davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TN)

XXXX XXXX XXXX prepared transfer papers for a lady with XXXX she states she payed him XXXX XXXX dollars for this service. I have a copy of the papers they make me the owner of XXXX XXXX dollars. The money is in Mellon bank of new York Mellon P'O.C. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX phone XXXX Mr.XXXX XXXX XXXX he has asked me for I.D . have performed every task that he has asked still no transfer of Funds. Ms. XXXX XXXX the donor offered me a percent of the fund an it was intented for the sick and homeless. Fact Mr. XXXX is in a Organization That helps people that are homeless and sick now see the connection and has been associated with Ms.XXXX  with church matters. The acronym for the Organization is ( XXXX ) this is a confict of interest on the part of him over seeing XXXX XXXX dollars. Then take into the fact he had the papers prepared for me to receive the funds. I would Appreciate your Agency looking into this matter. 
cc file XXXX XXXX By The Way Mr.XXXX XXXX XXXX is also a XXXX?
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 

XXXX XXXX, XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$12000.00}
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

My Experian account was showing that I had a delinquent account for a XXXX line of credit. I have never had a XXXX line of credit so I sent an email to XXXX to dispute this account on XX/XX/2020. After much work and follow through that delinquent XXXX account was marked by XXXX  as fraud. 

While this was going on Midland Credit Management was attempting to collect on the fraudulent account. 

A telephone conversation was had with a Midland Credit Management employee conveying to them that the XXXX account was a fraud. They closed out the collection account. 

Sometime later an employee at Midland Credit Management re-opened the fraudulent account and began the collections process again. After receiving collection notices from the company in the mail I called at spoke to XXXX XXXX. It was determined yet again that this XXXX line of credit was fraudulent. 

Checking my credit report today I see that my credit report shows my account is in collection status due to this fraudulent account. 

Midland Credit Management attempted to collect {$850.00} from me derived from a bogus account. The account was declared fraudulent and Midland Credit Management, after closing their account on the matter, re-opened the account and again began attempting to collect {$850.00} from me. In doing so they have damaged my credit. 

The fraudulent account is identified as Account name : XXXX/XXXX  account # XXXX ... 

The account with Midland Credit Management is identified as Original Creditor : XXXX XXXX  Current Owner : Midland Credit Mangement, Inc Original Account Number : XXXX MCM  Account Number : XXXX Current Balance : & XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In the middle of XX/XX/2022 I paid down over 50 % of my principal balance of my mortgage. On the XXXX of XXXX, Bank of America still charged the same amount ( combination of interest and principal ) as in the previous month. I asked my banker why my payment was not reduced considering the pay down. The banker took a week to respond confirming that they received the pay down, but I would still have to pay the same monthly amount for the next 9 months. In essence the bank is still charging me interest and amortization on the full balance.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-23
Product: Credit reporting 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 items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. 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 regard 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 Balance : {$0.00} XXXX XX/XX/XXXX 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
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TX)

I asked for a loan on Speedy Cash service. And I got several emails from who I thought was Speedy Cash. I paid to an XXXX XXXX and XXXX XXXX an amount of XXXX dollars. With my debit card. And I come to find out later that It was a scam. Its been already 4 months since I filled this complaint. And I havent had an answer and I still owe speedy cash that amount. But I am not going to pay again for an amount I paid. The scammers were good, they sent my price of payment and that they were indeed from speedy cash. They first filed the complaint on XX/XX/XXXX. 
This was the email XXXX XXXX
Consumer complaint received 2023-05-10
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-11
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. (TN)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX  Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXXL Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX- XXXX XXXX : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster
Consumer complaint received 2023-05-10
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. (FL)

When I reviewed my credit report, I discovered that these items were 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 deleted for 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 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 2021-11-18
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: Experian Information Solutions Inc. (NY)

I am submitting this complaint on my behalf, XXXX XXXX, there is no third party involved. I reviewed my credit reports to find unauthorized inquires. I do not recognize, nor I did not give consent for these transactions/inquires to be reported. The integrity of the credit reporting agencies are extremely questionable if they are ok with allowing just anything to be furnished on a consumers report.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

Hello, I am seeking help against Experian.com for negligence in allowing an unnamed person to gain access to my Experian credit account. Sometime in XX/XX/XXXX, someone was able to change my email address and password. Several attempts were made to obtain credit in my name. Thankfully, no credit was extended to this individual. 
Experian.com did not notify me of this change, and I have had to deal with the resulting fallout. 
This appears to be the result of a data breach into Experian inXX/XX/XXXX. 15 million Americans have been affected by this date breach. Please see this link : https : //www.identityforce.com/blog/experian-api-data-breach-impacts-nearly-every-american I have contacted Experian.com and they have not been very helpful. If fact the conversations I have had with their customer service department were, in my opinion, unsatisfactory and their attitude towards me were rude. I asked Experian.com to help me fight this identity theft and they have refused. Despite my repeated requests, they continue to allow the identity thief access to my personal financial information and social security number. 
I have been living in the XXXX for the past 19 months, and quite frankly want to stay here. Sadly, with the constant threat of someone gaining access to my bank account, someone has already tried, I have decided I have to return to the United States. 
This negligence by Experian.com has caused me a great deal of stress and extreme mental duress. I suffer from XXXX, I have XXXX XX/XX/XXXX, and with the constant fear of someone ruining my credit and my life, I am suffering. 
The best way to contact me at this time is by my email address of XXXX. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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: Mercedes Benz Financial Services (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit act account # XXXXXXXX XXXX XXXX  has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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. 
15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2022-12-31
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXXXX Balance : {$450.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hello, on my last credit card statement from HSBC Bank I saw two charges called " FOREIGN EXCHANGE ADJUSTMENT ''. I called the bank to ask what these were. The customer service representative told me that this was an " adjustment '' for the transaction ( s ) that I conducted outside the US " last year ''. He was unable to tell me specifically what transactions have been " adjusted '', what were the dates of transactions and why the original charge was incorrect. 
With such attitude/approach, the bank can charge any amount of money " out of the blue '' without explaining the basis for the charges. I find it unacceptable. 
Best Regards.