davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Names : XXXX XXXX, XXXX XXXX, XXXX, XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiries : XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian continues to violate my consumer rights. On XX/XX/2022 I sent a letter because Experian claims to have verified a bankruptcy and I requested a RE-investigation and method of verification with the specific details. XXXX, XXXX XXXX, Chair of the House Select Subcommittee stated that the consumer reporting agencies were not fulfilling their obligation to consumers or the CFPB in accordance with the FCRA as evidenced by insufficient investigations or just accepting the finding of furnishers without an independent investigation. My dispute is definitely an example of this. They report the court as the furnisher of the information. The letter from the court shows they blatantly lied. I provided them with my correct XXXX XXXX and address XXXX XXXX XXXX, XXXX NY XXXX and I have not received anything. I am enclosing the XX/XX/2022 letter I sent them, the letter I received from the court stating they did not furnish any information to Experian or anyone else, my consumer report showing the defamation of character by Experian, and a copy of my driver 's license as proper identification.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been trying to freeze my credit with Experian to no avail. The imposter posing as me and applying for dozens of fraudulent loans also created a fraudulent account using my name, my social security account, but the wrong email ( the email she used is slightly redacted but i've attached a screenshot of it ). I am unable to get a hold of Experian in any way ( have tried calling and emailing ) but no representative is accessible. They only have robots. Please help!!!
Consumer complaint received 2022-06-12
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. (SC)

XXXX IS AN ACCOUNT THAT I HAVE NOT OPENED OR AM I AWARE OF IT. 

XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT NOR DID I AUTHORIZE THIS ACCOUNT ORIGINAL CREDITOR XXXX WITH THE SAME ACCOUNT NUMBERS ACCOUNT NUMBER XXXX
Consumer complaint received 2022-06-12
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. (MO)

In accordance with the fair credit reporting act XXXX  Acct # 's 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 Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these accounts dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts. I have sent several letters trying to get this taken off my credit with no help.
Consumer complaint received 2022-06-27
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (SC)

I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692 ( c ) ( I ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. 
SINCERELY, XXXX XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (FL)

( National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

15 U.S. Code 1692e - False or misleading representations
Consumer complaint received 2022-11-16
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)

I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX nor its affiliate company XXXX XXXX XXXX XXXX are not licensed to collect debt in the state of ALABAMA.
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 USC 1681. 

FOR EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2022 XXXX transactions were unknowingly deducted from my TRUIST bank checking account for {$1400.00} and {$1400.00}. These funds were taken out using the XXXX and was then transferred immediatey to someone's XXXX account. This all happened almost instantly. 

Events as they occured : In XXXX I paid a caregiver to care for my mother through the XXXX. When she went to get her funds out, she was told the transactions had to be verified by me. On XX/XX/2022 On a three-way call to me XXXX put us on hold and we waited several minutes before we finally disconnected the call. I immediately went to my bank account and saw the funds were pending to be deducted from my account. I called the bank an was told they could not do anything as long as the transactions were pending. I tried to cancel the the transactions, but they said there was no way. I had to wait several days for the transactions to clear before I could submit a claim. 

On XX/XX/2022 the transaction cleared. I then submitted a fraud report to the bank, but it was determined that it was an authorized transaction and my claim was denied. 

When the bank refused my claim, around XX/XX/2022, I contacted XXXX and made a claim. After several days, they also said it was an authorized transaction and denied my claim. 

Subsequently, on XX/XX/2022, I contact a XXXX fraud response company ( XXXX XXXX ). They said for an additional {$550.00} they would give me the information to get my money back. I can not afford to put more money into this matter.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (MI)

On XX/XX/2022 I obtained financing through XXXX XXXX. They processed the loan through multiple lenders. I was ended up getting the loan from XXXXXXXX XXXX XXXX  in XXXX, MI. Meanwhile, all of these other inquiries are on my report for a single loan. I never authorized these multiple inquiries.
Consumer complaint received 2022-11-16
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items listed below : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My Mortgage should have been paid off in XXXX. We started paying on XX/XX/XXXX at {$230.00} for 300 months.The original mortgage company was XXXX XXXX, now it is Shellpoint.. The summer of XXXX we called Shellpoint and asked why we still owed {$8000.00} and they could not tell us why we still owed. They will not call back, or send us a bill. They have not sent a bill since XXXX but still charging {$240.00} monthy.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (IN)

Told them my insurance will pay this bill repeatedly. They refuse to bill them. Plus, Im on the XXXX program. Had an issue before and they corrected it but they wont for this bill. It is now a derogatory mark on my credit report. I have disputed it 3 times now and they wont take it off. 
Orthopedic Specialist of XXXX XXXX XXXX. XX/XX/2021 XXXX Debt collector is ACCOUNT RESOLUTION CORPORATION.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I send a reinvestigation letter to Experian, XXXX, and XXXX pertaining XXXX XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, XXXX, and Experian was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and XXXX. Experian did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.
Consumer complaint received 2022-11-16
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)

Stay away from this dealership they discriminate against XXXX military veterans. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a XXXX or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another XXXX dealership in the XXXX XXXX especially when they discriminate on XXXX military combat veterans. I served XXXX combat tours in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (TX)

I attempted to add {$100.00} to my Revolut account using XXXX XXXX ( XXXX XXXX ). I was then restricted and a request to confirm the " card '' being used to load my Revolut account was mine. I followed the instructions and for over XXXX hours I did not receive any response. I had to flood their direct message box on XXXX to get any attention, the representative who ended up taking my original chat in their app, provided no help and informed me it was being reviewed. Upon checking the status, no movement has been made, it doesn't even state the review has been submitted. I received my salary from XXXX XXXXXXXX via direct deposit to Revolut and I've completed their identity verification upon opening my account.My direct deposit from XXXX XXXX will be deposited on XX/XX/2022, I need access to those funds for bills. It has been more than XXXX hrs and absolutely NOTHING has been done.
Consumer complaint received 2022-11-16
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: Fidelity National Information Services, Inc. (FNIS) (NY)

There are multiple fraudulent accounts that are reporting on my ChexSystems XXXX XXXX report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.
Consumer complaint received 2022-11-16
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

Stay away from this dealership they discriminate against XXXX XXXX XXXX. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a manager or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another Lexus dealership in the XXXX XXXX especially when they discriminate on XXXX XXXX XXXX XXXX. I served XXXX combat tours in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
Consumer complaint received 2022-11-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I applied for a loan modification last year in the month of XXXX, the company Freedom Mortgage after verifying that they received my documents never completed the process. I called the company over and over for the status of the modification in which they just never processed it. After a almost a year of waiting for them to do something, the delinquency reached a whooping {$15000.00}. Around this time I had to reach out to XXXX XXXX for assistance to save my property from foreclosure in which they assisted with the debt. Freedom Mortgage gave the city the wrong payoff amount to cure the problem thus leaving a remaining battle to become current. Again after receiving these monies they requested that my documents were missing and to apply for again with updated documents which I did. Up until this very date they still have not started the process of modification and the balance is again rising. The company has also sent me a demand letter for the past due payment and are threatning foreclosure. Freedom Mortgage has shown gross negligence in this process and I am looking to seek legal counsel to consider a lawsuit.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hard inquiry on credit report from Bank of America on XX/XX/22 and email from Bank of America stating card application declined on XX/XX/22. Separate cards applied for not by me.