davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2020-06-03
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. (MS)

I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX card, XXXX and XXXX XXXX. This is the second time I have had to complain. 
This is my third time sending my request. I feel that Transunion just keeps sending computer generated letters. There is no way that a person is looking at this complaint & keep saying the same exact thing. It is against the LAW to report known FRAUD accounts.
Consumer complaint received 2021-10-11
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. (MO)

I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. These debts have not been validated in substantial way as of yet. Yet it serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of Experian and XXXX to disregard federal laws in regards to my identity theft case has caused further duress and hardship to my children and myself. I'm a single parent of XXXX  children without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity theft victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other fraudulent accounts where added to my reports with malice. In those situations some of the same items that are on my credit report in 2015 some which were deleted are now resurfacing again on my credit report as current debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far XXXX and Experian particular have not accepted that responsibility.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Subject to XXXX XXXX scheme by ex-husband, his wife and and others he associates with. 

Cell phone is ported and communication is restricted. 

Identity theft Attached fraudulent emails ; noticed duplicate texts and emails. 

Utilizing dark web account to keep auto/property policy in effect and intend to profit from life insurance policy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Turner Acceptance Corp. (IL)

This company has delayed posting of payments since the account was originally opened. Failed to apply payments to the account immediately upon receipt. Held payments beyond receive date. Failed to correct and update payment history. Charged extra interest and late fees that should not have been accrued. Requested a breakdown of daily interest, daily per dium and payment history and was hung up on. The remaining balance is incorrect. This company has been called more than 30 times to request these issues get resolved. They refuse to assist. They refuse to resolve these issues! They refuse to credit the account appropriately. All calls made to the company have been recorded for quality assurance purposes. I am requesting that this loan is updated to all major credit agencies as closed, paid in full, never late. I am requesting that the vehicle title is mailed to me immediately.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS
Consumer complaint received 2021-04-10
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 — Their investigation did not fix an error on your report
Company: EOS Holdings, Inc. (VA)

I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. EOS CCS Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX word which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX words which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
Consumer complaint received 2017-12-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (KY)

Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CO)

I am scheduled for closing on a new home on XX/XX/2021. On XX/XX/2021, XXXX setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. 

Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I can not even go into a branch and get a cashier 's check because ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. 

Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (IL)

I HAVE ACCOUNTS THAT ARE NOT MINE CLOSED AT XXXX  XXXX XXXX AND XXXX. 

I ALSO HAVE A XXXX  XXXX COLLECTION THAT IS NOT MINE. 

FINALLY IDEAL COLLECTION SERVICES ABUSIVELY HAS ACCOUNT THAT I DO NOT OWE WITH MY WIFE AND THEY CALL ME CONSTANTLY AND HAVE EVEN THREATENED ME.
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc. (MD)

I applied for an auto lease/financing through Tesla at their dealership in XXXX, MD. 
Days later, I learned that the loan was denied. 
When asked for reason for denial, I was given limited information, specifically that I had an insufficient credit history. 
However, I have impeccable credit ; an XXXX credit score. I have paid off 7 car loans in the past 8 years, paid a $ XXXX house off in 2019, and currently own a home which is mortgaged. In addition I have multiple credit cards with limits ranging from {$2000.00} - {$20000.00}, all of which have a low balance, as they are paid in full prior to the end of each month. 
I sent multiple emails requesting more information as to why I was denied. I was never given a response, nor a written explanation as to why. 
After voicing my concern on multiple occasions, I was told they would approve my loan. The terms presented were outrageous. They requested a $ XXXX down-payment on a 36 month lease. 
I have never been requested to make a down-payment on a lease due to my exceptional credit. Their out-ofpocket requirement nearly covered the entire lease obligation. 
I decided to request a loan elsewhere. I was approved immediately, with the lowest interest rate they offer. 
This proves Tesla 's denial for financing, and outrageous leasing terms to be unjust.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... XXXX I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Recovery Services, LLC (UT)

I was taken to XXXX XXXX hospital by XXXX XXXX back in approximately XXXX  I had sXXXX XXXX XXXX many things, I stayed overnight there. I was able to pay the hospital bill off in a timely manner. 
The ambulance bill on the other hand, was sold to Premier Collections whom is consistent with taking money out of my account monthly. I make {$470.00} a month. They have been taking money for years and refuse to give me paperwork showing what Ive paid.
Consumer complaint received 2020-12-11
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. (NJ)

My most recent request to Experian and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at XXXX  on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.
Consumer complaint received 2021-04-10
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 (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 2020-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (NV)

Collection agency put Collection on my credit report for wrong amount. I stayed at a hotel for 8 months in XX/XX/XXXX to XXXX a weekly pay hotel in XXXX XXXX, made every payment on time last week I didn't pay we moved out, with a balance of XXXX dollars original creditor said this would not be on my credit report, but XX/XX/XXXX it shows up on my credit report for XXXX dollars and the credit agency is adding interest or something because they reported a balance of XXXX dollars as of XX/XX/XXXX they being The acctcorp of Southern nevada
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NM)

My account has been closed and I have not been able to contact any live person to resolve the issue. I submitted requested information as provided me and still my account was closed. There is no contact resource other than an email address and I have submitted daily emails for the past 3 weeks with no response at all. I have no money to live on, pay my past due rent now, buy food or pay bills. I am XXXX. Please help!
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (FL)

Goldman Sachs is being discriminatory against me as a XXXX year old XXXX male. 

I have been approved for the Apple Credit Card twice, I have sent in my documents, I have answered questions related to my credit report, I have done everything to identity myself. 

Goldman Sachs still denies my application for " unable to verify identity ''. I asked if I could send my docs by mail or even send an email. They refuse to accept my identity unless it comes from an XXXX with a higher quality camera than my old XXXX XXXX. 

Basically, Im young, XXXX, with good credit, and willing to send whatever information to verify my identity but Goldman Sachs refuses to give me the ability to verify my identity.

I have already been notified by Goldman Sachs twice, both time saying I was approved. Only to later snatch the hope away from me with word later that I was unfortunately denied. 

I can not afford a new XXXX, they must accept documents via fax, mail, or email to allow me to verify myself. Making an XXXX which is not in my budget the only way to verify my self is extremely illegal and XXXX on Golman Sachs behalf.
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Received an alert from XXXX today, XX/XX/2020, that there is an application for a loan with CashNet and that needed to be researched. The XXXX tech called CashNet and was placed on hold for two hours where I was instructed to wait until Monday, XX/XX/2020, to try again to get through to CashNet. CashNet had automatically emailed me with a loan offer about two weeks ago in which I deleted. Hence, according to XXXX someone is using my personal information to apply for a loan with CashNet.
Consumer complaint received 2017-12-13
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: Experian Information Solutions Inc. (LA)

Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed XXXX XXXX XXXX XXXX XXXX to charge my Business Checking Account/Debit Card 11 times in one day on XXXX XXXX, 2017, totaling {$3300.00}. XXXX XXXX XXXX XXXX XXXX did not provide the services as agreed pursuant to a contract. Their cloud based service did not work as promised and continued to have endless glitches and issues. I was never able to get back into the program. It never worked. When my father XXXX unexpectedly and I was out of work due to XXXX and again had no access to the program they still refused to cancel. Instead, they said they 'll give me an extension and change it to my brother 's business and update the cloud to his information but those changes never came through. The program never worked at all. This company has a predatory billing practice. I sent them an email revoking their authorization to charge my card and they continued to charge anyway.