davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
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: GVA Holdings, LLC (AL)

The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Reviewed most recent credit report from Equifax and I noticed incorrect information that did not belong to me. The Creditor advised me to contact the CRA to have the personal information disputed and investigated as they do not have the ability to remove it themselves. After contacting the CRA I was met with push-back even though I expressed that the personal information was incorrect and the creditors had my updated information.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (CA)

XXXX   BUSINESS CARD -One of o ur cards was fraudulently duplicated and used pumping gas for total a amount of {$810.00} in the months of  XXXX  and  XXXX   2017 , while the original card was in our possession. Once we received monthly statement of charges from  XXXX , we promptly reported the fraudulent use to  XXXX  on  XXXX   XXXX , filling and faxing to  XXXX , their fraud investigation unit the form they had faxed to us.   It took more than 60 days for  XXXX  to issue partial credit of {$720.00}, while they have charged interest and penalties of {$360.00} on {$810.00} fraudulent charges which we are not responsible for and they refuse to credit {$360.00} back to our account.   We have called the customer service of  XXXX  and they say even though we are not responsible for the fraudulent charges, we are still responsible for Interest and Penalties.   This absurd and abusive practice  be one of th e biggest oil companies in the United States.
Consumer complaint received 2019-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NY)

I have a balance on my Barclay Card ... XXXX. I asked XXXX XXXX ... XXXX for a balance transfer of {$2000.00}, paid to Barclay Card ... XXXX. XXXX XXXX ... XXXX only approved a {$470.00} transfer. 

I contacted XXXX XXXX ... XXXX by phone at the beginning of XX/XX/2019, because I did not want a transfer in the amount of {$470.00}, I only wanted the transfer if it could be for the full amount of {$2000.00}. I was unable to speak to anyone who could assist me. 

The {$470.00} transfer was sent to Barclay Card ... XXXX, from XXXX XXXX ... XXXX, on XX/XX/2019 and was received by Barclay Card ... XXXX on XX/XX/2019. 

Since I could not get any assistance from Customer Service at XXXX XXXX ... XXXX, I called Barclay Card ... XXXX, around the time the transfer took place, and told them I did not want this transfer, hoping they could reject it. 

Barclay Card ... XXXX said they would take care of it. They reversed the {$470.00} off of my account and kept the payment. They are charging me {$470.00}, even though they received and kept the payment from XXXX XXXX ... XXXX, in the amount of {$470.00}. 

XXXX XXXX  ... XXXX is also charging me for the {$470.00} payment they sent to Barclay Card ... XXXX. 

I sent a certified letter of complaint to XXXX XXXX ... XXXX on XX/XX/2019. They contacted me and told me that if they receive the funds back from Barclay Card ... XXXX, they will reverse all balance transfer fees as a courtesy. But they are unable to do anything until they receive that payment back. I appreciate their response and attention to this issue! 

I have called Barclay Card ... XXXX several times and usually they tell me they will send my account for review, but this issue is never resolved. I sent Barclay Card ... XXXX a certified letter of complaint on XX/XX/2019. I have received no response or resolution to this matter. I have emailed them at XXXX, still no response or resolution. Please help me get this issue resolved. I am being charged the same {$470.00} by both XXXX XXXX ... XXXX and Barclay Card ... XXXX.
Consumer complaint received 2018-03-27
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. (AL)

I have sent several letters to XXXX XXXX XXXX to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.
Consumer complaint received 2023-01-28
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. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Hey I had a bank account for 6years never had one problem from one day to another one. My bank account was closed I've been waitting for weeks and my check Is supposed to come in the mail and nothing yet. I had a checking account and they closed it too without my consistent. I called several times and they cant give me exact day when I'm going to have my my funds available. And I cant get an answer why my account was closed. From santander bank my name is XXXX XXXX and I've been searching for answers as to why it happened to me.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (MD)

I am my sisters Power of Attorney. The end of 2016 she took out a loan from First Virginia. Early XXXX she became XXXX XXXX  and I took over her finances. a few weeks ago I went to a First Virginia location in XXXX XXXX to pay off the loan and they referred me to IDR in Arizona. After I contacted them & was given the " run around '', First Virginia withdrew money from my sisters account, which I believe is wrong. I do n't understand why they refuse to let me pay this off.
Consumer complaint received 2022-09-09
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Erin Capital Management, LLC (NY)

I have been trying for weeks to contact Erin Capital Management LLC, to try to resolve the issues of an alleged debt that I have never incurred, I have never XXXX credit cards in this country, I do not even have credit, I have never applied for anything that has to do with credit and this company sent me a document that I have an alleged debt of which I asked them if at least they had a signature and they have nothing, they did a procedure that I never knew had happened, I found out all this because I said Debt collector contacted my employer and started me taking {$60.00} a week out of my check for an alleged debt that I never had. I don't even have credit. I need this company to stop charging me, and pay me all the money they have taken from my checks. 

DOCKET NUMBER : XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-01-28
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: Experian Information Solutions Inc. (MD)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CT)

Resurgent Capital Services aka Cach LLC purchased a loan in my name from XXXX, a recent credit report shows the account sold to Cach LLC with a balance of {$12.00}, XXXX. The original loan amount is {$6800.00}, it appears XXXX kept adding on interest and fees after payments ceased due to dispute over terms including interest rate. XXXX has numerous complaints/horror stories on several consumer review sites including XXXX in regard to their high interest rates. Further, it appears they do not take into account credit score when calculating interest as they seem to charge everyone the same high rate of 35 %. Additionally, the account is being reported as over 180 days when last payment was made in 2015, which is well over 180 days. I believe the reason for error in reporting and additional interest is an attempt to collect on debt and harm my credit score. Prior CFPB complaints were made against XXXX regarding interest and terms, none resolved. XXXX and the issuing bank, XXXX, both have complaints against them about this issue. I attempted to resolve complaint with XXXX XXXX at XXXX, he defended high interest rate regardless of my credit score at time of application, nothing was resolved. I also attempted to contact XXXX XXXX at XXXX, the number I called from was blocked so calls would not go through. To confirm this, I called from a different number, call went through but the rep stated XXXX does not accept calls. This loan was applied for online and nothing signed, no forms with my signature. That being said, XXXX has no proof of what was agreed upon, if anything. Please advise Resurgent Capital Services of this information should they make attempts to collect on this debt which includes legal action, also I refuse to pay due to high interest rate which was not agreed upon.
Consumer complaint received 2017-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1  )  XXXX   XXXX 17  XXXX 17  XXXX   XXXX  17   XXXX   XXXX 17  XXXX 17  XXXX   XXXX   XXXX  17   XXXX   XXXX  17   XXXX   XXXX  17   XXXX -17   XXXX      XXXX    XXXX  17    XXXX   XXXX    XXXX -17  XXXX   XXXX   XXXX  17    XXXX      XXXX    XXXX  17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (AL)

I have sent several letters to World Acceptance Corporation to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc. (TX)

I received a call from RS Clark at XXXXXXXX XXXX CST onXX/XX/XXXX. The caller identified herself as XXXX, I properly identified myself and asked her to stop calling me. She said she has to keep calling. I told her a 2nd time to stop calling and that it is my understanding that she has to stop calling. She said no she has to keep calling. I verified her name one more time and told her that I am filing a complaint. I do not want phone calls or letters. Its already on my credit. Please do not disturb me. 
Thank You
Consumer complaint received 2019-10-29
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. (TX)

Its been 8 months since i filled this complaint Below and Exquifax did not respone or fix problem the problem. 

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXXXXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX3.XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX   XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (TX)

Sunbelt Credit in XXXX XXXX, Texas keeps calling me for a debt owed by a person I do n't know. They keep calling me to see if they can reach him and I have told them repeatedly that I do not know who they are talking about or why they even have my phone number. The calls have been coming for about a year now and each time they tell me they will remove me from the system. I 'm at my wit 's end here. They need to stop. Their phone number : XXXX The last time they called me was today, XXXX XXXX, 2017, at XXXX.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-RETAIL ACCOUNT {$1300.00}
Consumer complaint received 2017-07-12
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: ProCollect, Inc. (TX)

I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau since XXXX and now we are on XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
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: CITIBANK, N.A. (MA)

I was never on the account. The other negative items that was reported on my behalf has already been corrected. I only have a single inaccurate account. Please help me have this deleted. Thanks