davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-14
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Fraud Charges of XXXX, XXXX, XXXX on XX/XX/2023 This was for a XXXX way airline flight from XXXX to XXXX I called this company and thought I was speaking with a legitimate XXXX XXXX representative. 

On XX/XX/2023, I called XXXX again, this time the real XXXX XXXX, and inquired why my on line account had a return trip XXXX  to XXXX. 
I spoke with Handled by XXXX Minnesota XXXX of XXXX Canceled tickets XXXX and XXXX. 
She informed me that I had been scammed. These tickets did not have 1. any personal info attached so they could not contact me about any changes. 2. The illegitimate company could have canceled these tickets without me knowing .3. It is possible that they would not be honored when I showed up. 

I tried to call the illegitimate company to inquire what was going on. The same number that I originally made the call on would not connect. A website that I eventually found associated with them had no way of contacting them! 

I bought legitimate tickets on XX/XX/2023 reflects on the attached PDF of my citi XXXX card. Please note the XXXX charges of XXXX to XXXX for legitimate tickets from XXXX to XXXX. 
Please reach out to me at XXXX if you have questions.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I Have a fraud loan of {$5400.00} reporting on my experian account with a fraud address ive never lived in in another state plus inquiries. i reported this FRAUD to the local police dept the FTC, IC3 & now the CFPB about the fraud loan i NEVER APPLIED FOR MYSELF.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I recently applied for additional credit with my card company and was denied due to Equifax reporting that there was some type of freeze initiated on my account that would not allow for 2nd party queries. I have never done this and have been unsuccessful in my attempt to talk to somebody at Equifax. Their phone prompts ( automated ) allow me to get to a certain point and then completely would not allow for any voice or phone input ( selecting 1-5 on my phone to answer their question ). When not allowed to proceed, at no fault of my own, they disconnect the call and don't allow for an option to speak to a customer service representative. I have attempted from multiple phones, both land line as well as cell phones, and ultimately it gets to the same place and fails to connect me to the final step of talking to a representative. 
They are unfairly keeping me from accessing my personal information and will not have a discussion with me about what and why this freeze was placed on my Equifax information. They are unfairly holding my data hostage and not allowing me the freedom to exercise my financial requirements. They just hope that I will go away but I will not. For an agency that holds so much power over peoples financial lives, they should be held to a higher standard which in this case they are not.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (NV)

Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.

In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with Safco, XXXX XXXX and XXXX XXXX  be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-05
Product: Credit reporting 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)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

on XX/XX/XXXX i went to store named XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to buy a couch and a end table for my living room. when i got to the store they offered me a loan from XXXX XXXX, they told me there was a 90 days promotion for the loan, if i pay in 90 days i would not have to pay any interest. they said that i would pay the exact amount due plus only {$40.00}. i bought the couch and end table for {$1700.00}. i had to called XXXX XXXX a few days later for the 90 days promotion, they told me i was eligible for the 90 days promotion, but when i called them to make my first payment, they told me that i did not have 90 days anymore, that i had to pay in 2 months. otherwise i would have to pay them 184 % of interest. i accepted to pay in 2 months to avoid the 184 % of interest. I made the first payment on XX/XX/XXXX ( {$870.00} ). before the XXXX payment i called them to have the due date change from XXXX to XXXX, they accepted. on XX/XX/XXXX they took {$870.00} from my bank account. the same day, a few times later a received a text message about a return payment. i called my bank, they told me that there was no return payment but XXXX XXXX just took a amount of {$870.00} from my account. 
the next month i received text message from XXXX  about a payment i had to make, so i called them, they said there was an issue with the payment and because of that i have to pay the XXXX XXXX  of interest. i told them that the loan is already paid off, i owe them nothing but since that they send late payment information to the 3 credit bureau about me. and because of that my credit score is messed up : i lost XXXX point the first month. i hired a credit repair company name XXXX to fix that for me. XXXX disputed the information to the XXXX, they closed the account. but XXXX XXXX keep sending late payment about to the other credit bureau and my credit score is affected each time, and now my banks started to decrease my credit limit line, i have been refused a refinance for my car. i reaaly dont know what to do. when i made a research on goole about XXXX XXXX, i found a bunch of people complaining about the same thing, that means i am not their only victim. they do the same thing to a bunch of people. i even found a law firm that use to sue them for the same thing.
Consumer complaint received 2022-12-28
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to have fraudulent items removed from my credit file. These fraudulent entries are adversely affecting my credit history and financial standing, and I am seeking your immediate assistance in rectifying this matter. 
I discovered that there were fraudulent entries on my credit report issued by XXXX, Transunion, and XXXX Credit Bureaus. These entries have been listed as legitimate accounts, which I had no knowledge of or involvement with. 
Since discovering these fraudulent entries, I have made multiple attempts to have them removed from my credit file. I have submitted the necessary documentation, including police reports and affidavits of fraud, to support my claims. However, despite these efforts, the fraudulent items remain on my credit report. 

Resolution Requested : I kindly request the following actions to address this issue : Conduct a thorough investigation into the validity of the fraudulent items on my credit report, considering the documentation I have provided.

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature.

Provide me with written confirmation once these fraudulent items have been removed and no longer appear on my credit report.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand that the presence of fraudulent items on my credit report is a serious matter that can have severe consequences for my financial well-being. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to resolve this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response withinthe exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit report and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to move these following fraud items in mhy credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (MN)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX and ( SPRINGOAKCAP  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 
The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( SPRINGOAKCAP ) Account # XXXX is causing harm to my credit All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX or XXXX XXXX XXXX Account Number : XXXX The collection payment history is inaccurate across all XXXX credit bureaus and I have no proof that this alleged debt belongs to me. 
Consumer Reporting Agencies are pretty important and should maintain positive accuracy by law. 
I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show that this collection account is mine and belongs to me? 

Thank you so much for checking on this for me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit.

Two requests at different times. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (WI)

I cashed a money order XX/XX/year> that I purchased with my bank ( bmo ) and it had a scratched off name on the front of it in the pay to order of section because the intended use of it had changed but it only had my name in the purchasers & endorsement sections. The bank then froze my account and all access due to suspicion of fraudulent activity. I let my bank know why the name was scratched off the following day after the deposit & I sent them a receipt for the money order the same day.. They then told me their lead investigator would look over the documents I sent within 3-5 business days but the investigation can take 14-30 and that currently was about 7 business days ago. This is not ok, Ive already explained to them how much I need my funds because I have children whom I will not be able to feed or take care of and obligations I wont be able to carry through but there is little to no care for my case even though I sent in clear evidence supporting there is no ongoing fraudulent activity.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

My card fell on the street and was used without my permission because they even skipped my pin or something. I was planning to go inside a store and use an offer on the card but lost the card. Cash App would not help me get my money back at all.
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Zip Co US Inc. (TX)

I have agreement with ZIP Co and they are in breach. I have been using ZIP Co for many months for business transactions buy now and pay later in installments. I am now being blocked from continuing further transactions without an explanation. I have repeatedly tried to resolve this issue with customer service reps. ZIP Co has collected my personal info including bank info as part of agreement. They are restricting me without cause or valid claim. I have purchasing power that I'm unable to use and I'm given the reason is my credit report is frozen. THIS IS NOT TRUE AND HAS NOT BEEN TRUE SINCE USING ZIP. I have brought this to they're attention and they are refusing to fix the problem. They have refused to contact me after numerous requests.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (FL)

To whom this concern, I am writing this letter out of shame. It took some time for me to get the courage to reach out to anyone with this personal financial problem. If I want to help myself, I am going to have to ask for help regarding several credit flags from State Employee Credit Union ( SECU ). I wanted to include some account information, to help you access my account easily if investigation is necessary, XXXX XXXX # XXXX confirmed that he could not give me the old account number. Since all cards were closed, I also could not get access online to obtain any details to support this complaint. My relocation is the reason I can not help myself with SECU. 

I did have a credit card with SECU. Frankly, I dont even remember the last time I used the credit card. Theres a {$1000.00} charge off for the credit card. I remember paying the card off but between then, now, and Covid-19 in between Im not certain. There is a currently active {$350.00} line of credit with {$940.00} being the highest balance. I asked XXXX to clarify how both can exist, but she ignored the question and focused on the {$1000.00} charge off.