davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
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)

On XX/XX/2018 - someone stole my identify. After a month or two of rigorous exercises to clear my name with XXXX. I did. XXXX from XXXX worked with me to make sure XXXX was taken off my credit report on the credit bureaus. Equifax ignored their request in XX/XX/XXXX. I contacted XXXX again this year via the XXXX and they reached out to Equifax again in XX/XX/XXXX - to no avail. I've been working with XXXX XXXX from the XXXX in XXXX over the last month - Equifax has been ignoring the XXXX and sending me generic letters staying that I need to followup with the creditor. ( Which I've done multiple times and I've told them multiple times that I have and have proof that the XXXX charge was fraud. ) Nothing seems to stick with Equifax. I called and spoke to a rep at Equifax, the rep literally told me " it doesn't matter if it was fraud or not, it will stay on there for two years. There is nothing you can do. '' I told the XXXX about this conversation and they said nothing. I am beyond frustrated, we're now almost one year later and the hard inquiry still remains on my credit report. I need action and resolution. I believe I am also entitled to compensation for all of my time invested in trying to remove this fraudulent activity from my account. Please help me.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CT)

I had automatic payments coming out of my account from XXXX. I canceled the insurance when i got rid of the car. I Just got a credit report and seen that XXXX was on there through Caine Weiner saying I owe them Money. I never got any notice or phone calls or anything and there is no last activity date or a contact phone number. I Should n't owe anything because I had automatic payments.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

On XX/XX/XXXX, I paid off a debt from XXXX  XXXX XXXX  company XXXX XXXX XXXX XXXX XXXX. Paid by money order {$320.00} by certified mail, received from XXXX  letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from Convergent Outsourcing/XXXX  XXXX  XXXX  stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to Convergence. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report since the disputed items resulted due to identity theft. It has been a battle going through this and I am writing to delete the following fraudulent 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 the charge nor accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DEPT OF ED/XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00}
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX  XXXX  via XXXX
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Told them after $ XXXX of dollar being spent to fix this car its still not fixable and I was on reemployment assistance but was not receiving any income. Guy stated nothing they can do, so payment is messing up credit. He just wants to extend my payments but its higher now because they ended up repossessing my car and I had to use my savings to get the car just for it to become messed up again and its currently being fixed on once again. Tried to come to a agreement for reasonable price but they insist I pay {$8000.00} debt left in this time of hardship.
Consumer complaint received 2020-10-27
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: QUALITY ACCEPTANCE LLC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2017-09-21
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: ALLY FINANCIAL INC. (LA)

On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX
Consumer complaint received 2015-04-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

Both my family and myself were contacted by someone who identified themselves as investigators. They did not identify what company they were from and have been contacting us on unknown/restricted numbers. My family contacted me to express their concerns, as they though that the investigators were trying to reach me because of a criminal complaint. We feel that we are being bullied by 5th 3rd Bank and their 3rd party company, XXXX ( sp? ).
Consumer complaint received 2023-04-01
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-16
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

For this card, I haven't received this physical card and paper statement after I requested it since this XXXX. However, I have other similar credit card related to homedepot and the other one has always sent me the paper statement. So THD/CBNA kept asking me pay only {$12.00} for 3 months but I haven't known it. For the new card open, everything is not set up yet. Normally the bank should send me paper notice to ask payment if it hasn't received the payment, but It didn't send any paper notices to me yet. The only thing THD/CBNA did is : send " delinquency '' report to 3 major credit bureaus. My credit score dropped about 90 points for only {$12.00}. It is so unfair to me!
Consumer complaint received 2020-12-09
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. (DE)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (TX)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX ruined my credit I was given a XXXX XXXX card by XXXX  XXXX by error. I supposed to get a XXXX Card not a XXXX  XXXX. The one they gave me had interest. The one that I was supposed to get had 0 interest for 15 months and gave you {$200.00} after you spend {$500.00} in 3 months. When I noticed the interest that they charged me, I reached out to XXXX XXXX and they said no problem they would fix it. I got disconnected and called back and then was told they would not. Now that I have put in my complaint, they have credited the interest and I cancelled the card and they told me to reapply for the card that I wanted from the beginning. 



It turns out that the XXXX XXXX card that I had closed several months ago with a XXXX balance had incurred interest after I closed the account. I spoke to a very nice lady at XXXX XXXX who said I'm sorry let me reverse the interest and I will send a letter to the credit bureaus and I will send you a letter saying that the account is a XXXX balance. In the mean time XXXX XXXX has turned me down because of the derogatory credit from the XXXX XXXX card that they neglected to tell me about neither by email or with a phone call. My XXXX credit score turned into a XXXX score and XXXX turned me down for the card that I was originally supposed to receive. 






Sincerely, XXXX XXXX
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

Experian allows anyone with an email address to obtain another person 's credit freeze pin. With the recent XXXX  hack, all the needed personal information is available to identity thieves. Experian MUST change this procedure and remove the email option. Pins should be mailed not emailed.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I refinanced and paid off my mortgage with PenFed on XX/XX/2020. On XX/XX/2020 I was denied access to my on- line account. I was not able to pull up any information at all. I repeatedly contacted PenFed requesting my access be returned. They initially told me this is what happens when the loan gets paid off. The account is closed and you can no longer access it. Subsequently I was told that this was an error and it is not normal for me to not have access after payoff and they are working on it to return my access. Most recently I was told again that this is normal and I will not gain access to my account. Penfed recently went thru a major digital platform upgrade with many, many issues including incorrect information provided, late mortgage statements, incorrect and concerning wire confirmations. I received a wire confirmation regarding {$5000.00} and believe it was an error. There was no identifying account information and I was not familiar with sender or receiver. I raised my concerns multiple times about this wire confirmation document and wanted confirmation this money did not come from my account. No one contacted me regarding this document or my concerns in the past week.
Consumer complaint received 2020-12-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I sent out original dispute letters to all 3 credit bureaus on XX/XX/2020. After not getting any investigation results back I sent a 30 day demand to comply on XX/XX/2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against Experian for numerous willful violations related to the reporting of hard inquiries on my credit report. The inaccuracies, unauthorized disclosures, and potential identity theft not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate more severe criminal activities such as identity theft and securities fraud. 

Inaccurate Reporting of Hard Inquiries : Experian has inaccurately reported numerous hard inquiries on my credit report, leading to a poor FICO score. These inaccuracies and unauthorized disclosures of private information have made it challenging for me to apply for consumer credit, as many of these inquiries, often resulting in denials, do not belong on my report.

Violations of FCRA, CCPA, and Privacy Act : The unauthorized reporting of hard inquiries constitutes clear violations of FCRA, CCPA, and the Privacy Act ( 15 USC 1681, 5 USC 552a ). The inclusion of inaccurate and unauthorized information on my credit report jeopardizes my financial standing and violates my rights as a consumer.

Identity Theft and Fraudulent Activities : The inclusion of unauthorized hard inquiries on my credit report may constitute identity theft, particularly if these inquiries were not initiated by me. Moreover, the potential fraudulent activities extend to the violation of XXXX XXXX, which relates to identity theft in Arizona. 
Securities Fraud : Furthermore, the unauthorized use of my signed credit applications, even if denied, as a means to profit by selling personal information on the secondary market constitutes securities fraud. This is a serious offense, punishable by felony charges.

I am deeply concerned about the potential harm these inaccuracies and unauthorized disclosures may have on my credit standing, and I believe the situation goes beyond simple reporting errors. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies and address the potential identity theft and fraudulent activities. 

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FCRA, CCPA, Privacy Act, XXXX XXXX ), and details about the potential identity theft and securities fraud. I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report, as well as take appropriate actions to investigate potential criminal activities. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (CA)

I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XX/XX/XXXX of 2017. I have now received a collections notice from GC Services ( XXXX XXXX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As Expected the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency GC services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS