called mediation services saying I owed a debt from check n go from prior to XXXX. They refused to give me a date. They said they were sending the sheriff to my house to sue me. I did file a bankruptcy in XXXX, and I listed all my creditors but there was not one for a check n go, but three other payday lenders were listed. They had my current address as well an address from XXXX. They said they had a copy of my ID. When I asked them to send me proof of the debt, they refused.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (MA)

XXXX. When going to make payment discovered the company only allows for direct payments from a bank account- had to provide routing # and account # for payments to come directly. They won't accept any other form of payment. Never heard of this before XXXX. Made a payment on XX/XX/year> with my checking account for funds to come directly out. After checking with my bank on XX/XX/year> funds were already sent to the credit card company. They had received my payment successfully and it was withdrawn from my account on XX/XX/year>. 
XXXX Credit card company reflects my payment that they had received directly from my checking account. Credit card company states even though they already received and verified my funds and it reflects on their website, I am not able to use the available credit until XXXX. ( my bank also acknowledged that the credit card company successfully received the funds and sent me my bank statement showing this ). 

I have never heard of a credit card company using people 's checking or savings accounts in order to receive funds directly. Then after they have already taken the funds directly from the bank account they say it isn't verified. As my bank statement shows, the funds were taken by credit card company. They received payment and it also shows that the payment was received on the credit card companies website. I want the funds I put on the card released sooner that XX/XX/year>. And to have the company looked into more as I have never heard of a CC company taking payment ONLY from a bank account directly. Should be no hold time if they take funds directly or of the bank account.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (GA)

I am writing this due to non-compliance with the CRA ( Experian ). 
They have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
I disputed some accounts on my Experian credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (GA)

I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.
Consumer complaint received 2020-01-23
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. (GA)

I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (SC)

On Tuesday XXXX I talked to a representative with Conn 's and informed them that I was going to be paying the bill on Friday XXXX  and asked them to please stop calling me or at least lower the amount that they call me. They increased the amount of times that they called me to 4 phone calls and 2 text messages every three hours. This is unheard of and uncalled for. When I called and asked them to please stop calling me, the rep hung up on me and I received another call within a hour. I am now having to turn off my phone because of Conn 's. I am within my grace period and have made a promise to pay. There is no reason for this abuse!
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I discovered fraud, my money market account was hacked all Statements were surpressed both paper and electronic so no way fro me to determine fraud. When asking Customer service how and when that happened they said not able to tell its a new system. I received a email from bank asking to approve transfer i called immediately and asked what was going on at that point we determined that fraud had occurred. I asked for all statements to be sent to me the amount was over XXXX with multiple web withdraws paid to XXXX XXXX, working with XXXX dispute they have dined some requests saying i should have stopped them sooner. With no statements, paper or electronic not sure how a bank can send nothing?
Consumer complaint received 2018-02-06
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. (OH)

hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to transunionin in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Iam not liable for this debt I do not have a contract with Capio Partners and I have no knowledge of this account 2 of these Accounts number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$560.00} past due as of XX/XX/XXXX. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC (TX)

I continuously receive calls from the number XXXX leaving an automated message indicating that they are XXXX XXXX calling from Credit Management Company, and to call them back at XXXX. 

When calling back, the AI system claims I have a debt of {$130.00}. The human agent was less helpful. The human agent would not release any information without me providing to them PII ( Personal Identifying Information ), which I indicated that I do not provide over the phone to unknown agencies that called me in the first place. 

I indicated that if they feel that they have any legitimate business with me, they can contact me, in writing, via the XXXX at the address they must know I reside if they do in fact have a legitimate business relationship with me. I also requested that the phone calls cease. 

The agent indicated that they would not remove my information unless I provided PII. I indicated that I would file a complaint and that I would not release any PII. 

The last call took place at about XXXX pm ( XXXX ) onXX/XX/2024.