davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item from my credit report.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

Sears/CBNA ( Citibank ) refuses to provide a payoff balance to my mortgage company so I can pay off the credit card with a refinance. They claim it's against federal law to do so.
Consumer complaint received 2018-01-27
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. (GA)

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-17
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. (CO)

I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.
Consumer complaint received 2017-09-08
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. (MD)

I have been identified as an affected individual in the Equifax security breech disclosed on XXXX XXXX, 2017. Due to inadequate data security measures and protections on behalf of Equifax, my personal and private information and data such as my SSN, DOB, full address, and potentially DL number have been stolen. Through no actions of my own, I must assume that my private and personal information are now public data and potentially being used without my consent for future deeds of dubious intention and legality.
Consumer complaint received 2018-01-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Due to a catastrophe, my girlfriend and I were displaced from our home. We were put in an apartment ( XXXX XXXX XXXX XXXX, XXXX, GA ) for a little over 2 months. The cost of the apartment was covered by our homeowners insurance ( XXXX ). After our home was fix, we moved out of the apartment and back into our home. We were send a final invoice which was forwarded to our insurance company and subsequently paid. A month after moving back into our home, we received a letter from IQ Data International requesting we pay {$540.00}. I was very surprised by this because our insurance had paid our rent and no one from the apartment management tried to contact us. My insurance will not pay this debt unless it can be validated by IQ Data International. When contacted by IQ Data International, I ask if they could provide an itemized ledger to show which month 's rent and/or charges were underpaid. They could not provide this information. It has been almost a month since we were first contacted by IQ Data International and they have not provided an itemized ledger to validate the debt. Furthermore, they have threatened that this is appear as a negative item on my credit score if it is not paid.
Consumer complaint received 2022-08-11
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. (CA)

This is XXXX XXXX, and I am submitting complaint this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 XXXX. EQUIFAX MTG Inquired on XX/XX/2021 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/202 XXXX
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CT)

The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My primary checking account with Bank of America had a balance of {$40.00} and a scheduled payment of {$34.00} was debited on Monday, XX/XX/XXXX which left a balance of {$5.00} in which I transferred to my joint account. This transfer left my primary checking account with a XXXX balance. However, that following day ; Tuesday, XX/XX/XXXX my primary account was debited for {$400.00} which resulted in an overdraft plus a {$35.00} return item fee. On Wednesday, XX/XX/XXXX, the {$400.00} was returned and my balance was a negative {$35.00} then later on that day, BOA reversed the XXXX payment and placed it in a continuing processing status, applied the {$34.00} to the {$400.00} overdraft reducing my overdraft balance to {$370.00}, then placing the XXXX charge of {$34.00} back to my account so that they could attach/profit from an additional overdraft/insufficient funds fee of {$35.00} leaving me with {$70.00} in fees - so far. After speaking with an account representative and informing her of how BOA changed my transaction postings and the fact that I was fully aware of the order in which they should be posted ; she attempted to explain further and I explained to her that I had pictures of the transactions as well as their dates. She stated that on her end, she could not see what I was speaking of and kept telling me that the XXXX transaction had cleared on XX/XX/XXXX and I kept telling her that it was still showing as " processing '' but was debited from my account on Monday, XX/XX/XXXX, then reversed and held to allow the {$400.00} to be processed - so again ; I offered to provide her with the pictures of the transactions but she stated that they could not accept pictures. Both of these items were ACH items and the XXXX item was dated for XX/XX/XXXX and the {$400.00} item was dated for XX/XX/XXXX. Then she stated that it was probably because I was using my mobile device and I told her that I was not as the information was displayed on my laptop. She then proceeded to place me on hold to review my account and see if I one of my fees could be waived but then told me that based on my relationship with BOA ; this could not be done. This is not the first time that I 've had a similar issue with BOA and they tell you the same thing every time but continue to rip off their consumers. I then informed her that I already sent a complaint to the Bank and will also be filing additional complaints because I felt as if this was unfair.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Transunion and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2018-01-28
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. (AR)

Transunion is reporting two fraudulent accounts on my credit report. The first account is a XXXX XXXX closed account with a balance of {$830.00}. This is not my account and I would like it removed. I currently have a XXXX XXXX credit card with a credit limit of {$300.00} and my balance is under my credit limit. For some reason Transunion is not reporting the credit card that I currently have with XXXX  XXXX, they are reporting a fraudulent account. I disputed this account with XXXX  XXXX and Transunion on XX/XX/2017 with no response from either company. I am entitled to fair credit report, reporting. I would like this fraudulent account removed from all three credit reports and for my current XXXX  XXXX account to report. 

The second account that Transunion is reporting is a XXXX account. I have never had a XXXX account. I disputed this account with XXXX and Transunion on XX/XX/2017. I have not received a response from Transunion or XXXX. According to the fair credit report act i am entitled to have a correct credit report. Please remove this account. 

Thank you
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (FL)

Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

It's a dispute that happened on XXXX XXXX. They can't give me a reason as to why the investigation team has yet to have an update. There was 2 dispute done on the same day XX/XX/2023 one was done the other is still lingering no action or realistic update.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

Equifax is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Equifax and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (NY)

I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.
Consumer complaint received 2022-02-22
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. (CO)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Negotiation Credit Services, LLC (WA)

I signed up with Negotiation credit services for Debt consolidation credit counseling services, I had sent them over XXXX toward my creditors. I had got this email, Hope all is well. We are reaching out to you and all of our clients to let them know that as of XX/XX/2017, Negotiation Credit Services has merged with XXXX XXXX. We have been attempting to contact you for at least 3 weeks, its very imperative that you give us a call back at XXXX, so that we may give you more information regarding this recent change and added benefits this merger can provide. We look forward to speaking with you soon. Have a great day. 

With Regards, XXXX XXXX I had contacted them they had another person contact me from XXXX, saying that they were now handling my account, that I would be receiving a check in the mail for my XXXX and that I was to deposit in my account and then they would be taking that amount out again, they also had been taking the amount of XXXX per month. In may I receive a call from a lawyer claiming that this company had been seized and all companies associated with this company were now in the hands of bankruptcy and fraud. I have lost my XXXX that I had paid into that company and I want that money back.
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Dear TRANSWORLD SYSTEMS I have no idea who, where, and what is XXXX XXXX XXXX, please I have never had any service by such company. I'll need to be resolved or we can take care of that with our court system. I don't know that company, I have never been to any business named XXXX XXXX XXXX. You are attempting to collect a debt that's false, and that is illegal to have it on my credit reports. I'll send this to XXXX to make sure to run an investigation on your cases because I looked Transworld on XXXX also it says you guys only purchase debts that are not true, inaccurate, false, and paid. Please I'll ask you to do a real favor, destroying my reputation is crime when you do it with a debt that I don't know of. Thank You!!! 
{ { { { { Opened : XX/XX/2016 ( 1 yr, 11 mos ) Account status : Open Amount : {$860.00} Amount : {$68.00} Original Creditor Name : XXXX XXXX XXXX } } } } } } }
Consumer complaint received 2018-01-28
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. (AZ)

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX DC, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

Attempted to purchase furniture with the synchrony store card associated with Ashley furniture. We were told we could use it for purchases immediately however, everytime we hit purchase the card was declined. We were surprised to find out that we were charged 3 times for the same amount. We called the store and they said they submitted multiple requests for the order to be cancelled because there was no order # and the transaction was not processed. Synchrony told us they could not remove the charges unless the store submitted a request. We spent multiple hours with them on the phone only to be told there is nothing they can do and given 4 different timeframes to expect the charges to be lifted.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Attempted to request XXXX Freeze on Experian web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with XXXX was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CA)

I use Care Credit for medical needs, when using there automated system for an increase it did not mention a HARD credit inquiry to my credit report. If I had known that I would not have asked for a credit line increase. I contacted Care Credit who works with XXXX and they will not remove the Hard inquiry from my credit report after speaking to them numerous times. There automated credit line increase should have stated there would be a hard inquiry but did not. I had been a member of them for several yeas. I know when you first sign up there in an inquiry but not when you are asking for an increase which is normally based on how you pay and they are required to notify you of a hard credit inquiry which they did not.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I have sent multiple correspondence with this company Citi sent by certified mail, in order to verify an alleged debt in the amount of XXXX. The company sent a confirmation that they received my dispute on XX/XX/2017. It has been over 30 Days with no response and by law they have 30 Days to respond and if they do not they are required to remove it from my credit profile.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2021, I received an email message from Amazon Services stating that a hold had been placed on my account because my card and billing information didn't match. Since I recently received a new Amazon store credit card, I thought it was a valid notification. I checked the email address - it was from Amazon. So, I spoke with an Amazon rep ; that's when I was told that the message was not sent from Amazon, and that my account was in good standing.

The Amazon rep advised me to report the incident to www.ftc.gov.

I've attached the letter provided.

Thank you.
Consumer complaint received 2018-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (DE)

this was a fraud account opened back 2014 by XXXX fraud balance {$570.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.
Consumer complaint received 2022-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax seems to be manufacturing a pattern of declining FICO scores as a result of me filing complaints with CFPB about their actions over the past month and a half. Over the past year, my credit score has gone up as a result of me cleaning up my credit report with the XXXX primary firms in the business ( Equifax, XXXX and XXXX ). My credit score with these XXXX was in the low XXXX 's. In early XXXX, my Equifax FICO score was XXXX, thereafter. since I complained to the CFPB for them " adjusting their FICO recipe ''. Additionally, I filed complaints with XXXX XXXX and Equifax. XXXX XXXX tells me that they utilize Equifax 's algorithm. 

After I filed complaints with CFPB about XXXX and Equifax, my equifax score dropped almost 100 points. My XXXX and XXXX scores surpassed XXXX during this timeframe. Equifax 's reasons for the XXXX point drop were listed as their changing the recipe of their algorithm, and another XXXX point drop when I paid off a loan and the account was closed. It was a credit builder loan that was paid as agreed and it was closed at the end of the term. 

There is no logical reason why this is happening. I have taken screen shots of these declining FICO scores and am unable to download them with this complaint. Perhaps, you can give me an email address to send them to.