davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (IN)

Inaccurate payment history reporting, Inaccurate amounts owed, reporting different amounts on all three credit reports. Reporting as pass due on a collection account. Account being reported charged off and paid on time simultaneously in the same month. Account reporting as collection and charge off simultaneously from two different companies. I disputed this account twice and it still returns as account verified even after sending documents and copies of my credit reports showing the inaccuracies and violations.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AZ)

XXXX - saw that I was a victim of identity left because my credit score was dropped by XXXX points. Saw that the company was a utilities company in TX by the name of XXXX XXXX. Called them and disputed due the charge and let them know the situation. Then called the collections agency and alerted 3 credit companies. 
I have not filed a police report, but plan to do so today XXXX
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity theft. I am writing to request that Transunion  Consumer Relations  block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (FL)

I have received an insufficient funds notice for a purchase if USD coin, digital currency. 
This has happened three previous times. 
Each time the error has been on the company 's side. The company is Coinbase , Inc . 
Each time l have had sufficient funds to cover the purchase.
Consumer complaint received 2019-03-07
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: Exeter Finance, LLC. (VA)

XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : Exeter Finance XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, P.O. Box XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (MD)

I have tried to contact Global credit to inform them of the inaccuracy of this collection account and have not received a response from them. The telephone numbers that are listed on my credit report and on the internet for them is incorrect. I am requesting that the information that is being provided by Global Credit be ceased and desisted.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

XXXX XXXX ATTN CF XXXX XXXX HERE I BELIEVE .IT APPEARS SOME DISCRIMINATIRY ACTIONS GOING WITHIN CREDIT REPORTING. 

SEE ATTACHED FILES FROM XXXX AN EQUIFAX 50 POINT DIFFERENCE UNEXCEPATABLE XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IN)

I opened an American Express Serve account in XXXX. Never had any issues until last year. My unemployment started getting deposited to the account. I created XXXX sub accounts. The account holders also received cards. 1 of the sub account holders also received unemployment. The payments went to my account because there was no way that I could see to set up the direct deposit to the sub account holder. American Express Serve proceeded to lock my account with thousands of dollars on my balance I called and they said I violated their terms of service which is XXXX. I called and was told to write a letter I did that. Nothing was done. I was never notified of the lock or closure and they have my money. I have tried tons of times to speak to someone that can help and no one can. I have been dealing with this issue for well over a year now.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T and they say it will not happen until XX/XX/24! Have untrained workers when you get someone on line to transfer you over and over again? Have cashed checks I reported and filed and notarized papers. So many times teller checks, wire checks same with XXXX XXXX that I have to call again. Sent to a scammer called XXXX XXXX aka XXXX  aka XXXX. lives at XXXX XXXX XXXX XXXX , IN XXXX. XXXX notified, I found this is not a Realtor! And a XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. Cashed by these people and sent to a XXXX XXXX there is so much more. Amts : XXXX XXXX XXXX. This is my retirement money! Also left by deceased father. Help I have reported to all agencies, FTC, FDIC, Inspector General, DOJ, FBI- Ic3.org Now, I am receiving death threats by this XXXX XXXX that lives in XXXX XXXX XXXX XXXX XXXX CA. I have a address of XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX, Ca. XXXX and XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TN)

I keep getting repeated phone calls from a XXXX, North Carolina debt collecting company that identifies itself as " Sequium. '' I do not owe debts, and every time they call back they ask if I'm somebody else. I've repeatedly asked them to stop and told them they have the wrong person, that they need to stop calling me, and they refuse to quit. It's getting in the way of my college classes, as these calls are almost nonstop.
Consumer complaint received 2022-12-14
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)

I SENT MULTIPLE LETTERS TO TRANSUNION AND THEY ARE NOT RESPONDING TO ME. 

I AM A VICTIM OF IDENTITY THEFT. THERE ARE UN-AUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. MY IDENTITY WAS STOLEN AND THESE UN-AUTHORIZED HARD INQURIES ARE NOT MINE.THESE ARE FRAUD. 

MY SOCIAL SECURITY CARD, MY STATE ID, MY UTILITY BILL AND MY FTC REPORT IS ATTACHED. 

PLEASE BLOCK AND REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES : 1 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX 2 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX  3 ) Transunion Fraudulent Inquiries - XXXX XXXX XXXX 4 ) Transunion Fraudulent Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX 5 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) - XXXX XXXX XXXX XXXX 8 ) -XXXX XXXX XXXX XXXX  9 ) - XXXX XXXX XXXX XXXX XXXX XXXX 10 ) - XXXX XXXX XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX XXXX  12 ) - XXXX XXXX XXXX XXXX XXXX  13 ) - XXXX XXXX XXXX XXXX XXXX 14 ) - XXXX XXXX XXXX XXXX XXXX 15 ) - XXXX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX is showing in the remarks early termination and balance owing. The Vehicle was a total loss that is why the lease was terminated early. They were paid by the insurance company I also had GAP in the lease. I paid all the property taxes owed to them. I don't owed them or never had a balance with them.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX
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: EQUIFAX, INC. (TX)

i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately
Consumer complaint received 2017-11-20
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: EQUIFAX, INC. (NY)

Since XXXX 2017 when Equifax had its security breach I have not been able to resolve my issue. I would call the number I was told after being on hold for sometimes over 2 hours and I would call XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is just some of the numbers I have been given by people that work for company. Equifax has given free service for Trusted I.D . and I have tried to go on the web site and tried to print my report which it says I am able to do but yet it wo n't work and one person tells me that I have connected to the wrong number and they give me another number and that person will tell me the wrong number and give me another number and so on. I have spoke to numerous supervisors and still with no results, I e-mail them and takes weeks to get a reply back and it says they ca n't call me but to call customer service at number ... ..and again I get no where. can you please help.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I asked for the following documents to be sent in writing and did not receive them. 

Please provide me the following information below in writing : The original contract with original creditor with my signature on it. 

Payment history with original creditor. 

A poof of debt assignment.
Consumer complaint received 2021-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute XXXX/XXXX XXXX. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-05-21
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. (OH)

mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-14
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. (NV)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

When payment was sent to walmart mastercard on XX/XX/XXXX18 in the amount of XXXX the payment was applied incorrectely to the zero interest rate promotional balance instead of the higher interest rate balance and when contacted I was told the payment would be corrected, however a month later I received a new statement and a letter detailing federal regulations regarding payments and how they are to be applied. These regulations were not followed and my payment was not applied to the balance with the highest interest rate. Instead the payment was applied to the balance with 0 interest rate and the balance with the highest interest rate remained on my account, which continued to accumulate interest monies for the credit card company. I think that walmart is in violation of these federal regulations and owes me the interest accumulated due to this act. I spoke with them once again and I was told that they could not correct the payment applied to the correct balance with the highest interest rate and in my opinion is clearly in violation of the law ( regulations ).
Consumer complaint received 2017-11-19
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. (NC)

It has been a complete stressful nightmare dealing with Equifax for the last several months concerning my credit report. Recently I disputed some inaccurate information on XX/XX/XXXX and I received the completion results were the items had been deleted/unverifiable. The items in question were XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( this item was showing reaged which is a clear violation of the law ) and XXXX XXXX XXXX XXXX ( every XXXX XXXX entry reporting on my credit report ). As you will see on the uploaded supporting documentation, Equifax sent these results out XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I was checking my Equifax credit report on Equifax.com and these items are currently being reported which is not reflecting my true credit report. In light of Equifax hacks I have been trying to closely monitor my report. They have also mixed my files as you will see by the supporting documentation I have uploaded as well. Equifax did not inform me via letter that these unverifiable inaccurate items were being inserted back into my credit file. This is a direct violation of the law as well. I have previously submitted a complaint with the CPFB concerning these issues ( the complaint is also uploaded as supporting documentation ). Equifax is also reporting XXXX XXXX XXXX and this item was unverifiable, inaccurate and was deleted from my credit report and currently reinserted with no letter sent to me by Equifax. I have uploaded all my supporting documentation concerning these items. Equifax is breaking the law by continuing to report these inaccurate items on my credit file. These items need to be deleted immediately because they do not belong on my credit file and Equifax is not reporting my true credit file. Equifax has mixed my file on four separate occasions this year XX/XX/XXXX where I have had to call in to complain and send in identifiable information to them so they can try and fix my file. Clearly Equifax has not straightened my file out. The items that should not be reporting are : 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 Again Equifax has been making a complete mess of my credit file which is causing me emotional stress. These violations of the FCRA are negligent and willful on the part of Equifax in which I can sue and get damages. Equifax has violated my rights by continuing to report these inaccurate items. Clearly Equifax is not for consumer rights. 
I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THE UNVERIFIED INACCURATE ACCOUNTS. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS
Consumer complaint received 2020-04-27
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. (FL)

I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Thursday XXXX Capital left a voicemail @ work saying to call the fraud people by calling the XXXX on the back of my card which I did today XXXX ( I was not at work ). They say there 's fraudulant activity and they have to shut my account. I asked for 24 hours so I can notify all the vendors linked to my account and they say they can not do that ; the best is the card will be frozen for all transactions. I have to answer a fraud questionnaire. Then I have to wait 5 days for a new card in the mail. 
I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. 
lastly, the company says they can not tell me the name of the company where personal information was released because of the " ongoing investigation. '' That 's like saying you were XXXX but you are not allowed to know who the XXXX is. 
finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.