davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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: Credit Wise Recovery Solution LLC (LA)

I have credit wise account attached to my XXXX  XXXX account. Today XX/XX/2021, when I went to check my credit score update there was an alert on my account. when I checked the account it said another name was associated with my social security number. The name stated was XXXX XXXX. Credit wise said they received this information on XX/XX/2021 but this was the first time I was informed. My credit card balances are all accurate, I have no false infromation, other than XXXX XXXX name on my account and no money is missing from my accounts. I am trying to file a fraud alert to make sure this XXXX XXXX is stopped from perhaps trying to use my credit, or deplete my accounts. Thank you
Consumer complaint received 2018-01-27
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. (OH)

My student loan was closed due to my XXXX XXXX   XXXX from the Veterans Administration. I was forced to take all three credit bureaus to court. TransUnion is still reporting incorrectly. I am being reported as a XXXX status showing collateral debt, which is incorrect. There is no collateral ever used. I have contacted both the XXXX XXXX XXXX and Transunion to correct. The XXXX XXXX XXXX states that it is Transunion reporting incorrectly. My attorney has advised me to submit here to start the `` Trail of paperwork '' to show attempts to correct.
Consumer complaint received 2018-01-27
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: CORELOGIC INC (GA)

I called XXXX  and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : Credco and XXXX XXXX.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (WI)

Receive calls daily from different phone numbers belonging to XXXX XXXX. I have asked three times for them to stop. They want someone who does not live here and is in fact deceased. The person apparently provided my phone number. I am not related to this person.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion. Based on misinformation and information I didn't consent to give. It has prevented me to get loans to support my business. This is so unfair. I have attached a letter to express what I want to be done about my customer report.
Consumer complaint received 2018-01-27
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. (TX)

cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer billion of dollars XXXX  breach has caused all this
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022, I attempted to open a checking account at TD Bank. I was advised that the only way I could open the account is if I provided a credit card number in the form of the Social Security number, which I do not own but am a beneficiary of. 

I did provide the Social Security number and did open the account as a beneficiary. Any activity on the account is to be for my benefit. TD began deducting money from the account and I do believe that the money that was deducted was done so fraudulently, in violation of Consumer Protection Laws, and not for my benefit. 

I did contact TD Bank between XX/XX/2022 and XX/XX/2022 regarding the fraudulent deductions. I was informed that the matter would be corrected, and the money that was removed from the account was put back. 

As of XX/XX/2022, TD Bank has begin deducting money from the account again, fraudulently, and not for my benefit. When I attempted to speak to someone by calling the customer service phone number, I was told that I would have to go back to the location I opened the account in. When I asked for the contact number or email address for the legal team or law department, I was instructed that there was no contact information and that I could not speak to anyone to settle this matter. 

I have attached a redacted version of the new account form, where I signed as beneficiary.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (GA)

My identity was stolen and continues to be used from time to time. My credit score was XXXX in XX/XX/XXXX and had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXXhave had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (IL)

On or about XX/XX/2021 I fell victim to two multilayered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my EASTWEST account to these fraudulent investment companies. 
Due to personal circumstances I was particularly vulnerable during this period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. Details of my case can be found in the attached
Consumer complaint received 2019-03-08
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: Experian Information Solutions Inc. (VA)

Banks keep telling me that XXXX  is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

In the wake of Equifax 's unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by XXXX in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC. XXXX # XXXX This letter is a formal complaint that has been reported Inaccurate to the Credit Bureau. Federal Law Requires furnisher 's of information to report accurate credit information to the credit bureaus and in this case they have failed to do so. I disputed the following information over 30 days ago and they have not removed this information as of yet. 

This inaccurate information must be deleted from my credit file Immediately. Please contact all agencies that have been reporting this and remove this misleading information from my credit profile because this is a Violation. 
Thank you! 

XXXX XXXX : Address : XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Balance : {$180.00}
Consumer complaint received 2021-06-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Subject Fair Credit Reporting Act 609 I want from Equifax The Original Contract Pay off disclose Interest pay disclose Balance History Payment history Credit insurance From XXXX XXXX
Consumer complaint received 2019-12-05
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. (CA)

I discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.
Consumer complaint received 2018-06-06
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: Experian Information Solutions Inc. (TN)

I have requested the original contract from XXXX, XXXX, and Experian on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX XXXX and Experian are all miss informing creditors of my information, and in violation of federal law.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for the XXXX  XXXX XXXX and was told I would get XXXX miles and a free companion ticket. I did not receive these. When I followed up everyone kept telling me to wait. I followed up again as was told I would not receive this at all. I was still charged the {$50.00} account fee even though I did not receive any of the benefits. I cancelled the card and asked for a refund, or even a prorated refund, of the account fee and it was refused. I don't see why I should pay for an account fee when ( 1 ) I don't receive the advertised benefits and ( 2 ) I don't keep the card for the full length of time. I should get a full refund for the account fee, but at a minimum I should receive a prorated refund since I am not keeping the account for the full year. Additionally, you should look into the shady and misleading practices of Bank of America. When I apply for a particular card and am approved, I should not get moved to some other program without my permission and it certainly should not be a bait and switch, misleading situation.
Consumer complaint received 2017-11-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My husband XXXX XXXX suddenly. I fell 3 months behind and I requested that Wells Fargo please allow a modification of put the 3 months I was behind on the existing loan. They did not. Instead they put me into a new loan before I knew it and my payments were several hundred dollars more a month than before. And now they send me paperwork saying it explains what happened after the fact but this explains nothing. They took advantage of me after my husband XXXX. And I need HELP!!!!
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (WV)

I am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX  coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!
Consumer complaint received 2018-01-27
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. (MI)

XXXX  and Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from Experian told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

XXXX XXXX used my info to apply for the credit card offeres based on my scores and it lowered my score I did not submit a credit for the capital one cred Cards
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Data Corporation (CA)

I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (IL)

I received my chime card on XX/XX/21 and activated it XX/XX/21 and put 2 cash deposits. One in the amount of XXXX $ and one for XXXX XXXX XXXX was only able to do XXXX per transaction which is why 2 separate deposits were made. I had direct deposit set up as well but has not been received that way because it takes 2 billing cycles to complete. I used my card 2 times. Once while on vacation at a T-shirt shop for XXXX $ and once to pay my utilities bill about XXXX XXXX At XXXX this XXXX  when trying to withdraw money from an atm I received An email stating my account had been closed. I am now stranded 200 miles from home on what was supposed to be my vacation has turned into a nightmare as I have no access to any of my money with my XXXX young children with me.
Consumer complaint received 2018-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company, Portfolio Recovery, has been calling my number for 6 months from different phone numbers on a daily basis. I know that it is this company because when I looked up the numbers on the XXXX app, it recognizes that the phone number listed is a " spoofed '' number. They are using phone numbers that have the same area code and prefix or using phone numbers that belong to different companies. On XX/XX/18, they called using the number ( XXXX ) XXXX which belongs to XXXX XXXX ; ( XXXX ) XXXX. In XXXX, they called using the following numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. In XXXX, ( XXXX ) XXXX. 

If I owe them, I have yet to receive a written correspondence via mail. I refuse to answer calls of numbers that I do not recognize due to the many phone scams that are currently being reported on the news and consumer reports sites. When they call, they never leave a message. According to the XXXX app, they several people have complained that they are spoofing numbers, calling people with debts that do not belong to the person called, rude representatives, and calling without leaving messages
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NV)

XXXX a Home Depot XXXX XXXX Credit Card was opened in my name without my permission. It was used and I was made aware of the card in XXXX  after receiving a bill. It was immediately reported. I have never applied, received, or used ANY type of card for this store. I reported it to the store, to no avail. They could not help me. They told me to file a police report and nothing else. I reported it to the credit bureaus, and froze my credit. I also setup fraud alerts regarding any use of my credit. They will not stop harassing me, and I have told them everything I could. I would never open any new card accounts knowing that I wouldnt be able to fulfill my end of the agreements for payment. My only income is social security. I am a XXXX XXXX and all of these harassment calls are elder abuse. This is just one of 6 cards fraudulently opened in my name, including attempts to open new accounts. Money was also stolen from my bank account. Money that I was desperately depending on. Money that my husband and I inherited, it was a small inheritance, but it was everything we had.