davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBCNet XXXX XXXXXXXX XXXX XXXX account on XX/XX/XXXX that came with a {$300.00} referral sign-up bonus promotion. The requirements to receive the bonus were to deposit {$5000.00} within 30 days of account opening and keeping this deposit in the account for 90 days. I deposited {$5000.00} on XX/XX/XXXX and have kept it in my account ever since, as of XX/XX/XXXX. The bonus should have been paid out within 8 weeks of the full bonus qualification, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and I still have not been paid, even after contacting HSBC multiple times by phone and email and being told that the bonus will be paid shortly.
Consumer complaint received 2021-06-22
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. (CA)

There are XXXX inquiries on my credit report that Equifax and XXXX are reporting that are not mine I have not approved submitted or signed for any of these and I dont know how these appear on my report XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2022-07-19
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2022-07-19
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2022-07-19
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2023-03-28
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. (FL)

I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws.

There is information that appears on my consumer report that is a results of identity theft. I did not provide written permission or instructions for the identified alleged transactions to be reported on my consumer profile/report. I am requesting that the information listed herein be blocked and deleted.

THIS NOTICE IS TO INFORM YOU THAT YOU UNLAWFULLY REPORTED AND FURNISHED AN UNAUTHORIZED ACCOUNT TO MY CONSUMER CREDIT REPORT PROFILE.

This notice constitutes a request for compliance to aid in our investigation before an identity theft report can be provided I am requesting the aid of EQUIFAX to provide proof of authorization signed and acknowledged by furnisher of source that the disputed unverifiable accounts are permitted and not intercepted unlawfully in violation of my right of privacy and confidentiality.

Trafficking my nonpublic personal information without lawful authority, verified proof of claim, verbal or written consent as permission for Proof of consent of release of information is a violation of my right of privacy and confidentiality.

Please take notice that collection, use, disclosure, and protection of Social Security numbers is can only be authorized my me the consumer.
Consumer complaint received 2021-10-02
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. (MD)

Equifax is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to this company XXXX XXXX XXXX through XXXX XXXX XXXX XXXX  several times. I have disputed this account several times. I have a recorded phone call with this company station that if I sent in supporting documents, they would remove the account from my credit and they have failed to do so. I emailed this company on XX/XX/XXXX and XX/XX/XXXX. I have sent over my FTC report, Police Report and my previous residential lease that clearly shows where I was living at the time this account was fraudulently opened. I have also requested this company to send me Hard, evidential proof that I opened this account and have yet to receive nothing but a letter stating that my claim was denied. No proof, no signatures, no hard evidence. Just a letter saying that the info provided on the application matches my personal info. Well, of course it does because they used my personal information to open the account. They also stated in the letter that the email address I contacted them from ( XXXX ) matches their records, which is indeed a blatant XXXX  because I obtained that email address in XXXX and this account was opened in XXXX.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I applied for a loan with XXXX but I was rejected even though my XXXX and XXXX accounts said I had a XXXX XXXX  score. XXXX said I should verify my information with the 3 credit agencies. I noticed that Experian has 2 late payments which are not accurate and a collection amount of {$640.00} The collection is for a {$640.00} fake XXXX XXXX bill. I filed complaint with XXXX XXXX. Experian ruined my credit based on inaccurate information. I can fix my credit if I pay monthly fees of {$24.00}. Is it not extortion to pay Experian so they stop reporting unverified fake information about me. I should not be responsible to make sure Experian reports correct information about me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

My information was used to open a fraudulent account, Ive reported this to the company countless times yet they still refuse to remove these fraudulent account from my credit report. This is a violation of my consumer rights and the Fair Credit Reporting Act. These accounts need to be deleted from my credit report immediately.
Consumer complaint received 2022-07-19
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. (MD)

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 Account # XXXX, XXXXXXXXXX****, 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 : 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21, I was notified by Bank of America automatic fraud alert system that my credit card was being used in a manner that was suspicious. As I had the credit card in my wallet at the time and was not being used, I called the fraud phone number and notified Bank of America that these were fraudulent charges. My card was then deactivated, but {$250.00} was already charged to this card fraudulently. I submitted a dispute stating that these were fraudulent charges, but 3 weeks later, Bank of America ruled against me stating that my card was used at that time therefore it was not fraudulent and billed me for the full {$250.00}. On discussing with the representative for Bank of America, I was notified that a new credit card was sent to me a few weeks prior to XX/XX/21, but that I was not notified that I was being sent a new credit card in the mail and never received this new card. I requested that my case be re-opened for investigation as it was likely that this new card that was sent in the mail was stolen and was used fraudulently. 

I have called Bank of America every single day since then and each representative in the fraud department has given me a different answer in regards to my case being re-opened. I have had different representatives tell me that the case was re-opened incorrectly or that there was no record of the case being re-opened. I have asked to speak to a manager each time and each manager has promised me to re-open the case but every day when I have called, there is a new reason ranging from the case was not re-opened correctly or that the case does not exist in the system. I have spoken to multiple representatives at Bank of America and no one has been able to help me with this.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Around XX/XX/2020 I made a request to Equifax to remove the security freeze from my credit file so I may obtain a fair credit decision, but I've found out recently that the freeze is still on my files and I'd like to have this freeze permanently remove so I can establish credit
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card provided by Goldman Sachs does not allow you to pay balance on account until such balance is posted. 
The issue with this is that your credit score is impacted when you have a pending unpaid balance. 

In my circumstance a purchase of about {$500.00} occured on XX/XX/XXXX and I can not pay my balance until XX/XX/XXXX of XXXX 

I called their technical support to remedy this issue who stated that I can not pay my balance as a matter of policy. I spoke to XXXX - id XXXX at about XXXX eastern time. 

Further XXXX did not offer a complaints process and stated that the company does not have a grievance process.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint is not sent in error. My credit report has some false and not 100 % accurate accounts. This inaccurate information is affecting my auto insurance rates to be higher than they should be. 

Desired Resolution : I need you to address this immediately and delete these inaccurate accounts off my report. I am not going to be paying higher insurance rates because of what you are reporting.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CT)

This debt was put into collections and ruined my credit on all 3 credit bureaus and they refused to provide original documents attaching my name to the debt. Refused to provide me with proof the debt was mine. I told them my attorney would be reaching out and was going to proceed with legal action after 6 months of fake reports. Then they removed the collections debt from all 3 debt collectors. Now it has shown up again under a different debt collectors name with the same debt. This is not my debt. They can not prove that it belongs to me. They have violated my rights. All of their business practices are illegal
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Annual Credit Report phone number 's phone tree and voice recognition system at the number they direct you to ( XXXX ) is so atrocious that I am not sure if they are even abiding by basic federal regulations to ensure that Americans can properly rectify issues with accessing their credit reports through the website. I repeatedly called this number and had the system misunderstand what I was saying each time. I do not even have a strong accent and have completed all of my education in the United States from daycare through law school. I am not sure how anyone with the slightest accent can use their telephone system. 
The system then ends up hanging up on you rather than directing you to an agent if you keep designating that it is misunderstanding you. This might even be deliberate so they can attest to the Federal Government that they are providing a phone option while programming it so horribly that no one can actually use it. 
On XX/XX/2023 I went on annualcreditreport.com to access my credit reports. I successfully was able to pull my XXXX and XXXX credit reports. However, I received an error message when attempting to pull my TransUnion report. It then directed me to either submit my request through the mail or call the number. 
I am still unable to access my TransUnion report because the phone system does not work.
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

In XXXX of XXXX, my leased XXXX  XXXX was totaled in an accident. My insurance company XXXX paid off the vehicle 's balance as part of my settlement and I understood my loan as being closed. I was not aware that the property tax for the vehicle would be added to my lease account " Balance '' 4 months after the car was paid off. 

Fast forward to XX/XX/XXXX, I was hit with a " collections '' account on my credit report for an unpaid balance on my BMW lease. When I reached out to BMW financial asking why I was never notified about this unpaid balance, they said they tried for a year to reach out to me and the balance was moved to collections. I never received a single phone call, letter or notification that I still had a balance on the vehicle after XXXX paid off the loan. When I asked them if they will remove the collections report on my credit report if I pay off the balance, they said they can't because its against company policy.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

trans union wants me to fill out my life 's information OK i am XXXX years old i have had credit for years weather bad or good from XXXX i had bankruptcy in XXXX then i went in to the debit relief program for 2 years so they want me to prove who i am lol for 10 years of my bankruptcy the know who i am and why should i pay the for a credit score i need a lawyer this is crazy XXXX  i have no problem also XXXX had that breach and sent me a check for damages a few months
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (AZ)

A company by the name of Absolute Resolutions INV is stating that I owe a collections " debt '' that is unjustly being attributed to me which is extremely disturbing. I believe this is affiliated with a XXXX  office that I went to back in 2016 called XXXX XXXX + XXXX in ( XXXX, Arizona ). The lead XXXX  of this office stated verbally to me that my insurance during my time of employment with a company called XXXX was 100 % in network and accepted meaning there was no out of pocket cost from myself required. When I switched employers I started to receive phone calls saying that I owed a debt which was baffling to me being that my insurance was 100 % accepted which was impossible. At this point evidently I was lied to by the head XXXX  running the office which is very unjust and disturbing to say the least.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I had an invitation from Bank XXXX for a free membership to my Equifax account. Even I set up my account properly, I got the same message as " we are temporarily unable to complete this request ''
Consumer complaint received 2021-09-01
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. (TX)

There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX Miscellaneous Sporting Goods XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX  XXXX XXXX  Bank XX/XX/XXXX XXXX  XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX