davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I previously sent three  update letters to all three credit bureaus, which are XXXX  XXXX  and Equifax. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Consumer complaint received 2021-02-14
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: LEXISNEXIS (TX)

Lexis Nexis does not gove the ability to give me a free report, i need to send a form, i can not call them, we have spoken previously and she remembered my name? That is so wierd. I just need my report. Because i need to see what is on there and who, why, where, when and how certain companies can reserve the right to exclude informatio. To XXXX, XXXX, and XXXX, i dont have stamp money. I dont have money for a fax, and if i call and she remember me, i will be ashamed.
Consumer complaint received 2021-02-13
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. (GA)

All of XXXX XXXX EQUIFAX Collection Company XXXX XXXX Amount {$1600.00} Equifax deleted the information from XXXX XXXX after 120 day investigation only to place the information back on my report in XX/XX/XXXX and XX/XX/XXXX which it still remains. It only seems to disappear after I contact the CFPB and file a complaint. I have ask for proof of verification several times in XXXX but never received it. 
Equifax is the only company that this problem still consist with and I turned in a police report that the company says they can not locate anymore.
Consumer complaint received 2020-04-23
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX {$5600.00}
Consumer complaint received 2016-05-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (WI)

There was incident between my boyfriend and I. But now the collections company is coming to me because some XXXX ( his friend ) made a fraud insurance claim with my name. I am not involved with this incident. I went to court for it already and those charges were dismissed, therefor I am innocent of them. The collections company keeps harassing me even after I faxed them the proof of the charges being dismissed and told them I have a lawyer. I do not need this showing up on my credit.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KS)

Citi Bank blocked my checking account on XX/XX/2021 without giving me a valid reason. Since then I have not been able to access my funds, online banking and my salary is stuck in this account. I tried calling their Fraud prevention team but they could not give me any specifics. They asked me to wait for 48 hours. 48 hours have passed and I have tried reaching out to their Fraud team but with no success. Meanwhile, I can not access my own money, can not pay my bills.
Consumer complaint received 2021-02-14
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: FORD MOTOR CREDIT CO. (NY)

I am filing a complaint in this open account that I am reporting as a Joint User in this account. This account is now reporting late payments. This FRD MOTOR CR account number XXXX does not belong to me and has nothing to do with this. This account was opened fraudulently without my consent. I wasnt able to sign any membership agreement in this account. This account was open by my previous boyfriend. He is the one responsible and the account owner. I am not aware that my information was used to open this account. Not even aware that my ex-boyfriend had me involved in this. I have been disputing this account with Ford Motor and requested account validation because I know that I never signed anything in this account. The high balance and the late payments are now affecting me. I can not tolerate and wait for this to be fixed. Filling a CFPB complaint hopefully helps me to get the attention of the company that keeps on ignoring my request for reinvestigation and account validation. I need this account removed from my credit report.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

APPLIED WITH CARECREDIT / SYNCHRONY BANK. WAS DENIED AFTER DRIVER LICENSE WAS SCANNED AND CREDIT FILE PULLED, TOLD I COULD NOT BE IDENTIFIED. THEN I APPLIED WHILE IN XXXX  DOCTOR OFFICE FOR XXXX  XXXX, LADY IN DR OFFICE WAS TOLD OVER TELEPHONE I WAS DENIED. OFFICE CREDIT PERSON WAS OFF THE PHONE, I ASKED WHY CREDIT CARE SAID I WAS DENIED, I ASKED WAS IT MY CREDIT. SHE RESPONDED THAT IT WAS NOT MY CREDIT. CARE CREDIT SENT TWO ADVERSE ACTION NOTICE ONE STATED THEY COULD NOT IDENTIFFY ME, THIS WAS AFTER THEY PULLED MY CREDIT FILE. THE NEXT ONE STATED THAT I WAS DENIED BECAUSE I REAPPLIED TOO SOON. IT MUST BE NOTED THAT I SENT CERTIFED COMPALINT TO THE CEO OF SYCHRONY BANK DUE TO THE DENIAL AND THE PRETEXTUAL REASON FOR DENIAL IN BETWEEN THE ADVERSE ACTION NOTICES. I HAVE NOT HEARD BACK FROM THE BANK. I HAVE OPEN ACCOUUNTS WITH SYCHRONY BANK SO FOR CARECREDIT/SYNCHRONY BANK TO STATE THAT THEY CAN NOT IDENTIFY ME IS A PROBLEM AN I FEEL IT IS DUE TO MY AGE AND RACE. OVER XXXX AND XXXX XXXX.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (MD)

n 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.
Consumer complaint received 2021-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc. (TN)

I never gave The CBE Group my direct consent to communicate with me. I received a petition for an alleged debt from them in the amount of {$3100.00}. They list the Internal Revenue Service as a Creditor. I never give out my private dwelling address. I was VERY disturbed when I received something in the mail from an unknown company that I have NEVER done business with. I called the company and I am in possession of the recording where representatives from The CBE Group had access to my private personal information including my social security number. When I responded to the mail they sent me I received one communication where they stated they did not have an account for me but then received two other letters where they stated they were returning an account they referred to " your account '' back to the Internal Revenue Service. It is VERY upsetting and stressful that my information is being transferred without my consent to people I am not giving my direct consent to. I have proof of all documents received from the company and my responses to them along with copies of electronic receipts and tracking numbers from the USPS. I also have two call recordings as well. My information has been breached. The CBE Group also committed mail fraud by sending me nonmailable matters through the mail. I am sick of the deception and false and misleading communications. 

The CBE Group is willfully in violation of 15 U.S. Code 1692j ( a ) " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' The CBE Group 's response to my last complaint about attempting to collect a debt mentioned, " Our records indicate the account was returned to our client on XX/XX/2021 and is no longer being handled by CBE. Sincerely, XXXX XXXX CBE Compliance ''. This is yet another violation I never gave my direct consent for my private information to be sent to anyone. I am aware that The CBE Group has access to my social security number and private information. Returning MY information to a client constitutes identity theft. My permission was never given. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I find the language in every correspondence I received from the company obscene and profane. Every word that I have read and also the conversations I have had with representatives from the company. It is upsetting being harassed and petitioned for a debt when the United States is in Bankruptcy. Too much of my precious time and energy has been wasted dealing with this debt collection company.
Consumer complaint received 2021-02-14
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 — Problem with personal statement of dispute
Company: Comerica (DE)

I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the Direct Express ( Comerica bank ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper 590s an will never let them go above that amount al least to 600 so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XX/XX/XXXX after getting a pre-approved mortgage from XXXX for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my XXXX accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX XXXX, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back
Consumer complaint received 2021-07-04
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: WELLS FARGO & COMPANY (NC)

On XX/XX/2021 I had a pre-approved letter from XXXX  XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.
Consumer complaint received 2022-10-03
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : 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 a account without my written instructions.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-07-05
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. (TX)

I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

XXXX XXXX
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

On XX/XX/XXXX, I opened my Premier Checking Account and my Choice Money Market Savings Account with the {$600.00} bonus offer. I went into the XXXX XXXX Branch on XX/XX/XXXX and made the qualifying deposits to satisfy the bonus requirements. The banker confirmed on that day that I was eligible for the {$600.00} bonus after the qualifying activities. 

However, on XX/XX/XXXX, the online service agent XXXX  XXXX declined the bonus without telling me the specific reason. Then on XX/XX/XXXX, XXXX XXXX asked me to contact the branch. Upon checking my account history, I have only received a bonus when previously residing at XXXX XXXX XXXX. I also received confirmation for successfully enrolling in this offer on XX/XX/XXXX. So I should have been qualified for this {$600.00} bonus offer. Since I am no longer in the XXXX  area, I am unable to go into the branch to ask them to investigate this offer. Would you mind checking it again and make the bonus available for me? Thanks.
Consumer complaint received 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Current mortgage with Loancare. In 201o I was diagnosed with a life threatening illness which forced me to stop working as I needed medical care and few surgeries to save my life. I fell behind on mortgage payments. I then reached out to the mortgage company and applied for a forbearance and then a modification. In 2020 I was approved for the modification. I have submitted all the docs and my modification has been recorded in public records. I am making the modified payment however the mortgage company is still reporting my payment as late and still showing the account in default on my credit report. I have tried reaching out to the mortgage company to correct the status of my account but not getting an answer as to why my account is still in collection status. Please help
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have proof of my charges and willing to give you copies. It makes no sense to reverse the charges of my dispute with XXXX XXXX. I have called and left messages. I have not gotten any calls backs. 

I would also like to reverse a dispute and need your help, as I called twice and got no help Saturday AT ALL. I am disappointed in you guys. I thought you would not reverse charges and would be more helpful with disputes. I spend 20 mins with a customer service rep and was on hold and my phone died. I do not have a lot of time to call from XXXX. I need you guys to follow up with me.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I have issue with Citi card that has been going one since last year. 
I made a purchase through citicard through a merchandise call XXXX XXXX XXXX. That was for tourism trip to be performed in XX/XX/2020. I canceled the trip and the merchandise refused to pay my money back. I filed dispute through citi and we discovered that the merchandise used my card to book for other people trip. This is fraud I asked citicard help and they were not helpful at all. I file a claim through XXXX wgo advised me to file claim through you. The merchandise clearly through the info provided by Citi card themselves used my card to book for other people. Indeed there was 2 transactions for which I filed dispute for both one was XXXX USD and the other one is XXXX. They accepted the dispute for the first one but not for the second one despite telling them I never authorized the merchandise to use my card for XXXX
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-02-13
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. (OH)

I submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

Thank you, XXXX XXXX
Consumer complaint received 2020-04-23
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (MD)

Reporting twice on my credit report. Which is damaging to my credit. Please remove from my credit report. I am under a IDReplayment plan with Department of Education. Navinet is continunously reporting my payments late. I would like them removed from my credit report.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Funding is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my account!