davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information 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 CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$4100.00} XXXX XXXX  Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (NJ)

On XX/XX/2023 I received a letter from Stillman Law office stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX XXXX. 

I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to Stillman Law Office through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.
Consumer complaint received 2023-10-04
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. (GA)

I noticed back XX/XX/2023 that XXXX was on my credit report and I call the company and I was told they didn't send that to the creditors such as XXXX, XXXX and Experian they said I would have to contact the creditors and I did and they failed to remove it after the FTC letter was sent to them. I also noticed that XXXX was added to my credit report and it is not a credit card company I had spoken with the company and let them know that my account had been hacked and they didn't do anything to remove this from my credit reports and they have been sending threatening text messages to my cellphone saying if I don't pay the money it will be legal actions taken and that my wages will be garnish so this definitely needs to be removed because it was hacked and they know about it. I have also requested that XXXX XXXX be removed XXXX fail to remove it from my credit report after I have sent in FTC letters and proof that it wasn't my account because I didn't have service with the company because I had moved from that location so the new tenants were using services in my name.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

after submitting the complaint against Experian, I received a call from them when it was not convenient for me, and I told them. They would not give me any contact information for me to call the back when I was at home with the information in front of me, again resulting with me not being able to file a dispute.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

My wife and I were contacted by Fifth Third regarding refinancing our mortgage. We decided to proceed and filled out the initial application packet and sent them our personal documents. On XX/XX/XXXX, due to unforeseen circumstances, we asked the refinancing to be put on hold. We received an email back within an hour from our mortgage officer that this was fine and he would do so. At this point we had heard nothing about the loan application as we were very early on in the process. The following day ( XX/XX/10 ), I received a call from someone else at Fifth Third asking questions about the application. I told her we had spoken to our mortgage officer and it should be on hold for the moment, we did not want to proceed with anything. She was unaware of it being placed on hold but agreed and said we could reconvene if we decided to move forward with it. Then, on XX/XX/XXXX our account was charged with a {$390.00} mortgage loan application fee. I responded immediately and they said they were sorry and would try to get it taken off. I immediately reached out to another mortgage officer we know and was told that they should not have charged anything, and unless an appraisal had already been completed it was not too late to reverse anything and we should not be charged for wanting to put the process on hold or cancel. On XX/XX/XXXX, someone drove down our street around XXXX XXXX  and stopped to take a picture of our house and then drove off. My only guess as to what this driveby picture could be would be the " appraisal ''. I immediately sent Fifth Third Bank an email about my frustration with them seemingly trying to push this application through after I had requested numerous times it be put on hold and was promised so. They responded back within 5 minutes that the appraisal had been put on hold and they requested the application fee be returned and were still waiting for them to do so. At the end of the email he said " I will let you know when the fee is returned ''. I have all of this correspondence documented in timestamped emails. Despite the loan officers saying that this was placed on hold until we are ready to move forward, I still continue to get emails about appraisal documents to sign. I feel that this has been a poor example of customer service on their part, particularly for something as intimate as people 's personal finances. I feel that this is due to their company being so large and lack of personal attention to their customers.
Consumer complaint received 2023-08-23
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. (CA)

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.

Has Violated my rights.

1. Account Name : XXXX XXXX  / Account # XXXX Has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-04
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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: Experian Information Solutions Inc. (IL)

I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

XXXX XXXX is reporting a student loan on my credit report as late 120+ days. I have never had a student loan with XXXX XXXX, as all of my student loans are serviced by XXXX. I contacted XXXX XXXX Only to be told that the debt was leftover tuition but was not given any documents or explanation as to why 6 years after attending XXXX XXXX that this is the first time I am being notified of this debt. They have not sent me any documents showing how I am responsible for this debt, only a bill through a debt collector. I decided to dispute this with XXXX, which was a joke as well. Dispute came back as verified although once again I was given no documents to prove verification. If I am truly responsible for this debt I will gladly repay but not without proper documentation and an adjustment to the harmful items on my credit report which are being falsely represented. If I do indeed owe this debt it is CERTAINLY not a student loan, installment loan, and is certainly not late on payments as I have never been notified of any payments due. XXXX XXXX is intentionally using these tactics viciously and with no proper documentation to support their claims.
Consumer complaint received 2023-08-16
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)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-13
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: ENCORE CAPITAL GROUP INC. (CA)

This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I applied to open a personal checking account at XX/XX/2020 with First Citizen Bank through their website. 
The application was approved and i received a debit card around a week later by mail. 
I deposit two checks at XX/XX/2020 and also {$1000.00} cash at XX/XX/2020. 
My access to my online account was blocked at XX/XX/2020 and i informed my card has been declined for an online payment. 
So i called the mentioned bank and ask about declined transaction and i was told my account is in closure process, and i have to call XXXX to follow up. 
While this bank held my money, any application evaluation should be done during application approval process and there is nothing in their agreement that the bank are allowed to evaluate customer account with XXXX at anytime and because of that decide to close account without prior notice. 
Closing an active account, held more than {$2000.00} remaining balance without any prior notice or instruction to payback and put people in limbo specially during these devastating days that cash is more important in day to day lives indicates how a financial institution can be ruthless and unprofessional.
Consumer complaint received 2020-05-09
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 — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION (AL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XX/XX/2020 from XX/XX/2020 due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Consumer complaint received 2020-05-09
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. (PA)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NJ)

This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (LA)

On XX/XX/2020 Commonwealth Financial Systems Inc. reported to XXXX, XXXX and XXXX  I had one account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe Commonwealth Financial Systems Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Commonwealth Financial Systems Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Commonwealth Financial Systems Inc. are a clear violation of the Fair Debt Collections Act. I am requesting that Commonwealth Financial Systems Inc. remove this collection account from each of my credit reports.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I ordered an American Express Serve to deposit my Social Security on this prepaid credit card. I've called for 5 days now to find out why I was unable to withdraw my money and I have stayed on the phone for hours at a time. I've reach a customer service and she redirects me to the Fraud department and then I must hold until they hang up on me. 
I need to understand what is going on with this company. I've also found many people are in the same situation with this company. Please investigate immediately before others are effected as I.
Consumer complaint received 2023-08-15
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)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX account number XXXX and account XXXX account number XXXX