davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (GA)

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


XXXX XXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I was looking over my credit reports recently and noticed a debt from this company which seems to be a debt from some apartment complex. I never lived at that apartment listed as I have been living at my current address for over 2 years. I tske mt credit very seriously and I have filed an identity theft report with the FTC that I will include with this complaint. f this matter is not thoroughly investigated and this debt that that does not belong to me.I will not hesitate for to file an immediate lawsuit against this company and provide the proof to the courts that I have been living in my current address for about 2 years.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Debt settlement offer letter was sent to the agency on XX/XX/2020. I have a copy of the letter that was typed and mailed and its been 30 days since letter was sent and I still have no received a reply, or any information in reference to getting this account paid.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (TX)

FCRA violations : XXXX A XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My score with TransUnion has dropped XXXX points without explanation. I attempted to contact TransUnion directly by phone and the representative stated that nothing was showing up on my record that would indicate such a drop in score, could not offer an explanation, and told me to contact a credit advisor at my local bank. 
Per attachments per XXXX XXXX the only two accounts showing actually decreased in balance owed. My other score with XXXX  increased. TransUnion did not provide a satisfactory resolution to this matter.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (SC)

I found out that someone else opened up a Victoria 's Secret   Angel credit card using my SSN, and neither the company nor the bank that administers its credit card program ( Comenity ) have offered any resolution that would disassociate my SSN from this random person 's account. It's frustrating and unprofessionaland it should be illegal.
Consumer complaint received 2023-01-10
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 was exposed in a mass data breach and then my car was broken into and someone stole my id and ss card and used it to open up accounts in my name. I submitted a police report and sent it in several times. I have taken all the appropriate steps now this a an office notice OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2020-11-16
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. (AL)

In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau 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 these inaccuracies as of today. Thank you
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

I never received a letter or bill from the financial debt collector. I've made numerous attempts to have this company properly validate the debt. They have failed to provide any valid documents bearing my signature which is required by law. In return they have sent documents with certain details which are a violation of HIPPA Law. After notifying them of their violation, they have neglected to respond to any of my communication attempts. It has been over 90 days now.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible. I have been trying to get this matter handled for several months now and the credit bureaus are not giving me much help.
Consumer complaint received 2020-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there.

I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX XXXX XXXX  had agreed to remove the inquiries. I will show a picture of my transunion report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.
Consumer complaint received 2017-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (CA)

This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you ca n't. Their website is always having " technical difficulties ''. I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than {$50.00} and yet they deducted my usual full loan payment of {$110.00} out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they would n't give me my money back. They said they were going to " escalate the matter '' and call me back but never did. They are stealing from people with emergencies. They are XXXX.
Consumer complaint received 2020-12-09
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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX.On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

SYNCHRONY BANK * care credit XXXX XX/XX/XXXX ) {$0.00} balance *old navy XXXX XX/XX/XXXX ) {$0.00} balance *tjmaxx ( XX/XX/XXXX ) {$0.00} balance *jcpenny ( XX/XX/XXXX ) {$0.00} balance *amazon ( XX/XX/XXXX ) {$410.00} balance the above accounts have been closed I am guessing the following accounts will soon also be closed but as of XX/XX/XXXX they are currently open **lowes balance {$610.00} appx. bal. 
**BP gas card {$450.00} appx. bal **QVC {$400.00} appx. bal. 
The letter or email states balances are to high on credit accounts, to many open accounts. 
I have never been late on any accounts, to any SYNCHRONY held accounts nor any other creditor. 
During this time due to covid some of my credit card balances have increased. 
However, I have not failed to make above minimum payment due on time. 
I am having an issue with ine account that is HOME CREDIT credit card. 
In XX/XX/XXXX, HOME CREDIT discontinued and closed all HONE CREDIT cards entirely for everyone. 
At that time I/WE were informed that the accounts would be serviced by XX/XX/XXXX. XX/XX/XXXX I attempted to make a payment by the APP on my phone 1 day after recieved notice that the payment was rejected, I called and after 4 days finally spoke to customer service made payment by phone. Currently, I have 5 different companies attempting to collect payments for this account Home Credit, XX/XX/XXXX, XXXX XXXX, XXXXXX/XX/XXXX and XXXX. I refused to pay until this is sorted out and I am sure what company is going to be the only company collecting this account. 4 of the 5 are reporting this 1 account as 4 different pass due accounts. I have filed account with the Pennsylvania AG consumer bureau about the HOME CREDIT account. 
This affected my credit score. However, what SYNCHRONY BANK is doing is affected my credit severely and in turn using the damage to my score to justify further closing additional accounts. Effectively, closing 1 account then saying the percentage if use to credit available is to high. Then the balance ratio increases so they use that to clise another then another etc.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I obtained a lease from XXXX XXXX in XX/XX/2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XX/XX/XXXX I got a notification from Experian that XXXX XXXX lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called XXXX XXXX on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to Experian. This error was a XXXX XXXX error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.
Consumer complaint received 2020-10-28
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. (TX)

I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, Experian and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

on XX/XX/2020 a payment was processed for a fraudulent order for {$130.00} through XXXX XXXX which debited my checking account I contacted XXXX XXXX immediately to show that the order was fraudulent by a seller impersonating a tool representative for the XXXX brand. 

XXXX XXXX responded that I can try to contact the seller to reverse the payment or contact my bank. 

The seller after committing fraud obviously disappeared and became unresponsive. 

I submitted a fraud investigation with chase bank on XX/XX/XXXX. Chase has been entirely unresponsive since, until they sent a response on XX/XX/XXXX with no details, saying they investigated the charge and consider the claim valid.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I tried to resolve all my errors and inaccuracies with the credit bureaus such as Equifax, XXXX and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.
Consumer complaint received 2020-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

While Conducting a Routine Credit Check Of my Credit Information, I Noticed That SEQUIUM ASSET SOLUTION who listed Original creditor as XXXX XXXX Listed a {$290.00} Debt on my XXXX credit report. Their listed address is - XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have never had any account with this company at all.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (GA)

Never did bussiness with this company in the amount of {$10000.00}. I never did a contract with this company. i never heard of this company. They must have me mixed up with someone else. This is damaging my credit
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (SC)

On XX/XX/2023 I went in XXXX trying to do a consumer credit transaction to acquire an asset. A application was done the company stated that I needed to put {$8000.00} down. I asked the company did they operate under TILA. They stated yes they did. I know in a consumer credit transaction that a specific down payment is required in connection with any extension of consumer credit, unless the CREDITOR usually and customarily arranges downpayments in that amount.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

Our clotheswasher broke so went to Sears to shop this was the Wednesday after XX/XX/XXXX ( XX/XX/XXXX ). Very knowledgeable salesman helped us and convinced us that we should open a Sears Account to get free delivery and installation, and other benefits that an " ordinary '' customer would not get. Reluctantly agreed since we have very few credit cards and do n't want any more. 

Took an hour to do the transaction and answered invasive questions such as annual income and SSN ; started getting nervous. Salesman said we 're done, hit a button, and a message printed saying that our credit could not be approved and we would receive a letter within 10 days explaining why. 

Salesman apologized ; said it had been happening a lot lately so if we wanted to use our own credit card, he would give us the same deal we would have gotten with Sears credit card. We said no way : CANCEL EVERYTHING, INCLUDING THE CREDIT CARD APPLICATION. He did it while we watched.

The next day, I started receiving emails from Sears
welcoming me to its Rewards Program. I unsubscribed and deleted them.

A few days later, I received a letter welcoming me to Sears and providing a Sears Account Number. I called the toll-free number and followed instructions to CLOSE the account. It said : ARE YOU SURE?? And I said " YES!!! '' Today, I received a Sears XXXX from Citibank. That is the final straw. I recently applied for a credit card for my small business and was told by my bank that the credit limit was being reduced because I had too much credit outstanding. I now realize it was this UNWANTED, UNAUTHORIZED Sears/Citibank Credit Card that has now impaired my credit capacity. 

This is OUTRAGEOUS : we only filled out the application in order to get our clotheswasher. We then WERE REJECTED by Citibank while at the store so we CANCELLED EVERYTHING : clotheswasher AND Credit Card. Then I get unwanted Sears Rewards membership, unwanted Sears Account #, and now, unwanted Sears/Citibank XXXX. 

By searching the internet, I know others have been scammed in exactly the same way. It is unacceptable scammy behavior!! They need to be disciplined ; I hope your agency can do it.