davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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: Conn's, Inc. (TX)

The account CONNS is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NY)

Someone used my identity to purchase vehicle rims. I only found out about the occurrence after it hit my credit report. I called the company and they informed me that a black male was the one who did the transaction. I did not even own a vehicle at the time of the transaction. Please help me get this removed from my report because it WAS NOT me.
Consumer complaint received 2021-02-24
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. (KS)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-06-21
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. (NY)

On XX/XX/2022, I purchased a vehicle from an car company XXXX XXXX XXXXXXXX ) and I already had a pre-approval from my bank XXXX XXXX XXXX XXXX. They expressed to me that they could get me a better interest rate, with another bank that they have partnered with, and that it would not be a hard inquiry on my credit, but a soft inquiry. 

They expressed that it would be a pre-approval so that there would be no hard inquiry on my credit report. As I checked my report, I've seen MULTIPLE inquiries from auto lending banks and this company did NOT have my permission to do so.

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 Following hard inquiries that should be deleted and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NJ)

on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Consumer complaint received 2022-06-21
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)

n accordance with the Fair Credit Reporting act XXXX XXXXL Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 2022-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report today ( XX/XX/XXXX ), I found an entry from this bank listing XXXX # : XXXX / XXXX | Original Charge Off Amount : {$100.00} | Dated : XX/XX/XXXX I am not aware of said account with XXXX  and it became apparent that there was an issue with the banking systems when I tried to open an account for my small business but was unable to. I most recently tried to open an account with my family referred XXXX XXXX XXXX XXXX XXXX ) and was cancelled the following day by early warning. I disputed this reporting with CHEXSYSTEMS and requested all documentation of the accounts validity. CHEXSYSTEMS and XXXX have not responded in lieu of my request and dispute in the ownership of this account. This is not my account and is causing my the inability to fairly operate as a responsible consumer. 

I've attached a copy of my dispute letter.
Consumer complaint received 2022-12-08
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$17000.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

A balance is reporting on my XXXX XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX  XXXX XXXX and they have failed to correct it.
Consumer complaint received 2022-06-21
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)

I have disputed credit inquiries with Equifax band they open and close my dispute in the same day with the same Generic response they dont even investigate. I need help someone is applying foe loans and Equifax wont stop it or remove the inquiries. The list of inquiries are below 1. XXXX XXXX  Inquiry : XXXX. XXXX, XXXX 2. XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 4. XXXX  XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Trans union is leaving this on purpose I have had to dispute this like ten times because there are several different reasons it shouldn't be in my report one being the name on the account isn't even my name so that is an error and has to be taken off my report second the amount is totally bogus this was settled in a court if law and then give months later bam it just shows up at XXXX on my credit report and it was settled in court we had an agreement next the amount is wrong I didn't owe {$26000.00} even when I owed money to anyone so that XXXX XXXX and the company saying I owe them agreed to settle this with me back in XX/XX/2022 and now they just throw this up on my credit report after we came to an agreement and I moved out and trans union keeps telling me they investigate it and they don't cuz it f they did it wouldn't have in accurate information on my report that is effecting me getting student loans and a house loan my credit is near perfect besides this horrendous collection amount that's been in there for XXXX months now and shouldn't be
Consumer complaint received 2022-07-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (NY)

CIT Bank, NA, closed my account on XX/XX/2022 for no reason given with no warning and for no issue I can discern. I had a cash balance in this money market account of {$110000.00} ( rounded ) and they paid out by check the full balance plus {$63.00} ( rounded ) for the XX/XX/2022 accrued interest ( total of {$110000.00} ( rounded ) ). They sent me 2 letters saying I had to pay back the {$63.00} ( rounded ) interest without providing me with final statements or any additional details as to why and at the time I had no knowledge the {$62.00} they were asking for was because they believed they didn't have to pay me interest. The 2nd letter arrived on XX/XX/2022, AFTER this unpaid claim was filed with XXXX. I called XXXX both times I received a letter immediately and asked them how to pay the reported but unexplained {$63.00} ( rounded ) and in both cases ( plus a 3rd additional call ) I was told to ignore the letter it was sent in error and there was no missing balance on my account so any check I submitted would not be credited against my account. The 2nd call was routed to the fraud department which informed me there was no issue and I shouldn't worry. Please remove this erroneous and unfair mark. I have worked hard and saved plenty of money and {$62.00} ( rounded ) is not a meaningful amount to me, I will happily pay it off to remove the issue which is now affecting my XXXX rating- albeit, it's an unfair charge which XXXX is leveling to me and makes no sense since they closed my account and sent me a check for all the funds in the account. 

The entire issue caused me missed work, caused me fees for having insufficient funds at another financial firm on time ( I paid those fees because I don't have issue with covering fees I owe ).
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TN)

I have reached out to this company several times via mail about VALIDATING this alleged account they claim belongs to me. I have received no response. I also called and they want me to give them my personal information just to inquire about an account they have listed on my credit report. I would like this account removed ASAP. I am needing to purchase a home for my children and myself and this account is holding me back. According to the law anything that is reported must be 100 % accurate and I have yet to receive anything bearing my signature in agreeance with this alleged account.
Consumer complaint received 2022-08-15
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2020-08-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/XXXX My fha loan was broker out from XXXX XXXX XXXX   to Carrington mortgage service due to the covid-19 and because they went up on there credit score. Few weeks went by then oon. XX/XX/XXXX I received a text message from my loan officer ( XXXX XXXX ) stated that underwriting approve my loan with ( Carrington ). On XX/XX/XXXX I was sent a approve email and 3 day disclosing. Then on XX/XX/XXXX @ XXXX I received a email from a attorney office stated that they firms was handling my property closing and I was scheduled to close on XXXX, XXXX at XXXX. And I need to wire transfer my 3.5 percent on XXXX XXXX which I did. Well on XX/XX/XXXX @ XXXX I should up to closing they stated that they didn't sent over the final contract. The same day I contact my loan officer ( XXXX XXXX ) and he stated that he contacy them ( Carrington ) and waiting on reply. A other few week went by I wasn't get any answer from city worth or Carrington. On XX/XX/XXXX I received a other 3 day disclosure and closing date was a XX/XX/XXXX but two days The on XX/XX/XXXX, @ XXXX I received a text message from my loan officer ( XXXX XXXX )  stated that underwriting ( Carrington ) won't let us closing because a old collection from back XXXX and that I had to pay it off for us to close. Which I did then on XX/XX/XXXX @ XXXX I received other messages from loan officer ( XXXX XXXX ) stated that we was waiting on CXXXX. A other few weeks went by without no response from both company. On XXXX XXXX I received other message loan officer ( XXXX XXXX ) Stated the XXXX won't let closing because of tax return and request irs transcript. ( Mean while XXXX XXXX loan was extended the contact on the house with the seller 5 time by now ). By XXXX XXXX I have heard anything from both company. On XX/XX/XXXX @ XXXX. I received message from loan officer stated that the underwriting ( Carrington ) wasn't responding. Then on XXXX, XXXX, XXXX I received a other message from my loan officer ( XXXX XXXX ) stated that now underwriting stated they the collection and tax was clear and now Underwriting ( XXXX ) stated that i can't use {$4700.00} of the XXXX that the attorney already have she stated that it couldn't be source. Meanwhile ( My Family of XXXX are living in hotel waiting in closing date ). I work on source a other {$4700.00} which i came up with it with my saving and pay check. On XX/XX/XXXX I received other message from my loan officer ( XXXX XXXX ) stated now she at underwriting stated there other issue ( Carrington ). Then on XX/XX/XXXX, I received a message from my realtor for me to sign a ( unilateral notice to terminate contract and disbursement if my XXXX earnest money to the seller ) which i didn't sign. Because don't want to lose my {$3000.00} earnest money. But I never received any other information about my loan so I'm waiting in hotel for a denial letter or something. I'm lost the house because they won't extended the contract anymore.. so I'm XXXX with family of XXXX.
Consumer complaint received 2022-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I applied for a HELOC from Citizens Bank. 

As a part of the application process, Citizens requires that I sign an " Authorization Form '' which grants Citizens the right to obtain any information at any time about my application, which seems rather excessive, unnecessary and unfair. 

My concern is that in order to get a HELOC, Citizens will have the right to pull my information whenever it wants. 

The form says - " ... the undersigned hereby give Citizens authorization to obtain any and all information necessary to complete my application request. It is understood that a photocopy of this form will also serve as authorization and the right to verify or re-verify all information for any time period before or after the credit decision is made. ''