davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (KY)

Apple Card says that I have a balance of XXXX when its XXXX and XXXX XXXX and XXXX  is paid off so XXXX $ due. I have XXXX $ on my XXXX XXXX credit card left till XX/XX/XXXX.
Consumer complaint received 2022-04-13
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. (WA)

In XXXX I got a call from XXXX XXXXalking about a credit card that I had opened up. I told them that this must have been a mistake. 

In XXXX I started getting calls from them asking about payments, I asked them what I supposedly received, they said a couch. I have never received any kind of furniture from them. 

I submitted a fraud report in the middle of XXXX because an account with XXXX keeps showing on my credit report. XXXX keeps verifying the account as mine when I told them that I had not received anything at all. I dont know what to do anymore
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I received reference number XXXX by email stating that they couldn't confirm my info and need more to include photo of my drivers license, social security card, government ID or more, something I know they didn't need as they already had relevant data and impeccable credit. 

I called and talked to 'XXXX XXXX at Chase Ph XXXX to confirm that's what they wanted. Once confirmed, I reminded her of my credit history and that personal information like social security number and sending them a picture of my drivers license was inappropriate and possibly illegal and that she had all the info of me that she needed. 

Insisting that I send more my told her to delete my info from their data banks that I do not want or need their card and that I did not want to be on a mailing list, have my info exposed, sold, or traded and that I would complain to the FCC ( CFPB ) to insure this. I am doing this so others don't get their info exposed by this CHASE Credit Card, and again, I don't need or want their business and surely don't want mine or anybody 's info used by them for nefarious purposes. 

They used a gimmick, ( XXXX {$50.00} free on XXXX ) to get me to file for a card and I admittingly fell for it like a fool. Lucky for me I wised up and ended it and no, I don't want anything from them but only to shine light on them to protect other people.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MA)

I received a letter from Credence in regards to a XXXXXXXX XXXX XXXX account with an amount of XXXX. This account is not mine the address on the billing receipt is not my address nor has never been my address XXXX XXXX XXXX, XXXX, Ma XXXX. 

This account has claimed to be validated I received some fake signatures that are not mine. 

This account is not mine I requested this debt be sent back to the original creditor based on inaccurate information reporting under my name and doing DAMAGES to my reputation with false claims against me.
Consumer complaint received 2022-04-13
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)

Last year I discovered a false account with XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-12
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LEXISNEXIS (NY)

Dear Sir, Madam, I have been using an XXXX XXXX XXXX credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the XXXX and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX XXXX, in their refusal explanation letter ( Adverse Action Letter attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and LexisNexis. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as XXXX XXXX is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.
Consumer complaint received 2022-07-29
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. (IL)

In accordance with 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 account # XXXX, have 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 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 2022-11-29
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: Westlake Services, LLC (FL)

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( WESTLAKE FINANCIAL SERVICES ) company. I requested that they send me the written '' Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score. 15 USC states that written Permissible Purposes must be given by the consumer and no other.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

I linked my bank account to my Robinhood account in XXXX of this year. I sent in XXXX dollars but my account was immediately locked. I was not told why, only that it was under investigation and asked me to send bank statements, social security card photos ( front and back, all XXXX corners showing ), and a selfie of me with my drivers license. 

Long story short : it has been over XXXX weeks and every time I speak to agents at robinhood they say they did not get the documents, and/or they are not in the right format and/or ask me to send more documents like my passport ( front and back ). Every time I call they ask for more documents that were not requested before, and yet they gaslight me and put the blame on me for supposedly not following directions or not getting back at them. 

During many of my calls they claim they can't find my records and say there have been numerous different case numbers created and hold me responsible for keeping track of all of them. They even had me take selfies with the computer camera after I had sent XXXX other selfies holding XXXX documents the first which they couldn't find and the second which they said was not sufficient but with no context. When I told them I just want my money back they told me they can not give it back because the account is under investigation, however they refuse to tell me why. 

Their customer service is rude, pathetically useless, and every time I call I feel like each agent handles the process in a completely new and different manner. They cut me off while I speak, and blame me for all the documents not being good enough. 

I am afraid for my Identity being stolen by these people, since they basically have everything about me. 

This feels like a scam and like my money is being held XXXX for them to do with it what they please. I have recently read tons of horror stories similar to mine and I really hope I do not become another statistic. I just want my money back.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-13
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. (MI)

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2018-12-14
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: Navient Solutions, LLC. (PR)

On XXXX or XXXX I called Navient to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Johnson Mark LLC (UT)

These guys haven't proven that they should be having any contact with me to start. The seem to not be able to produce anything with my signature that would allow them to have any contact with me whatsoever. They have harassed me relentlessly, send me copies of bills that look like someone with word processing and graphic design capabilities. Nobody can seem to find a copy of an actual payment, delivery confirmation, photo ID of the person that opened the account. Just a bunch of scam material to steal from people. Ive easily been able to duplicate the bills in a XXXX document. All I needed to do was download a logo from XXXX XXXX and I have a bill that looks exactly like the ones you sent me. These guys do this so that they can steal from people. XXXX even changed my address in my credit file without my knowledge or consent... twice. These guys then apparently get a court order stating that the person owes XXXX but, then they want you to pay some other company called XXXX. Nowhere on the court document is XXXX listed. This REEKS OF FRAUD AND IDENTITY THEFT. They seem to have all of my PII when I never actually gave it to them. They fail to provide any kind of signature proving that they have the right to my personal information. They have now harassed other people in the process when they NEVER HAD THE RIGHT TO BEGIN WITH!!!!
Consumer complaint received 2022-04-12
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)

In accordance to the Fair Credit Reporting act the companies listed below have violated my rights. 

XXXX & XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX & XXXX  Account number XXXX XXXX 

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.
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (OH)

My son and I were driving to Florida. While I was sleeping, on XX/XX/XXXX, he approached a toll and understanding that we have XXXX, he went through the section that allows you to go through. Not thinking anymore about this, I received a letter from the XXXX XXXX XXXX XXXX XXXX that I owed {$25.00}. Concerned, I spoke with a lady that totally understood the situation and said I'm not alone it's happened to others and that XXXX does not accepXXXX XXXX   customers. So rather than contacting me first to pay the {$.00}, they send it to a colleciton agency without notice. I would think that this is not legal to do, making no attempt what so ever to collect it. Keep in mind that there is no sign stating that XXXX is not acceptable and according to my Attorney said if this problem exists, it should be stated XXXX  only and it doesn't. She told me to write a letter explaining what had happened and wait to hear about paying the toll due. I had no problem doing so. She said to address the letter to XXXX and mail to XXXX XXXX XXXX in XXXX, WI XXXX and I did so on the XX/XX/2018. In XX/XX/XXXX, I received a second collection letter that never acknowledged my letter sent in. I called again and spoke to XXXX on XX/XX/18 and again she gave me instructions on what to do to remove this fee and to include a letter of explanation in which I did for the second time that stated the same thing written inXX/XX/XXXXassuming this had been taking care of. Per her instructions, I should get a letter telling me what I owe to pay just the toll which happened to be {$.00}. Then I received a third letter with no acknowlegement of letters 1 & 2 that had previously been written.. This is harassment as far as I'm concerned. Getting real here, do they really think I would intentionally go through a {$.00} toll??? I don't think so
Consumer complaint received 2022-07-29
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: SUNRISE CREDIT SERVICES, INC (NY)

While in the process of refinancing my house, my loan company generated a credit report history, whereby the 2 below accounts appeared on the report, and were not recognized by me-nor I have requested to open them. They were fraudulently created with my stolen identity : XXXX Account XXXX XXXX opened XX/XX/2021 ; Balance owed : {$1400.00}. This was opened by someone in the state of IOWA ( I never lived there ). 

XXXX Account # XXXX opened XX/XX/2021 ; Balance owed : {$300.00}. This was open by someone in XXXX, NJ ( I never lived there ). 

Since they are now in " Collection '' Status '', this has caused a very negative impact on my credit score and history. They will need to be removed ASAP, so my loan company can do a rescore to continue with my closing. 

I have also email personal information to both companies to prove my identity, and filed an Identity theft report with the local precinct ( central Complaint # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OH)

XX/XX/2022 - We deposited an {$18000.00} personal check and a {$920.00} XXXX XXXX XXXX check into our joint checking account. The deposit was held pursuant the three-day restriction stated by ALLY bank. 

XX/XX/2022 - We made a {$300.00} XXXX payment and were subsequently notified that the payment wasn't received, wherein it was cancelled and a replacement payment of {$300.00} was made on XX/XX/2022 to replace the original transaction. 

XX/XX/2022 - We receive notice that the {$18000.00} was available, and we ordered a wire transfer for {$17000.00} to pay court awarded attorney fees. Informed that this would take two days. 

XX/XX/2022 - Received an email of a banking PIN change, which I attempted to respond to only to be locked out of our joint account and my Social Security direct deposit. Subsequently, contacted by ALLY Fraud security interrogating me as to the deposit of the {$18000.00}, requesting proof that the wire was being directed to attorney 's fees and questioning the XXXX payments of {$300.00}. Despite providing this data contemporaneously, ALLY continued to block access to our joint account and my Social Security direct deposit. 

XX/XX/2022 - I was directed to contact ALLY due to suspicious activity they had detected on XX/XX/2022 and they locked all my accounts and refused to release my Social Security direct deposit. 

XX/XX/2022 - My wife was contacted by ALLY fraud prevention demanding personal contact data as to the individual that had issued the {$18000.00} check despite having his banking data in hand before agreeing to release our accounts. The party that had issued us the {$18000.00} check reported that ALLY had contacted him by phone requesting not merely if he had issued the funds but inquired as to the nature of why the funds were issued. 

XX/XX/2022 - ALLY finally released the holds on the account and issued the wire transfer and we were able to gain access to our joint account and my Social Security direct deposit. ALLY was notified on the call from Fraud Prevention that we would be filing a report with the CFPB regarding the matter and notify Social Security of the restrictions it had posed upon my retirement benefits. 

XX/XX/2022 - ALLY Customer Service issues a statement acknowledging their unsatisfactory service while misconstruing the facts as supported by the correspondence evidence in email and facsimile formats. No explanation and exception were at any time provided regarding ALLY 's restriction to my unmingled Social Security direct deposit funds, which is a violation of law and SSA and US Treasury Regulations.