davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Hi XXXX ; I never had any relationship with you nor the original creditor Comenity Bank! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I am in process of purchasing house, currently under contract and was planned for closing on XX/XX/XXXX. I was estimating approximately XXXX to XXXX USD in closing amount that was supposed to be due on closing day. However, I received email on XX/XX/XXXX, XXXX and XXXX from " XXXX '' to wire transfer the amount prior to closing to allow closing process smoothly. I could not recognize it to be phishing attempt initially as I was using my cell phone to check emails and email address was named exactly same as the contact person from title company. I completed the wire with amount of {$93000.00} on XX/XX/XXXX and called my title company to confirm if they received the amount, only to figure out it was a scam. I have submitted fraud inquiry with both my bank XXXX and recipient 's bank Wells Fargo and it is under process but have not received back my funds yet. 

Upon contacting my bank XXXX, they state they have requested wire return request to Wells Fargo and we have to wait for them to return wire. Upon contacting Wells Fargo, they suggest I report to proper law agency for them to process the return of wire, which I have completed by reporting to IC3, but still have not received any reply on return of the funds.
Consumer complaint received 2021-04-01
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: TD BANK US HOLDING COMPANY (NJ)

On XXXX I went for my weekly XXXX visit. I usually pay with my TD Visa card. On this particular day I could not use my Visa card. The " XXXX '' had trouble accepting my card. I paid {$35.00} in cash, usual cost of a visit. On my XX/XX/XXXX - XX/XX/2020 TD Visa card statement I was charged {$110.00}. I disputed the charge with Visa. I provided a letter from my doctor stating I paid cash that day. The doctor also informed me that he never received a payment the " XXXX '' either. Talking with Visa they stated that they needed more information from me, but never told me what that information was. Visa denied my claim.

Case # XXXX
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (NJ)

Check n Go states I took a loan for {$520.00} and they were offering a settlement of {$300.00}. They said the settlement back in XXXX was only good for that particular day, after that it would expire. 

I advised that this debt was time barred. They stated I made an agreement to pay this off in XXXX. This did not happen to my knowledge and they stated they have a recording of the phone call. 

They threatened me with my local court office and are filing a complaint. I can assure you that this debt is time barred simply for the lack of contact by myself and when the loan defaulted. This started in XXXX. For them to find a way to say it was restarted back in XXXX or XXXX is just false. Maybe they started attempts at collections again but nothing was ever agreed upon or spoke about.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had recently been alerted to a telemarketing and wire fraud against me from the DOJ by mail. I will include the letter that they have sent me regarding this matter. In XX/XX/XXXX a woman, XXXX XXXX XXXX court docket # XXXX case # XXXX, contacted me regarding a BOA credit card balance that was in collections. She stated that my BOA checking & savings accounts would be frozen, my car would be repossessed, and all of my assets would be seized if I did not pay her {$7000.00} immediately or make electronic transfer payments to her company representing BOA, XXXX XXXX XXXX, in the amount of {$860.00} for 8 months. She scared me half to death, told me she works with BOA law team and I agreed to make the monthly payments of {$860.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX firm. The payments started on XX/XX/XXXX XXXX XXXX XXXX. 

I submitted a claim with BOA about the fraud. They told me it would take up to 60 business days. I sent them all of the documents via certified mail and to their fax machine. Along with the DOJ letter, the Victim 's Rights to be Heard and Obtain Restitution with regards to Debt Collection Fraud Scheme, and the U.S. v. XXXX XXXX XXXX of the NC court where she plead guilty. 

BOA denied my claim because they said that I had waited longer than 60 days to report this fraud. However, I wasn't even aware of the fraud until I received the DOJ 's letter in XX/XX/XXXX. I was under the impression that I had paid off this debt. Now BOA is still trying to collect money, my credit is ruined, this woman is going to jail for 20-30 years, and I can't get my money back.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was part of a lawsuit against Capital One for there criminal conduct in regards to repossessions. they where to remove the delinquent status of the loan and repair the damage that resulted from " default '' status of the loan. The defaulted status has been removed but they also removed everything from my credit record meaning my credit score is now non existent which creates a problem when applying for loans. when i look on credit services such as XXXX XXXX they show some credit but when a company searches my history is does not " exist ''. I need to find out why my credit history was completely wiped.
Consumer complaint received 2021-07-02
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)

Equifax report was Merged with my sister. I attempted numerous times to resolve the issue through them. They could not confirm my account for me. They reported that I had an extra mortgage and numerous extra debts that did not belong to me. They referred my to their website but will not verify my information due to close SSN / Names. Very unprofessional.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY XXXXEDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020, I tried to open a Marcus savings account with Goldman Sachs. I filled out and submitted the application online. Immediately after submitting the application, the website told me that my account had been locked. The page provided a phone number, XXXX, and I was instructed to call to unlock the account. I called the number and was asked to provide all of the information I had just entered online. After confirming that I was the person who made the account, they told me they could not open an account for me because they could not verify my identity. They refused to explain why or how they made their decision. I asked if I could reapply and they said I would be refused again. I checked my credit report on XXXX, XXXX, and XXXX, as well as my consumer report on XXXX and XXXX XXXX, and there was not a single negative entry on any of them. I want to know why and how Goldman Sachs made the decision to not give me an account.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-15
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. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-15
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. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



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
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX XXXX XXXX, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXXXXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount - {$180.00}
Consumer complaint received 2020-05-28
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: LEXISNEXIS (OH)

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-15
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. (CA)

XXXX/XXXX/XXXX : Found out that my personal information may have been impacted by the Equifax breach. 
XXXX/XXXX/XXXX : Have tried freezing my credit online multiple times with XXXX and Equifax, but the site keeps failing me. I then called each of them at least 5 times but the automated system keeps failing me as well. 
XXXX/XXXX/XXXX : Tried calling another 4 times again with both XXXX and Equifax and each time, the call would fail at the verification level. I can not get past the bot to talk to a human representative ( even with me calling multiple departments ( ex. fraud, freeze, etc ). I even tried getting a credit report for them, only for them to say that they can not provide me with this service at this time. 

I will be attempting to contact them again and worst case scenario, mail my documents over. All of this time and effort is going to only one objective : to freeze my credit due to their failure to secure my personal information.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION (IN)

I called First Merchants to close my checking account because I do not want to pay the monthly fee anymore. The representative told me I had to go into a branch to close the account, but I am not able to do this because I work during the day ( not to mention the risk of spreading the coronavirus ). This does not seem like a fair business practice at all to me.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Score dropped 27 points in one day with no imput or usage on my part. 
History says Bankruptcies- I have never initiated or had a bankruptcy. 
History- * I only use 2 cards one with XXXX balance, the other is satisfied every month to XXXX. 
. * auto-Installment are used for all recurring charges, I only have 1 per month at this time for {$200.00}. 
* Monthly payments are paid in full as requested. 
* No auto loan at this time paid in full 2-3 months ago. 
* No new credit cards opened in 3years.
Consumer complaint received 2021-07-02
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. (MT)

THERE ARE SEVERAL INQUIRIES ON MY CREDIT THAT I DID NOT SUBMIT NOR AUTHORIZE ANYONE TO SUBMIT ON MY BEHALF. I HAVE TRIED REACHING OUT TO THE COMPANIES BUT THEY ALL WERE GIVING PUSHBACK STATING I NEED TO DISPUTE WITH THE CREDIT BUREAUS. THE BUREAUS HAS YET TO RESPOND TO ANY OF MY DISPUTES AND IT HAS BEEN MORE THAN 30 DAYS. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT PACKET I FILED. PLEASE DELETE ALL NEGATIVE INQUIRIES.
Consumer complaint received 2021-04-01
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. (IL)

Ive been in contact with XXXX since the beginning of XXXX  when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : 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 

ALSO THESE ADDRESS ARE REPORTING TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX