davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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. (TX)

The following are unauthorized inquiries I have relentlessly contacted Multiple times during the past 2 months please remove stop destroying my life. 

1 ) XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX Date : XX/XX/XXXX 3 ) XXXXXXXX XXXX Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX Date : XX/XX/XXXX 5 ) XXXX Date : XX/XX/XXXX 6 ) XXXX Date : XX/XX/XXXX 7 ) XXXXXXXX Date : XX/XX/XXXX
Consumer complaint received 2022-02-26
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. (UT)

Shocking that Equifax FINALLY cleaned up the mess they made on my report. However they have one issue they need to correct. 

The XXXX with XXXX XXXX XXXX XXXX has been paid off. Acct # XXXX. Please correct it to a {$0.00} balance.
Consumer complaint received 2020-03-03
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. (CA)

MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX  XXXX, ca XXXX, I have one fraudulent account reporting on XXXX, XXXX, Equifax, I never received the credit card from XXXX, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.
Consumer complaint received 2022-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AutoNation Enterprises Incorporated (AZ)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CIG Financial Capital Incentive Group for committing identify theft. I have never given CIG Financial Capital Incentive Group any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CIG Financial Capital Incentive Group can provide me with sufficient documentary evidence that i have any legal obligation to pay them. If this documentary evidence can not be produced and CIG Financial Capital Incentive Group continues its collection efforts, I will file for litigation for actual damages caused and CIG Financial Capital Incentive Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-02-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (CA)

I have had a very difficult time with Mid American Mortgage. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mid American Mortgage always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX Veteran who can afford his mortgage. I have been declined and I do not believe I was correctly reviewed. I do not believe the underwriter used my correct income for review.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MI)

I had a XXXX phone service for less than 2 weeks in XX/XX/XXXX. I cancelled it. XXXX said I have a XXXX  balance. One month later a collection agency sends an email to me stating that I owe them {$83.00}. I called the collection agency and they said they had no idea why I would have a bill. They told me to call XXXX. XXXX took several transfer calls to reach a manager. They said I have no bill and it will go away. So I called the collection agency and notified them that I spoke with XXXX and there is no balance. The next month comes and I receive another email bill. I did the same thing all over again. On XX/XX/XXXX I received an email from XXXX that I have a credit due back to me of {$15.00}. XX/XX/XXXX I received an email from the collection agency saying that I still owe the {$83.00}. So I called them again and they said it is a timing thing and there is no balance. I told them I have spoken with them over 4 times on the phone over the course of several months and I want to file a complaint. They would not give me their address. They said they will note my account that I am upset with them. The collection agency is MRS Associates of New Jersey is a trade name of MRS BPO, L.L.C. 
( XXXX ) XXXX. Please have them stop harassing me.
Consumer complaint received 2022-02-25
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. (AR)

{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent TransUnion a letter stating that an account that's reporting to their agency was not my account and that the account should be removed because the account was opened due to identity theft. TransUnion has not removed the account. TransUnion has violated the Fair Credit Reporting Act and the Fair And Accurate Credit Transactions Act of 2003 Account reporting : XXXX Acct # XXXX
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: ALLY FINANCIAL INC. (TN)

I disputed a charge with Ally Bank XX/XX/XXXX and the dispute was closed in the merchant favor XX/XX/XXXX. When I contacted the merchant they said that they never received XXXX because the bank have not contacted them to close the dispute. The bank did not find me nor the merchant XXXX that came out of my bank account and refused to give me information about my account. They refuse to inform XXXX that the dispute is closed. Ally refuse to let me know where the funds are and why XXXX do not have the funds. They refuse to contact XXXX to resolve this issue to clear my account with XXXX. I have many recordings of representatives hanging up on me with a supervisor calling me a XXXX
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2022 my USAA checking account was compromised/hacked, causing me to be locked out of my own account. Fraudulent charges/transactions were made without my knowledge. Upon reaching out to the institution and trying to get this problem resolved, I was told that the transactions thats ere fraudulent were my sole responsibility. When going over the transactions with the institution, they failed to protect me ( the consumer ) and failed to help me reverse those transactions and refund me those funds that were taken from me. Ive also filed a criminal report with the police department to try and have this issue resolved. Ive thoroughly explained my side of the story and provided all the information to the institution to show that I was not liable for any fraudulent transactions on my account. Here is the list of fraudulent activities that were on my account : 1. Mobile deposit of a fake check, with Forgery.

2. Transfer from account to XXXX application. 

Im seeking help in getting these resolved and getting funds back to have my account in the positive state.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from XXXX that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 


MED BUSI BUR Original creditor : XXXX XXXX PARTNERS Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (AZ)

I received a CP2000 from the IRS indicating I had received a 1099C cancellation of debt from Citibank in the amount of {$20000.00}. Ive called Citibank, they have no record of my SS # or the account listed by the IRS. 

I called Citibank on XX/XX/202XXXX XXXX
Consumer complaint received 2022-02-25
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. (IL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need this account be deleted immediatly in my credit report! 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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 a account without my written instructions
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CA)

DURING THE TERMS OF THWE LOAN I REQUESTED AN EXTENSION TWICE. I PAID A {$50.00} FEE FOR ONE EXTENSION. I WILL BE FINISHED WITH THE TERMS OF MY LOAD CONTRACT ON XX/XX/2020, HOWEVER, THE FINANCE COMPANY IS NOW TELLING ME THAT I OWE THE A BALLOM PAYMENT OF {$2200.00} AS OPPOSED TO {$740.00}. THEY ARE SAYING THAT I AM BEING CHARGED {$2200.00} IN INTEREST AND WILL BE CHARGED XXXX PER DAY IF I DON'T PAY {$2200.00} IN FULL AT THE END OF THE CONTRACT ADTE.. I HAVE PAID FOR THIS VEHICAL IN QUESTION FOR THE PAST 69 MONTHS ON TIME. I KNEW NOTHING ABOUT BEING CHARGED A BALLOOM PAYMENT AT THE END OF THE CONTRACT. ITS NOT FAIR FOR ME TO BE CHARGED {$2200.00} FOR {$740.00} AND LOSE MY CAR AFTER PAYING FOR IT FOR THE PAST 72 MONTHS. I AM A SENIOR CITIZEN XXXX  YEARS OF AGE BEING TAKEN ADVANTAGE OF. I CAN NOT READ OR WRITE THAT WELL. SO, PLEASE BE ADVISED SOMEONE ELSE IS WRITING THIS COMPLAINT ON MY BEHALF. IN ADVANCE THANK YOU FOR YOUR TIME, PATIENCE, COOPERATION, CONCERN REGARDING THIS MOST URGENT MATTER.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (VA)

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXit was sold to XXXX XXXX XXXX their sister company..it 's not with Wells Fargo ... .nothing but stress and years of them taking advantage of me..
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I can't reemive my funds I mail and call them but they don't want to help Please help me out I need my money My name and email is XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BARCLAYS BANK DELAWARE (CA)

Never received my XXXX airline bonus miles from making my first purchase in XX/XX/2021. 3 attempts made to get my bonus miles from Barclays and still no date or solid answer. The only reason I got the card was for the bonus miles and appears they have no intent in honoring the mileage. The company has confirmed I should have received them but never did yet no on can tell me why. Deceptive and misleading advertising in regards to when I would receive the bonus miles up to 3 billing cycles after my first purchase. 10 months later, still nothing.
Consumer complaint received 2022-02-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

this account was opened fraudulently. I never authorized this account. I alerted chase 3 months ago and they froze the account for fraud. but have yet removed it from my credit report.
Consumer complaint received 2022-02-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 a account without my written instructions.
Consumer complaint received 2022-02-24
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. (MO)

In accordance with the Fair Credit Reporting act : XXXX XXXX, acct. # XXXX XXXX XXXX XXXX , acct. # XXXX XXXX  XXXX , acct. # XXXX XXXX  XXXX, acct. # XXXX XXXX  XXXX, acct. # XXXX Has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-07-20
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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