davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: Open Dealer Exchange, LLC (OR)

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

OnXX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, 700 CREDITXXXX XXXX add a hard inquiry on my credit report per XXXX. 

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 2017-09-19
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. (GA)

Im am writing in reference to a released tax lien that is reporting on my Equifax credit report as The lien has been released as of XXXX 2014I have filed numerous disputes in having this public record removed both by phone and by mail. Most recently XX/XX/XXXX which Equifax stated they obtained public record items from local, state and federal courts through a third party vendor. Equifax also stated : they reviewed the lien information and verified the public record item is reporting correctly.They further instructed me. that if I have additional questions about this item please contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA. Under the new law effective XX/XX/XXXX any public record data must include name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the information and per that law the released tax lien listed does not include all the required information and should be deleted from my credit file.
Consumer complaint received 2020-12-10
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 (OR)

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, XXXX  XXXX  add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

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 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

On XXXX XXXX 2020, I received an email offer to apply for an XXXX XXXX XXXX Credit Card backed by XXXX XXXX. 

I submitted the application with the understanding that sole liability would be for the business. 

I was surprised to see an inquiry on my personal credit for the card. 

I read the disclosures shown on the screen carefully and at no point is it clearly stated that personal credit would be run. I have been informed since that it is hidden deep within terms and conditions that personal credit would be run. 

Had I been made clearly aware that personal credit check would have been processed, I would not have completed the application. I would like the inquiry removed. 

In addition, somebody needs to work with XXXX XXXX to insure that they are not practicing unclear tactics to process credit applications, IE the disclosure that personal credit is going to be run should be clearly stated when filling in your information, not just deep within terms and conditions.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I applied for the Florida HAF ( Housing Assistance Fund ) XX/XX/XXXX, I was approved for {$1100.00} for ( XXXX ) months starting with XX/XX/XXXX payment. Payments from XXXX to be made to Wells Fargo. 

I have called HAF and was told that they have released funds to Wells Fargo. I have called Wells Fargo 3 times and they say that they do not see funds and to call on XX/XX/XXXX to check again. on XX/XX/XXXX I will be at my " grace period ''.
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc. (WA)

GRIMM COLLECTIONS. 
I have a balance or {$800.00} on my credit report from a debt unknown. When speaking to female agent at GRIMM collections she was very unprofessional and rude. She would not explain what the debt was beyond " a XXXX bill '' I had asked her to provide me with a signed invoice stating I had any knowledge of a vet bill and she is unable to do so. I do not know why I am being charged from a veterinary office because I have not had any services done to my pets at Summit. I need help investigating as the lady working at GRIMM COLLECTIONS has hung up on me and treated me very poorly when I try to talk to her about this. She laughs at my frustration and mocks me when I have tried to explain that I do not know anything about this balance and she refuses to help me investigate it and has told me " I will not look into it and this debt will not be removed ''
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Originally had a card with an annual fee, upgraded the card to one without an annual fee 1 year from the original open date. Still charged the annual fee for the old card and they refused to reverse the transaction even though the representative I upgraded the card with said it would be reversed.
Consumer complaint received 2021-08-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SW Linear Investment Group, LLC (WI)

Linear Mortgage , LLC got home equity loan papers from XXXX XXXX XXXX from 2002. 
these paper should not exist they should have been destroyed by the XXXX XXXX XXXX XXXX in 2002. Because we never signed them we turned down what they were offering us because it was not what we wanted. we told XXXX XXXX XXXX to stop coming too our home because we wanted nothing to do with them. XXXX Mortgage sent us papers saying that we owed them this XXXX for a home equity loan and said that they had a lean on our property and if we did not pay that they would take our home. so Started to pay them XXXX dollar a month and my husband said that something about this was not right we never took out a home equity loan. so we looked in our files and we found the papers from XXXX  home equity like I said we never sign them or received any money from them. Linear Mortgage sent me the same paper with our signature on them that was a photo copy. alone with paper file with the court of deeds. I called to ask them were did they get these papers and at first she she she got them from a company call XXXX  I told her I never heard of them before then she sent me the copy from XXXX XXXX XXXX. I even called XXXX and they said they never keep paper from that far back I tole Linear Mortgage we wanted our money back she said that she could not help me and she hung up on me and said tell my Lawyer. I called the police they sad i would have to file a fraud report on line so that it can be investigated.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Thanks to m & t bank my car insurance is now lapse in coverage and now i cant drive due to not paying the bill i will make sure this get brought up in court.I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier for me. The problem is m & t bank has frozen my account for more than 1 month because of these XXXX transactions. M & t bank are saying the other partys of the XXXX transactions is trying to do a chargeback of the transaction saying its a unauthorized transaction when they authorized the transaction which is a lie.I cant get into contact with my friends that did this.M & t bank didnt call me email me or notify me that the other party reported the transactions so i had no clue until they took money from my account. In XXXX terms & conditions XXXX payments are non refundable with no proof M & t refunded XXXX XXXX transactions in different amounts totaling {$3900.00}, With no proof that what the other party is claiming which is unauthorized transaction is actual truthful. In the terms conditions of XXXX it states XXXX transactions are non refundable so Im not sure how m & t bank was able to do this. I filed a cfpb complaint and and they didnt answer my response basically ignored my response. This is m & t bank regional security manager that responded contact information XXXX have not been able to pay bills because of this frozen bank account.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank-PAY PAL issued me a credit card inXX/XX/XXXX or so. As part of the credit card terms, I enrolled in a card insurance protection program, that, in the event I ran into a problem paying my card in full or making payments, will cover the payments for me. I paid about {$400.00} dollars, I believe added to my card balance, for the insurance. In XX/XX/XXXX a change in my job cut off my overtime hours, and I was unable to pay for the payments, I called Synchrony bank to let them know, and for the insurance I had purchased to be triggered. After a couple of times that I was called again by the bank, for lack of payments, and I again told them I had bought insurance and I could not make the payments, they finally said that the insurance company needs to handle this claim directly. It was difficult to obtain the information to contact the insurance company, almost as if synchrony bank did not really know where this information was. So I called the insurance company and tried to file a claim with them. They rejected the claim twice, always asking for more information : more bank statements, or pay stubs, or letters from my employer showing my income was reduced etc. but it was never enough. Finally, the last time I submitted paperwork, I did not hear from them again, or Synchrony, so I assumed it was taken care of. Until it showed up in my Credit Report as a charge off. At that point, I submitted a dispute with the credit Bureaus, XXXX XXXX etc. On the bases that, where I don't dispute some of the balance-minus the fees/interest/and insurance charges-I dispute that I owe it, since this balance was supposed to have been covered by the insurance I bought. Synchrony refuses to acknowledge this detail, and insists I owe this, and all I get from them, after every dispute with the credit bureaus, is sending a last statement to my home. Nothing about the nature of the dispute, the insurance they sold to me, the insurance that did not pay them for my claim, or the fact that I have disputed this 3 times. Now they are suing me in court, by lying that I have never complained about the balance or the debt. There must be records, that they have to come up with, not me, that I called, and I asked them to close my account, and requested the information to file the claim with the insurance. I tried fixing the problem with Synchrony in a timely manner, I tried with the insurance company, i tired with the credit Bureaus, and I have done all I can to provide what I had to file my insurance claim.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2020-12-10
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: SYNCHRONY FINANCIAL (MO)

I attempted to apply for a business credit application via XXXX ( Synchrony ) and included ONLY my EIN # which is XXXX. However, this application caused a hard inquiry on my personal credit report with XXXX  which should have not happened. I never once provided my social security number. I submitted a dispute with XXXX  and they came back saying the accuracy was verified. This is so wrong because I thought I was applying for a business credit card but the app was for a personal and it was rejected but they submitted a hard inquiry. 

I talk to XXXX and XXXX from Synchrony who was no help and would not here my concerns and didnt want to help. 

This is so wrong on many levels and I need some assistance getting this inquiry removed as I did not authorize this. 

Please contact me at XXXX if any questions or needed. 

XXXX Thanks, XXXX XXXX
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have received information from XXXX XXXX and TransUnion credit reporting agencies that there's been a new hard inquiry made on my name with a new credit product offered by XXXX  XXXX ( on XX/XX/year> ), although I didn't recognise neither the inquiry, nor the details provided with the inquiry ( the address and phone number, which were supposed to be associated with me, were wrong ) plus I haven't made any new inquiries for any credit products within recent months. 
I have called XXXX XXXX and provided them all the information regarding my concern. They have registered my call and request, informed me that they are going to pull that application out of my profile and inform the credit agencies that the application had been fraudulent and wasn't made by me or on my behalf, so in the future it won't affect my credit score. 
And they also recommended me to file a complaint regarding that fraud attempt to FTC / CFPB, which I am doing here. 
The incorrect home address and phone number provided in the application are as follows : Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX I have never been associated neither with that address nor with the phone number.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical-Commercial Audit Inc (MO)

I am disputing this debt on the following grounds. 
1 ) Incorrect billing procedures. This was not billed to both insurance carriers by the original agency, or my responsibility would have been {$0.00}.

2 ) This will no longer be covered by the insurance carriers because it is outside the Missouri timely filing guidelines.

3 ) This medical facility, Total Access Urgent Care sold this incorrect balance to a debt collector known as MCA MANAGEMENT COMPANY for the amount of {$480.00}. 

I previously asked that if the debt issuer have good reason to believe that I am responsible for this debt, mail me the documents that make Them believe that. They have NOT been in communication with me regarding this debt and record that Ive disputed mentioning that I have zero obligation for this debt. Ive disputed this multiple times with the credit bureau as well as the company.
Consumer complaint received 2021-10-11
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. (SC)

I have been disputing an item on my credit report through experian since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, XXXX XXXX XXXX that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX  XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX Went online to check my Transunion report. Couldnt sign in. I called the # XXXX XXXX XXXX - XXXX assisted me and gave me another direct number to call the consumer help at XXXX. While on hold, i decided to online chat - Had a very long chat with XXXX only to find out the only phone number associated with Transunion is XXXX. 
I took a snap shot of out conversation and told them, if they cant get into my account, i would report this is whomever I can. 

A bit of background - 2 months ago, while at work, Human resources person, XXXX, came over and laughed then asked me if I tried to collect unemployment, now both of us are laughing - the answer was " NO ' ; so she said someone filed for benefits under my Social Security number. 

Not sure if this is all related, but I am sick of it all. 
I will pray that you can obtain the answer quickly and easily. 

Have a Blessed day and stay well.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I informed them that the debt wasnt mine and to provide evidence they didnt and now its showing on my credit report and thats a violation I order it to be deleted off my credit report unless yall have the original documents showing that its really me. All three credit agencies I am excising my rights under the Fcra section 609 to request information regarding the source of the information which is the original contract thats contains my signature and my identification which is date of birth and ssn from the debt collector Franklin collections of the information cant be provided please delete this off my credit reports immediately
Consumer complaint received 2022-08-12
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2021-04-09
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. (NY)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

I have derogatory remarks on my credit report due to false information reported by collections which should be removed from my credit report pursuant to 15 U.S.C. 1681 ( b ) and Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) right to privacy