davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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. (NY)

After reviewing your response, I would like to say that I am not using a credit repair firm and never have. I feel that the item listed in m y credit report are inaccurate, and I would like your company to investigate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is still a inquiry showing on my report from " XXXX XXXX XXXX '' I don't know what this is. I've never applied by XXXX XXXX. I've asked Experian to either verify that this is mind and or remove it. 

They have been failed to provide me with any document showing my signature or validating that in fact this inquiry is mine. 

This is seriously damaging me and it is inaccurate and was not me and my inquiry. 

I would like to ask for the last time that Experian either immediately remove this inquiry and or provide me with the documents you guys have used to determine that this is mine which they have to provide me by law. 

This is a serious matter for me and I hope to hear back asap.
Consumer complaint received 2023-01-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (VA)

I have recently had a name change and tried to update my information, however, none of the information matches what they have on file. I am totally XXXXXXXX XXXX Veteran with XXXX. I have tried to converse with them to understand my circumstances. They dont care or treat me with fair or dignity. I have to verify my self multiple times and be placed on long holds. All this is aggravating my XXXX symptoms. I feel as if I am not treated fair, with dignity, being discriminated against.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2021 my credit file took a XXXX point hit for a collection on a debt by Midland Credit Management attempting to collect a debt for XXXX XXXX. I called the collection company and spoke to a manager who I assured this is a mistake. I also sent a Validation of Debt on this date. Every 7 days after the company reports to the credit bureaus which is damaging my credit trustworthiness. On XX/XX/2021 I took another XXXX point hit and I contacted the company again and they advised me that I needed to submit a police report for consideration of the debt to be removed. I told them the only police report related to my credit is a ex significant other using my XXXX XXXX credit car in XXXX. They told me they could not help. On XX/XX/2021 I took yet another derogatory mark from the debt collection company. I contacted them and advised them that they are almost of for the validation of debt which and gave them more information on the denial to obtain a report that didnt directly describe the account in question. I contacted the credit bureaus immediately after and found addresses, hard inquires and other suspicious activity and had them flag my credit activity as fraudulent activity. Midland Credit Management is now 6 days over the 30 days to provide me with a validation of debt and continues to falsely report to the credit bureaus.
Consumer complaint received 2020-11-26
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. (TX)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NC)

In XX/XX/XXXX I applied for an installment loan at CashCentral of South Carolina XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$1700.00} and my payments are {$340.00} a month. I have paid back {$900.00}. XX/XX/XXXX I lost my job. I made XX/XX/XXXX and XX/XX/XXXX payments. In XX/XX/XXXX Cash Central tried to take out the payment muliptle times which incurred NFS fees at my bank in over {$300.00}. I contacted them to see what my options where due to me being unemployed and they told me they dont work with anyone no matter what the situation. I still am currently unemployed. Cash Central has continued to harass me regarding this loan and is unwilling to work with me. I also found out my interest rate is around 400 % which is illegal in the state of North Carolina which I am a resident of. I was unaware of this type of interest rate. I know I signed documents but they rushed me so that I couldnt even read anything within the fine print. I feel taken advantage of completely I am writing this complaint to say I would like the rest of the loan to be considered paid off and for them to stop harassing me with phone calls. I am a resident of North Carolina who has been a victim of a shark loan and harassment from Cash Central.
Consumer complaint received 2018-04-05
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. (FL)

I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature!

Experian has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (WA)

I have an account at Gemini.com with USD and BTC holdings. I went to withdraw USD and BTC and both have an unexpected error " security hold '' on account. I have had the account since XXXX and have fully verified who I am and where the money is withdrawing to a US bank. 

Error 1 : Sorry the BTC withdrawal can not be completed at this time. Reason : security hold. 

Error 2 : A maximum of {$0.00} can be withdrawn to the account at this time. To remove restrictions you must first withdraw : {$6100.00} to XXXX XXXXXXXX XXXX checking.
Consumer complaint received 2020-10-13
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: AFNI INC. (AL)

Upon reviewing my credit report, I found a derogatory account with AFNI reporting with an opening date of XX/XX/2020 per XXXX XXXX and XXXX. This company failed to verify this collection although they have a statement listed on my report of verified. This is FALSE. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, AFNI has violated my rights as a consumer by listing this account on my credit report and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Debt collection calls and letters. Debt continues to be sold. Newest company, Diversified Consultants,  attempting to collect debt never owed. No delinquent accounts with XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (IA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (MS)

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-06-28
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. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}
Consumer complaint received 2022-04-06
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. (NY)

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXXXXXX XXXX XXXX my name and I explained to them that it wasnt me because I already have two XXXX XXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Consumer complaint received 2021-07-20
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: WELLS FARGO & COMPANY (CO)

I started a dispute around XX/XX/XXXX for the amount of {$1000.00} dollars, well Fargo credit card services closed my case by XX/XX/XXXX ( around ) saying that I wasn't entirely for this money, XX/XX/XXXX I faxed proof of my resolution over this money, credit card company called me back on XX/XX/XXXX saying that I was going to get this {$1000.00} dollars back ( because I had proof enough that that was my money. ) They said within 5 days, today is Tuesday XX/XX/XXXX and I have called numerous times to wells Fargo credit line, not answer, nobody can get me any answers, in the other hand THEY ARE DO RUDE over the phone, I try to get a name or reference number of a lady who was so rude, she only said I'm XXXX IM XXXX, I feel very betrayed and angry because of this
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted Capital One numerous time regarding a charged off account that is reporting on my credit file. This account does not belong to me and i have requested a copy of validation and verification of the debt including a signature or authorization. This is a violation of my consumer rights.
Consumer complaint received 2023-01-09
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (WA)

On XXXX My husband and I went to purchase two recliners at a Macys furniture store. The sales clerk suggested we open a Macys credit card to get an addition percentage off since it was XXXX XXXX XXXX and I was denied. She tried again per phone this time and I was granted a {$500.00} limit. I was so embarrassed during this Long process in front of other waiting customers. I said No I didn't want that so she ran my husband credit card application and he was accepted at {$10000.00} limit. My credit is better than my husband and we couldn't understand. A letter was sent to me stating the decision was made because unable to verify identity information by XXXX, So on XXXX I called the phone number listed by Macys on the letter and was told the account I didn't want was open for the {$500.00}, So I asked to have it closed and to find out the specific reason for my denial and the Macys customer service rep XXXX Yelled at me and Hung up! She was so UNPROFESSIONAL and RUDE! My husband was present during this call. Then I called XXXX and they said they had no idea why I would be denied since I had a XXXX XXXX XXXX from them and XXXX from XXXX, and XXXX XXXX. I'm not sure if my denial was myself being a XXXX XXXX and my husband XXXX, XXXX, Citibank, or XXXX. I have no idea if any of this is illegal, but it have been a HORRIBLE EXPERIENCE! I appreciate Any help. I can provide any paperwork needed. THANK YOU SO MUCH!
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-07-20
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. (TX)

I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2018-09-24
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: Experian Information Solutions Inc. (CA)

I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

Chase bank refuses to give me access to a direct deposit. On XX/XX/XXXX I deposited a check from my brother for XXXX . In was returned insuffient funds due to he accidently wrote it out of wrong acct. When it was returned my acct was negative XXXX . I called Chase and they notified me they will mail the check bank to him. My brother air mailed me a check from the correct acct for XXXX $ and I deposited via Chase mobile app on XX/XX/XXXX. On XX/XX/XXXX my mobile app stated funds were available. I attempted to purchase gas on XX/XX/XXXX and XX/XX/XXXX and it was declined. On XX/XX/XXXX I called Chase and was transferred to a hold department. I was total a hold was placed on my funds til XX/XX/XXXX. She stated she could not tell me why but gave me reasons it may be on hold like supecious unusally deposit, insuff funds, and others. I informed her I was in hardship, no food for household and no gas and my dad is admitted in hospital and ask for XXXX $ to be available and it was decline. I asked her to cancel the deposit. She stated it cant be done. I informed her that I was going to take the check to the bank it is on, XXXX XXXX XXXX, and she said I could not do that and advised against it. I will be going to the food bank tomorrow for the first time in my life. I am unable to pay my ulitities which will be overdue by XX/XX/XXXX and worsest of all, my rent is due on XX/XX/XXXX and I will be charged XXXX $ per day late fees ( XXXX $ ). This check is written on my dad acct which my brother is XXXX. Dad moved in with me and this check is covering the expenses I occurred for caring for him. My brother and I are jointed guardianship. He is supposed to be released from hospital tomorrow 40 miles away, will have new prescriptions to be fill for XXXX and I will not have his money available to care for him. I will be contacting the hospital social worker tomorrow for help. My brother told me that Chase did the same thing to him and that 's why he changed back. Chase bank is abusing the hold fund to accumulate interest for gainful profit. XXXX I pray for our Nation. Their is no longer middleclass citizens to due corporate thieves. The customer service lady I spoke to today was cold hearted. I checked my mobile phone again a few hours after I got off phone with her and the funds that showed available are no longer available. She changed went after I told her that I was going to try to take the check and cash it at the bank it was wrote on. She again advised me not too, and said she was going to " note my acct ''.