davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (IL)

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 719XXXX 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 .This 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit report XXXX transunion credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX  XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : 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 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 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 XXXXXXXX I have several numbers on my file that do not be long please delete the following numbers : ( 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 2020-05-05
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$530.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}
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: EQUIFAX, INC. (IL)

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 719XXXX 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 .This 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 severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-06
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. (IN)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2022-11-19
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. (CA)

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 COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

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

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a loan with CREDIT ACCEPTANCE CORP with account number XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (CA)

I received calls asking for {$44.00} to XXXX and I told the person I didn't know what they were talking about and they had me do a complaint over the phone with them saying that I didn't know anything about the money. The were very admit that I did owe this {$44.00} because something that XXXX had done. I asked to speak with the manager and I thought that everthing had been taken care off ; then I received this letter from a Jefferson Capital. I called the number to ask what this was about and say that I didn't borrow {$44.00} the man starting asking odd questions so I asked to speak with a manager. He would not transfer to a manager said if I didn't tell him what he wanted then He would not help me. I tried for a second time and then told him that I would falllow up with an attorney. as I looked over the documents I noticed on the back of the frount page there was writing and it communicated information about The Federal Trade Commission and I tried to produce a complaint when was transfered to CDPB. 

Can you please help in this matter. thier contact informaion is Jefferson Capital Physical Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( This is what it says ) Debt Description : XXXX ACCOUNT Account # XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference # : XXXX Amount of the Debt : {$44.00} Unless you contact us in 30 days we will assume the debt id valid. 
The date of this letter was dated XX/XX/XXXX and I just recived it not toolong ago and this is XX/XX/XXXX. This this just is so odd they say that if I contact them within 30 days after the letter then they will give me a copy of the judgment against me. very odd. 

the whole thing is that I really have no Idea of what they are refering to in the first place and I believe they are doing this to a lot of people to get money. I beive this is fraud a scam to scare people so they will say that it such a small amount let me just pay it. No Way I will not be that somebody who will be taken advantage and it is my American right to stand up help the others who may be the victim of a crime such as this. 

Thank you for your assistance in this matter. 


XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-02
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: The CBE Group, Inc. (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

12. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

13. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a EDD card with Bank of America and My card was blocked after few returns from the store as it seems like they consider it as a fraud if there are returns back to the card?! And I have spent at least 7 hours on phone to unlock my card but every time I am connected to another department they pickup the phone and disconnects the call as if they are wontedly blocked my card and now they dont want to unlock it. This is a fraudulent and abuse of customers rights.
Consumer complaint received 2021-02-09
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TX)

I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with Bank of America, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from XXXX ( original creditor is XXXX XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Trade Commission Act.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc (VA)

I started investing in Blockfi in XXXX and moved my money over from XXXX. I did this because Blockfi had promotions for their interest account. They were offering over 10 % interest on some of their products, so I brought over my bitcoin and XXXX. During that time at Blockfi, they were growing in their business, and everything seemed to be going fine. I even started a loan with them where they would essentially give me the cash and hold my bitcoin as collateral. I also started using their new product, which was called the Blockfi credit card through XXXX. My first loan started on XX/XX/XXXX, for {$10000.00}. I specifically used the money to buy more bitcoin on the Blockfi platform in hopes that bitcoin would go up. Nonetheless, I made the decision to re-up my loan for {$10000.00} on XX/XX/XXXX. I currently hold XXXX Bitcoin and XXXX XXXX on the Blockfi wallet. With XXXX Bitcoin held as my collateral for the loan. 

Now with all that being said, I was depositing my hard-earned money into Blockfi over a two-year period. I believed everything that they said was true, they were growing as a business, and I believed and trusted that they would hold my crypto safely. The reason for this complaint is that they were dealing with XXXX, which is a crypto company that filed for bankruptcy due to fraud and scam. The former CEO of XXXX was charged with over eight counts of illegal activities, including wire fraud. XXXX essentially bailed out Blockfi over the summer which commingled customer funds, including mine, which is illegal. 

My life savings were held in Blockfi and unfortunately, I do not have access to them now due to Blockfi bankruptcy hearings. Another reason I believe this complaint will be heard is that Blockfi continuously tweeted on XX/XX/XXXX that all the customer funds were safe and there were no problems during the XXXX collapse. I decided to keep my funds with Blockfi and not make any drastic moves because I believed the company and trusted him. But literally the same day that night they tweeted out that they had paused withdrawals due to the XXXX collapse. 

I have been investing in stocks and crypto for over six years and this is the first time that I realize that my money is not safe due to centralized entities controlling my money. I do not know if I should sue Blockfi or XXXX but I surely do not have the funds to do that. Hopefully, this complaint can be heard and I can get some clarity on what will happen with my money. It is unfortunate that the former CEO of XXXX collapsed a {$32.00} XXXX company and lost over {$15.00} XXXX in customer funds. He even gave XXXX of dollars to celebrities and politicians to use their platform. It could have been customer funds of Blockfi as well. I am scared that I will never get my money again. 

Please help and acknowledge this complaint, thank you.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2022 I initiated a transfer through XXXX to an individual claiming to be a XXXX  XXXX for an apartment I was interested in. This was for a total of {$3500.00}. Between XX/XX/XXXX and XX/XX/XXXX, I wired {$6500.00} to this same individual as a prepayment for 6 months rent. The individual was not a XXXX  XXXX and has run off with my money. I filed complaints with my bank, Wells Fargo, on XX/XX/XXXX regarding the money I sent. Because I authorized the send, they cant help me. Even though I have written confirmation from the XXXX  XXXX that my money will be refunded, Wells Fargo will not refund any of my money.
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Kindly correct or discard the following items right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX