davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (NY)

XXXX Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: CBC Companies, Inc. (NC)

XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX XXXX XXXX CO -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I have a hard inquirie from XXXX XXXX On XX/XX/XXXX I have a hard inquiry from XXXX XXXX and another on XX/XX/XXXX On XX/XX/XXXX I have a hard inquiry from XXXX XXXX On XX/XX/XXXX I have a hard Inquiry from XXXX XXXX 

These are on my TransUnion report
Consumer complaint received 2019-10-23
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CO)

My Citibank XXXX XXXX XXXX  card said they were giving me two months forbearance when I called them in XXXX. I was unable to pay my XXXX bill bc of forced government shutdowns. I didn't realize they expected me to pay XXXX even though I was laid off two weeks prior. I'm concerned they reported my missed XXXX payment to the credit bureaus. My credit score dropped 100 points since XXXX and Citi card lowered my limit and said I was deliquent in a letter to me.
Consumer complaint received 2023-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

you that this matter is causing me financial hardship. For any such reason an appropriate legal and lawful response cant be provided will result to further action being taken. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
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: Experian Information Solutions Inc. (FL)

There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

From XX/XX/XXXX through XX/XX/XXXX My debit card from Key Bank was fraudulently used by another party. He is a XXXX yr old XXXX name XXXX XXXX. He got my information from stealing it. I have a recording of him admitting he stole the information. I closed the card and filed a complaint with the XXXX XXXX Ohio Sherriffs Dept. I spoke to the fraud department with my bank and provided them with all the information. Key bank initially refunded me and then all of a sudden recently reversed the charges which put me in the negative {$1800.00}. I immediately called the fraud department back and asked what this was about. I was told that there was conflicting information. I said what conflicting information? I was then told that I said I had never used XXXX XXXX ( which there are unauthorized charges from XXXX XXXX ) but I in fact had. I got a bit irate because I NEVER said that. I specifically told the rep at the time which was mine and which wasn't. I refuse to be held accountable for this. I did everything I was supposed to do. This was NOT my fault but yet I'm being treated like the XXXX Something has to be done about this. Thank you for your time.
Consumer complaint received 2020-05-23
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. (CA)

I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (PA)

Immediately upon trying to transfer money to my bank account, Venmo notified my that my account was suspended. I provided all of the information requested ( copy of my drivers license and a selfie of me holding my drivers license ), contacted their customer service chat several times, and I could still not get an answer as to why my account was suspended. I would like for my account to be reinstated and to have access to my funds.
Consumer complaint received 2022-07-13
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. (NJ)

Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports.

Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXXXXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost 30 now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Ive had Bank of America XXXX XXXX credit card. Ive been a loyal customer for over 8 years. This past year my Credit card was hacked for over XXXX. Ive tried Dispute multiple times and they dont wan na work with me its not my fault and Im getting faulted for it. Im the victim and They don't want to help me out with the situation. Im not paying for something I havent done. I even gotten police report and still dont help.
Consumer complaint received 2023-04-05
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. (FL)

XXXX XXXX. XXXX Equifax were all sent letters on XX/XX/2023 from me specifically asking that all old addresses improper collection information and information. I XXXX XXXX XXXX XXXX XXXX XXXX Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (AE)

I was speaking with a XXXX Solder and he told me details about the Omni lawsuit and how he was supposed to receive a check from the settlement. But I have had loans with them in the past and received no such settlement or reach out to let me know anything about the suit. Please feel reach to reach me at my email address or XXXX.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

At XXXX XXXX  on XX/XX/2022 made a {$590.00} mobile deposit the receipt advised that XXXX would be available on XX/XX/2022 and remaining would be available on XX/XX/2022. I was notified at XXXX XXXX  that my check was deposited in my account account. Expecting {$250.00} to be in my account I attempt to use my account it declined, when I checked my I see my entire check is on hold on XX/XX/2022. I NEVER received noticed. I called customer service the person I talk to said It looks like the check got flagged for manual processing. It can happen sometimes, let me see if the department is available to release that holdno they wont be back back until tomorrow XXXX XXXX  they should be able to take care of you. I called back on XX/XX/2022 at XXXX XXXX  talk to the person I believe i am supposed to be talking too advised it was a glitch and there is nothing she can do to expedite it. I was also advised on the XXXX XXXX  phone that unsure why the funds were placed on hold and if they were to push it through it goes through a batch process so the funds would be available at the same time tomorrow so it makes no difference
Consumer complaint received 2024-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SIMM Associates, Inc. (MA)

I received another statement from a collection agency asking for payment in the amount of XXXX. The company trying to collect is SIMM Associates. I just called and spoke with a XXXX XXXX and then first thing I asked was what was the phone numbers and addresses that were attached to the credit card. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. The phone numbers provided are XXXX and XXXX. Now, this is now the XXXX credit card that I am disputing regarding fraud. The same address and phone number has been attached to the last XXXX cards I disputed. How do I go about getting this resolved too?
Consumer complaint received 2020-09-07
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. (TN)

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX  I reported it to Equifax and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Consumer complaint received 2024-03-04
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TrueAccord Corp. (IA)

I believe this phone call came from a traceable number ( they also said this in the recording-This is XXXX XXXX XXXX XXXX XXXX XXXX calling in regarding your account with our office This matter requires your attention call the number shown on your caller ID now to be connected to a live representative, who is ready for your call ) I have no account witXXXX XXXX XXXX XXXX, the number was XXXX. The only thing I can think of is debt to XXXX XXXX, which is not mine and that was removed from my credit report. But I just received a bill in for my collection company trying to collect the money when it was removed from my credit report.
Consumer complaint received 2022-07-13
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. (TX)

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX BANK XXXX was back in my report! 
- Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This XXXX XXXX XXXX  account with a balance of {$1600.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX  and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a XXXX XXXX