davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (NC)

XX/XX/2020 I received a payout from my homeowners insurance of {$8200.00}. This was for damages caused to my home and out building due to a tornado that touched down less than 20 foot from my home. My roof on my home was leaking, shingles pulled off and my building was missing the doors, tin from the roof and post were knocked from the ground. I didn't ask for {$8200.00} to be issued to me, that was the adjustors choice. Why am I being penalized for using my homeowners insurance? 

The outbuilding is not listed on the claim and I felt it was important for it to be known the total damages was not all on the home.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yes this is XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX SSN number is XXXX my information was stolen during a data breach with XXXX and after i checked my credit i found account and inquiry that was on my credit .I called the credit reporting company and they will not removed the inquiry. I Here are most of the Hard Inquiries Ir/XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I would love to get these items removed from my credit report this is causing my family hardship because of this.
Consumer complaint received 2022-05-03
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. (NY)

XXXX  card services acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. 

XXXX  card services acc XXXX this acc do not belong to me XXXX XXXX XXXX XXXX this acc do not belong tome
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AR RESOURCES INC. for committing identity theft. I have never given AR RESOURCES INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AR RESOURCES INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AR RESOURCES INC continues its collection efforts, I will file for litigation for actual damages caused and AR RESOURCES INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-01-24
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. (FL)

XXXX XXXX and XXXX XXXX are the same account and are not suppose to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX  credit cards has been removed from My credit report From XXXX after it found the account was not mines.both cards XXXX and XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

regions inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.
Consumer complaint received 2022-05-03
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. (MA)

This XXXX XXXX XXXX XXXXXXXX shouldn't be on my credit report for XXXX. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call XXXX again to file a fraud dispute. Can you contact XXXX to let them they that I see a fraudulent account on my credit report?
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Im XXXX  and purchased a computer from Best Buy XX/XX/2022 with their Geek support, by opening a Best Buy Credit card. I have an excellent rating. My understanding was that it would be interest free if paid off in 18 months. The total came to a little over {$1000.00}. I made my first payment before receiving my first bill, while setting up the online payment at my bank. 

Most of my income comes in the first of the month. Every month, when my checks come in I have paid {$100.00} on the first of the month ; more than was due! I recently discovered that Best Buy XXXX XXXX Bank has been charging me a {$30.00} late fee, because I made a payment before it was due! 

I think a smart XXXX Bank or Best Buy XXXX has figured out that they can make more money charging {$30.00} late fees than charging interest, hoping seniors wouldnt notice the late fee. So far they have charged me {$90.00} in late fees, even though I have made a {$100.00} payment each month. 

I wrote Best Buy, they never responded. After filing multiple complaints XXXX bank has refunded the late fees.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. ()

I began receiving unsolicited email regarding a MoneyLion account with my email address. I do not have a MoneyLion account and had not heard of them until I started receiving emails yesterday. I have tried contacting them and received no response. 

Yesterday, they put {$50.00} into the account, today another {$25.00}. What is going on? I have not asked for this and do not want it. 

This is fraudulent use of my email details and I want it stopped and investigated. MoneyLion do not seem to be interested in helping me. 

The emails are being sent from XXXX and are address to me personally. Extract from the latest email below that was address to me : - Happy birthday month! To wish you a very special birthday, we're giving you {$25.00} extra in Instacash advances. Enjoy the boost to your XXXX limit now through XX/XX/2021. 
Thank you for being part of the MoneyLion family! 


My birthday is not in XXXX. For obvious reasons, I am not saying when it is.
Consumer complaint received 2022-05-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number 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 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

My Citibank ATM card was skimmed, and there were 3 unauthorized withdrawal on XX/XX/2022 for the amount of {$460.00}, {$1500.00}, and {$2000.00}. I saw the transaction and informed Citibank on XX/XX/2022. I explained that I was not around the city where the transactions were occurred. I am able to provide hotel bill. Citibank denied my request for reimbursement of the authorized amount. They did not provide any document to support their decision. I appealed one time and received the same decision.
Consumer complaint received 2022-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Hi, the reason I am messaging is because I Purchased a Home in a Co-ownership, in XX/XX/XXXX, we split the payments until XX/XX/XXXX. That month that person moved out of the house, and abandoned all responsiblities, payments regarding XXXX XXXXXXXX, and anything related with the house. In XX/XX/XXXX I lost my job and I decided to take the Forbearance plan from my Mortgage company to avoid late payments. In XX/XX/XXXX I found a new job and I decided to get out of the Forbearance plan and start making regular monthly payments. In order to start making payments Pennymac sent me some documents that I will attach below that must be sign by both owners in order to restart payments, I advised the co-owner about that document and this person refused to sign it, and rather the house to be foreclosure. I communicated with the Mortgage company, advised them about the co-owner not wanting to cooperate and they said it must be sign by both parties. I have been responsible with my Home payments since day XXXX, and I think its not fair I have to be afraid to be in foreclosure just because the co-owner does not want to sign or care about the house. I need help from PennyMac to allow me to continue making payments toward my XXXX.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX XXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2022-04-25
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX ( Auto ) 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 2022-05-03
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. (CA)

XXXX  REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO EXPERIAN AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Consumer complaint received 2022-05-03
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)

XXXX  REPORT PAST XXXX DUE TO EQUIFAX, XXXX PAST DUE TO XXXX AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

PROSPER REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO XXXX AND TRANS UNION DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Consumer complaint received 2019-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Hi, this is a complaint i want to do to about all credit reporting agencies.

But I will use examples from just one ( Experian ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them.

So first thing is that with experian i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in.

next thing is that it takes forever to call in because I literally had about 15 minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with Experian XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.
Consumer complaint received 2022-04-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

End of loan maturity XX/XX/XXXX on XXXX XXXX XXXX XXXX. Still owe {$7400.00}. Some of the amount is late fees and a few deferments but I can pay cash for that part. About {$4100.00} I can pay cash for the explained unpaid amount. Santander shows about {$3200.00} remaining that is keeping me from getting title and owning a vehicle I have paid over {$26000.00} for in 7 years. Santander is threatening to repossess vehicle and has reported me late to credit agency even though I have continued making payments past maturity date. I want to pay deferments and late fees and get my Title.
Consumer complaint received 2022-05-03
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. (MA)

This XXXX XXXX XXXX Loan shouldn't be on my credit report for Transunion. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call Transunion again to file a fraud dispute. Can you contact Transunion to let them they that I see a fraudulent account on my credit report?
Consumer complaint received 2022-04-25
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.