davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (OH)

I got a update on XXXX XXXX and Experian saying I had a credit inquiry from XXXX and I never signed anything or applied for XXXX. Its fraudulent
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-03
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: DISCOVER BANK (PA)

On XX/XX/2021 ... Discover Financial Services ran my credit and they keep telling me they dont have any or my information in their system. But I never applied to a loan, a credit card, or any of the following. The Credit Bureau told me to get a letter from Discover Financial Services stating that it was a mistake and none of my information is found but they refused. I dont know if somebody used my social to apply or anything, but that wasnt me. Now its a hard inquiry on my credit report.
Consumer complaint received 2017-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my XXXX XXXX  purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on Santander Bank and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXX XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in Santander bank without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank Santander where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2017-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (FL)

Hello! I am currently submitting this complaint mainly because I fear that my personal information is being handled incorrectly. I recently received a voicemail from the debt collection company ACI. I understand the way collection efforts work, and I understand that calls are made, voicemails left, etc. But I was in my living room when listening to my voicemails and unfortunately now my roommates all know that I 've got a collection company attempting to collect a debt from me. All the information was flat out released with no concern for privacy. The voicemail included my name, a reference number, and the caller even stated that they were a debt collector, as if to reassure anyone that might be listening. I 'm afraid that if they happen to have any other phone numbers in their system, they may be leaving similar voicemails elsewhere. I 'm already humiliated by the fact that my roommates know that I 've got debts, I really do n't want anyone else to find out about my financial troubles.
Consumer complaint received 2017-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

This debt older than 7 years and should be removed from my credit report. I contacted them to inform them, however, they have not removed it. The debt was charged off in XXXX of XXXX -- more than 7 years ago now. They had closed off the account long before this date. 

They claim there was activity on the account in XXXX. This would be impossible since they charged it off in XXXX.
Consumer complaint received 2017-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My complaint is with Bank of America XXXX XXXX affected me from XX/XX/XXXX-XX/XX/XXXX. I pay a vehicle loan by monthly and a payment would be due in the middle of the XX/XX/XXXX. The storm wiped out all communications. The financial institution was not open. 
I have been unduly charged a daily finance fee for not making a payment on time. This institution is collecting funds that are not due them under the conditions florida & I were dealing with.
Consumer complaint received 2022-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To whom it may concern, I have had a Home Equity Line of Credit with XXXX XXXX for almost fifteen years. Recently, XXXX XXXX chose to report, " Account Closed '' on my credit bureaus, even though it is OPEN with a balance that I make payments on each month. XXXX XXXX had blocked access to funds back in XXXX when real estate values had plunged. I 've never been a day late on my payments, EVER! And now my account is considered " CLOSED ''!? 

The issue I have is that this move by XXXX XXXX of reporting my account as " CLOSED '' has caused my credit scores to suffer terribly because still having a {$71000.00} balance now makes my utilization percentage on my credit reports soar to over 100 % virtually killing my credit scores. So much so, I 'm having trouble getting credit and refinancing my house. It 's unfair and causing financial hardship for me and my family. 
The stress is unbearable, as I am unable to acquire new credit for my business or refinance my house. I need your help. Please advise.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion Transunion XXXX Transunion XXXX Transunion plus transunion XXXX XXXX needs to send me their hard credit inquiry of XX/XX/2018 also ( they do monitoring for transunion ) They keep sending me their advertising via email Please notify them to cease harassing me since I Reported them to your agency.
Consumer complaint received 2017-09-29
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: Experian Information Solutions Inc. (FL)

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

I was notified by my loan officer on XXXX/XXXX/15 that Equifax reported ( XXXX ) collection items from XXXX. I immediately opened a dispute with Equifax on XX/XX/XXXX. I learned that in XXXX 2015, XXXX XXXX XXXX ( XXXX ), posted ( XXXX ) collection items on my credit report on behalf of XXXX. Equifax provided the phone # to XXXX. The XXXX rep looked up the reference # s XXXX & XXXX and quickly recognized that these were in someone else 's name, not my address and not my social security #. She then indicated they would process the dispute and notify the credit bureaus and XXXX. I need to have this removed from credit report immediately. The XXXX rep stated that XXXX would have sent the erroneous info to XXXX with my name and address. XXXX does not look up anyone 's address/contact info. I have no accts with XXXX so I do n't see this as a glitch in their billing system. I have no idea how XXXX got my name. I 've never had a comcast account and have no idea why they would link XXXX XXXX 's accounts to me. I 've tried to get someone at XXXX to address this and after numerous waits and transfers between collections, billing, etc. they will only refer me to a website to complete a form that I then have to get notarized and send to them. Absolutely ridiculous. It is clear that these are not my accounts and the burden of proof ( and hopefully law ) should require XXXX to rectify this immediately. There must be some regulation around tagging fraudulent information to an individual. It 's clear there are some unscrupulous practices occurring at XXXX. How they tied my name/address to this person 's deliquent accounts should be investigated. Also their practice to require the consumer to complete a fraud report and get it notarized is an inconvienence that I as the victimized consumer should not have to endure. This issue is impacting my ability to secure a loan for a significant financial transaction which will cause me a financial hardship if not completed. This has placed a blemish on my credit history despite the fact that it will eventually be removed. I will seek damages if this inaccurate information causes me to lose this financial opportunity for which the loan is for. Someone needs to investigate to determine if this is a widespread practice at XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (MD)

XXXX accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX 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 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 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 XXXXXXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a right to privacy. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
Consumer complaint received 2022-09-08
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. (NC)

NOTICE OF DISPUTE AND AFFIDAVIT ATTACHED. PLEASE SEE ATTACHMENTS. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XX/XX/1986 EXPERIAN
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

After Equifax revealed my personal data to identity thieves via their wholly inadequate data security, I tried to place a credit freeze on my equifax account so that those identity thieves will not be able to fraudulently obtain credit in my name. 
Equifax wants to charge me {$10.00} for this, which is ludicrous, considering that this would n't be necessary if they had protected my personal information.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (NY)

i have been geeting several calls from them all day everyday i even tried contacting them about it. i recently disputed XXXX with another debt collector because the bill was never as high as it is now i only owed {$1000.00} now its almost {$5000.00}. i refused to pay that much. XXXX XXXX XXXX  disputed it for me because i told them how bad service was about all the payments i tried to do and how XXXX also told me i wouldnt have any early termination fees because my contract was about to be over and just leave the lines suspended because they werent in use but now its a whole other story i tried telling people that at mbw and they gave me a line of XXXX. i also told them another debt collector was trying to collect from me at the same so they said they were gon na dispute it and never did now theyre saying its to late to dispute it.
Consumer complaint received 2017-09-29
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. (NJ)

I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

Equifax is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Block the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. Please remove this fraudulent account ASAP.