davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
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. (TX)

The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}
Consumer complaint received 2018-03-25
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: Experian Information Solutions Inc. (FL)

Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This was for new service. The equipment was all returned within days of activation. The service is not supported in the area I live in - and that was not disclosed when I applied for service. I attempted to explain that to the debt collector but, they continued to call and explain I had to pay the debt.
Consumer complaint received 2018-03-25
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: EQUIFAX, INC. (FL)

Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXX XXXXY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXXEQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2017-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My student loans are serviced by FedLoan Servicing. I noticed that direct subsidized loans from my XXXX education were listed as in " forbearance '' and contacted the company to correct this information. The company shows interest accruing on these subsidized loans even though I have been enrolled in school full-time. When I contacted the company in XXXX XXXX via an online form I was emailed and told to wait for my school to submit new enrollment records. In XXXX XXXX I contacted the company via phone and the online form because the loans continued to show up as in forbearance status. I was emailed and told, because I graduated, my loans accrued interest during the grace period. I am in a XXXX program and receiving a XXXX XXXX is a milestone in the program but I am continuously enrolled full-time in school. These loans are subsidized and should not accrue interest while I maintain full-time enrollment. I do not know how to get this company to respond appropriately to my requests as federal law seems quite clear on this.
Consumer complaint received 2018-03-25
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. (TX)

I have a dispute with XXXX XXXX closing my account, reopening it without my knowledge, reporting this to the credit bureaus, denying they did this even though my credit report is showing that they did, covering their tracks by re-opening my account and dropping my score for no reason. 

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Consumer complaint received 2019-10-29
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: SYNCHRONY FINANCIAL (FL)

I do not have a signed contract nor any contract with SYNCB/AMAZON nor SYNB dated XX/XX/19 and XX/XX/19. I have never done business with this company to pull my credit report. I am not liable for the inquiries for Amazon nor XXXX XXXX XXXX   XXXX. I am not responsible for these credit pulls. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: COMMUNITY CHOICE FINANCIAL, INC. (MN)

I received an email XXXXXX/XX/XXXX, saying that a debit will me be made from my account in the amount of {$370.00}, please ensure that you have funds available to cover this debt. The loan was taken out on XX/XX/XXXX from someone else. I contacted Cash Center and they told me this was the 6th loan taken out, I explained to them, I do not have or ever had a XXXX XXXX  card, which they applied the loan to. So they told me that I would need to fill out the Identity Theft Victim 's complaint, which I did then I asked them about the other loans, the woman XXXX  told me since it's a fraudulent loan they could not give me the information about where the money or how the money was funded. I do have the dates of the other loans. I have filed a police report and have XXXX and contacted the IRS and IdentityTheft.gov. Now I am filing a complaint with you. What kind of business puts money on a card, which is not affiliated with a bank or has a bank account, checking or statement. I do not have a bank account, have not in the past 4-5 years. Not sure how they got my ss, I know with the XXXX breach. I have gotten more emails from Cash Central/Choice Financial that the debit did not go through, and have put added expense on the amount. I am very upset about this and having to jump through all these hoops for something someone else has done. The other dates areXX/XX/XXXX {$350.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX{$350.00}
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Following are the sequence of events. 


XX/XX/XXXX : A payment in the amount of {$220.00} was made to XXXX XXXX insurance from my credit card ending in XXXX. 
XX/XX/XXXX : I called to put a hold on that payment in the amount of {$220.00} to XXXX XXXX XXXX because I thought it was fraudulent. 
XX/XX/XXXX : After realizing it was not fraudulent I called Chase credit services to cancel the hold and resubmit the payment. 
XX/XX/XXXX : My credit card was charged in the amount of {$220.00} for resubmission. 
XX/XX/XXXX : up to this date XXXX XXXX has not received any payment in the amount of {$220.00}. 


Fact remains that a payment of {$220.00} was made from my credit card which XXXX XXXX insurance claims they never received at their end. Both parties are at the denial stage. No one accepting any thing. payment has been deducted from my account but never received by state farm insurance. Chase credit card is not giving back me the amount. I have all the proof and correspondence with both companies. 


Please look into this matter and help me resolve it. 

XXXX
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

I was short on student loan money years ago and signed with the former XXXX XXXX ... I still have the documents that I signed and co signed with my mother who passed away. When my mom passed I started reviewing finances, and discovered that I had well over paid XXXX, yet they continue to harass and even called my new job. They say something about interest each time I call to work something out, they begin to argue and threaten. I even have my bank statements where they were paid in full. This company is complete fraud. They will try to destroy your life no matter how much you pay them, they continue to try to destroy your credit. I have all the bank statements and original loan information that I signed. Both are very private documents, but I will be happy to forward them over with trust. I signed the document on XX/XX/XXXX for a XXXX loan with XXXX XXXX, which is now XXXX. I had a interest rate of 14.250. I began paying on this loan in XXXX and my bank account can only go back 7 years, but I have been paying them for 10 years. My credit report states that I borrowed {$4000.00}, and I have paid the company {$9000.00} or more, I was told to stop payment in XX/XX/XXXX because the balance was still over {$6000.00} dollars. The company continues to tell me that I owe them, they have went against my perfect credit, they literally harass my family and my job. They refuse to send me documents explaining where and how I owe this so called interest. They have been paid 100 % percent interest and more.
Consumer complaint received 2017-12-27
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX ran my credit twice in a month. The second time I was not asked for permission or notified they were going to run it a second time.
Consumer complaint received 2022-09-08
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)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

Have tried to access my FREE ANNUAL CREDIT REPORTS at https :  //www.annualcreditreport.com/XXXX  experian will not let me get my report says I have to call a phone number. 

XXXX will not let me get my report says I have to contact them .also went to XXXX direct and the VERIFICATION QUESTIONS are about accounts opened that I have never opened so of course I am mot going to be able to answer them correctly.They say contact them directly XXXX provided my report no problem. 

This is stupid that I can never get my credit reports from XXXX or Experian. 

They need to be fined for every free annual credit report they do not give .In this day and age it takes 10 seconds or less to access a data base and provide whats in that data base about my credit report yet can not get it because their computer come up with bogus questions.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

On XX/XX/XXXX I received a letter from Berlin-Wheeler regarding a {$60.00} debt. On XX/XX/XXXX I sent them a letter asking for debt validation. On XX/XX/XXXX I received a voicemail message from Berlin-Wheeler stating I should pay the money. I still have not received any debt validation I asked for.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (NC)

On Monday, XX/XX/XXXX, I was called 4 times in a row by Ally bank fraud department number. I called the number back, it was indeed ally bank, so on the 5th call I answered. I was asked my two security questions, my favorite dog and my mothers maiden name. These ARE my questions from ally. I answer accordingly. They also confirm the last four digits of my debit card AND my mailing address. All of which they had I did not give out. They proceed to say there are 3 charges from XXXX Texas I need to confirm or deny. I deny them as they are not me. They claim one is a XXXX payment and the only way to ensure this payment doesnt go through is to withdrawal all the funds in my checking account so the payment is rejected. They claim they are freezing my accounts and my debit card and will expedite it at no charge. They will reimburse the {$15.00} fee that will occur if I overdraft and within 24 hours the account will be safe. I receive a text IN and ally bank text thread I already had, with a code. I read the code. They confirm things are frozen and I'll wait for a call on Tuesday. I text my husband and say hey dont use our debit cards. Next thing I know {$3600.00} is being taken out via XXXX XXXX. I immediately call back the number, ally fraud department picks up, they say theyve never called me. They did not authorize any frozen accounts or debit cards. I explain the situation by ally claims I authorized the transaction and am responsible. While I know now this was a fraud, this person used the ally bank number AND texted me within a thread already open with ally bank. They had all the right information including my security questions. When I went to screenshot the text, it quite literally disappeared. I clicked on it and it was gone. I have filed a police report and disputed the charges but ally is unwilling to cover the loss.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX