davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Equifax are allowing companies to place inquiries against without first contacting me to see if the inquiry is valid as per my 7 yr credit file freeze. I have sent a police report to Equifax previously which they have on file for Identity theft and they are continuing to allow these things to happen. With their recent Breach I do n't feel this company is taking all measures to protect consumers. The following unauthorized inquiries are ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Furthermore recent disputes with the one collection I have with XXXX XXXX XXXX is being ignored. I have numerous times state that I do not have a Contract to pay this company and the account is still affecting me.
Consumer complaint received 2022-01-07
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)

My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION BUREAU INCORPORATED (GA)

I spoke with Collection Bureau Inc on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX ( one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX ( XXXX XXXX XXXX  to be exact ) and spoke with the property manager. She informed me she never received any type of dispute from Collection Bureau Inc. At this point the CFPB should investigate and shut this company down by responding with false and fraudulent  information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX. Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having XXXX. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (OH)

I have repeatedly asked this company to verify a debt they say I owe. I have even offered them a settlement amount to take it off of my credit reports because this alleged debt is harming my credit. I have also checked on the FTC website and they are actually on the banned from collecting list. All they did was send old XXXX bills, but never verified any business I have with them. I do n't have no contract with Pinnacle. I asked them to show me something bearing my signature proving I owe Pinnacle anything. I have not received anything in writing from them at all! They ignored all my letters because I do n't want to do anything over the phone. I like to have a paper trail for everything I do.They sent your company a letter some months ago under a company known as XXXX back in XXXX. But I never received anything myself. I have sent them multiple letters and they fail to respond! When I went to file a complaint with FTC they said to try with CFPB first. I will take legal action if this is n't removed my credit reports. The link to the court judgement is below. I am trying to repair my credit and they are damaging it. Thank you for your time in this matter. I would love to get this resolved without taking legal action but they have left me no choice. 
https : //www.ftc.govXXXX
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (MI)

I have submitted support tickets since XX/XX/2020 several times with no response. 

I can not withdraw my funds to my bank or another wallet due to email confirmation to such acts issue ( lost only the email access ) They have always helped me out in the past though this time it seems as if they stopped trying to help me with email changes.
Consumer complaint received 2018-04-05
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. (NV)

I opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

On XX/XX/XXXX I tried to place a security freeze on my Experian credit report via their website at https : //www.experian.com/freeze/center.html I tried to do this three times, all unsuccessfully. Each time, the website stated that I would need to provide a police report in order to place a freeze. I do not have a police report, as I am not a victim of identity theft. However, under the Economic Growth, Regulatory Relief, and Consumer Protection Act, a law enforcement report is not necessary to place a security freeze.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NY)

I entered a consumer credit transaction on XX/XX/2022. Transaction number XXXX. Navy Federal Credit Union stated that it was a loan and tried to deceive me into thinking I am the borrower and they are the original creditor. When all I am doing is extending my own credit under 15 USC 1602 ( g ). And Navy Federal Credit Union is trying to deceive me stating its a loan, when it comes with a finance charge ( 15 USC 1605 ( a ). So if its comes with a finance charge hows it a loan? When all I am doing is selling credit. This is false and misleading.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (TN)

In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (WA)

We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

I submitted an online application to GuaranteedRate.com, including my social security number and authorization for a credit check, on XX/XX/2018. I never received a response about whether I was eligible for a loan. 

My understanding is that the lender is supposed to provide a loan estimate within three business days after I apply. I followed up multiple times with the lender and never got a yes, no or maybe. 

I heard back from the loan broker on XX/XX/2018 requesting some documents, which I provided on XX/XX/2018. I then followed up several more times and each time the broker said he'd get back to me " within 24 hours. '' I made my final request for information on XX/XX/2018, and was told they would get back to me " today. '' I understand that not everyone provides good customer service, but this is very upsetting to me because now I have an inquiry affecting my credit score for one year, and nothing to show for it. Furthermore, the inquiry undoubtedly caused my score to drop which affects my ability to get this loan from someone else.
Consumer complaint received 2018-09-27
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. (NY)

Back in XXXX while checking my XXXX credit report I found a negative payment showing from XXXX XXXX XXXX.It showed that I was delinquent for {$1000.00} I contacted XXXX to dispute it and it was removed. On XX/XX/XXXX I received a judgement in the mail from XXXX XXXX XXXX looking for the amount of {$2400.00}. I had no idea what this was about and tried to contact them to find out what this was. They could not give me any information so I contacted a lawyer by the name of XXXX XXXX in XXXX. I paid him {$800.00} to retain him and he contacted XXXX XXXX XXXX. They too could not tell him what or who it was for but he told me if he could negotiate it down it would be easier than fighting it as it becomes expensive. He stated that this is the business practice of XXXX they just go in and get a judgement without my having any knowledge whatsoever that they are doing this- never notified at ll. He got it down to {$1000.00} which I paid and was told that my credit would not be affected. Well now my credit score has plummeted as it was put on my Experian report. I disputed it and XXXX XXXX will not remove it. They had to remove it from XXXX  and XXXX  as they had no proof that it was mine and it was not mine. But it was cheaper to pay the money to this company than to fight it. Experian will not remove it and it is not right as it is keeping my score very low. My bills are usually paid in full each month and I believe that whatever information that Experian got from this XXXX XXXX company was incorrect.
Consumer complaint received 2017-11-06
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. (MS)

The XXXX XXXX XXXXt account ending in XXXX was on my credit report for years and the credit bureau 's ( Equifax , XXXX , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( 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. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blackhawk Network Holdings Inc. (WA)

I had a balance of roughly {$2000.00} in my XXXX XXXX. The XXXX was suddenly closed several months back ; I have not been able to log into the XXXX XXXX for several months nor have I received any compensation for the balance that was there. I have attempted many times to contact XXXX customer service regarding the issue and they have not assisted me at all.
Consumer complaint received 2021-09-16
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: WELLS FARGO & COMPANY (NC)

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 Wells Fargo Dealer S XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

On XXXX ( Saturday XXXX I was alerted via an XXXX XXXX that someone attempted to open a checking account with JP Morgan Chase. On XXXX, I was able to communicate with JP Morgan and discovered that on XXXX a checking account was successfully opened. The account has since been closed on XXXX.
Consumer complaint received 2019-06-06
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. (OR)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (NY)

I recently called my bank in order to see if I qualified for a title loan. The reason for my request is that I have recently fallen behind on my child support payments and my license, as a result, had been suspended. The customer service agent conveyed to me that TD Bank doesn't offer this type of loan, however, see did inform me that I might be interested in TD Rewards card. The card would allow me to retire some credit card debt via balance transfer which in turn would free up credit for a cash advance. She told me that the application could be completed over the phone and the entire process would take ten minutes. However, the process would require a hard inquiry on my credit report. This concerned me because I was aware of the adverse consequences such actions have on ones credit score. I specifically remember the sales agent saying that a " decision '', approved or not approved, would be rendered immediately. As much as I didn't want the hard inquiry, I accepted the offer to apply for the card. Indeed the response was immediate, but it did not indicate approval or non approval. The response from the computer was that I would hear from TD Bank via mail within 7-10 business days as to whether I meet the criteria for the card. At no point during the call did the sales agent warn me that there was a remote chance that I would have to wait 7-10 days for a response. Indeed, the immediacy of the decision played a major factor into me agreeing to apply for the card. I asked top speak to a supervisor to voice my displeasure with the process. I told a woman named XXXX that I was told a binary outcome ( yes or no ) would be rendered in 10 minuets ( not 7-10 days ) if I agreed to the application process. I told her that I would like to have the hard inquiry removed from my report or to resubmit the application with an eye towards approval given the circumstances. She told me that the hard inquiry could not be removed but she could resubmit the application. This didn't inspire much confidence in me given that no additional financial underwriting had been offered or performed than that which had already produced and undesired result. So now I'm left with no TD Bank rewards card and a hard inquiry on my credit report. In retrospect, I feel that I would have been better off if the original sales agent had simply said that TD Bank does not offer title loans in New York and if that was the end of the conversation then no harm no foul. However, obviously this was not the case.
Consumer complaint received 2023-01-09
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. (TN)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX Has violated my consumer privacy rights!!! 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 section 2 It also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason..
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.