davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (OH)

I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from Consumer Adjustment Company with the original creditor being XXXX  XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with XXXX XXXX XXXX. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at XXXX  XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. Consumer Adjustment Company issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by Consumer Adjustment Company or if this is identity theft and my information was used at XXXX  XXXX XXXX  and now Consumer Adjustment Company is now involved somehow. Either way this is identity or theft by an unknown person or Consumer Adjustment Company.
Consumer complaint received 2022-09-22
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (IL)

My credit report continues to show a balance on my Chase United Explorer account of {$5100.00}. There has been no update since XX/XX/2022 and I have paid down the balance significantly. I contacted Chase Bank and they claimed they could only start reporting the correct amount after I sent them a letter stating that the dispute I was had with XXXX XXXX XXXX XXXX XXXX was settled in a Small Claims case in XXXX XXXX. 

This statement should suffice and I am demanding that Chase start reporting the correct information to the credit bureas for my Chase United Explorer Account under te name of XXXX XXXX
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Creditors Bureau Associates (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-06-09
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: DISCOVER BANK (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, DISCOVER BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. DISCOVER BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

This is XXXX XXXX XXXX please 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 2022-11-19
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: Experian Information Solutions Inc. (NC)

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 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 2023-05-08
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. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (FL)

Hello there, I'm writing in because I have, seemingly, no other alternative. The company in question is SOFI Financial. I had a checking and savings account with them that has been opened for years. Recently, I also applied for, and was approved for a credit card with them. I activated said card and was declined. I thought that was odd, so I tried once more, and was declined. I received no call from them at all regarding this- which I also found odd. 

I call and they tell me that my entire account, checking/savings/credit card, has been frozen for suspected fraud. Mind you, my checking account has no transactions whatsoever on them. My credit card was brand new. I had planned to utilize both once I received the card. 

My actually issue lies in the fact that reaching someone at SOFI who can give me actual information as to why my account was frozen, or any details at all about my account is near impossible. Reaching a general agent is fine, until you get through and they direct you to reach their fraud team who I can never get through to whatsoever. Immediately when I am transferred, or call the number directly, I am sent to a voicemail box in which I have left 4 voicemails on already on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have received no response or correspondence back. I have also asked for their general support team to have a supervisor call me back and have received nothing back in return either. 

All accounts are frozen without any reason, ways to resolve the freeze, or ways in which to reach someone who can provide me any information at all.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX days straight with XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in 4 days. The credit agencies have failed to respond to my request.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Consumer complaint received 2020-08-28
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-05-05
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. (NJ)

I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( two accounts ), XXXX XXXX XXXX ( XXXX XXXX  ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX applied for Wells Fargo Credit Card ( personal use with spouse as co-user ) Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number, called and was told to fax copy of Drivers License and copy of utility bill. I do not have a Fax so made an appointment at local Wells Fargo bank to fax information. 
XX/XX/XXXX faxed Drivers License and utility bill ( from Wells Fargo bank XXXX XXXX NC ) receipt confirmed. 
Letter dated XX/XX/XXXX from Wells Fargo " Decision '' Identity can't be verified and unable to approve. 
Called W-F XXXX number again, was told by W-F operator XXXX that the application will be reviewed and Faxed information ( sent on XX/XX/XXXX ) will be reviewed. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number. Called XXXX number again, was told that they could not verify address from faxed information. ( both Drivers license and utility bill had address correct and matching address of my residence. ) I was told i would have to send an addition utility bill ( fax ). I told Wells Fargo representative to cancel my application. He told me they could not because it was in process and that they would put in a request to cancel the application. ( noting that the letter dated XX/XX/XXXX stated the to provide the information by XX/XX/XXXX or application will be declined. I asked to escalate the issue that i wanted the application cancelled immediately as i no longer would like to do any business with Wells Fargo. and again was told I could not cancel the application because it was in process, but they would put a note in file to cancel the the application due to consumer request. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and provide information by XX/XX/XXXX So is had become very obvious to be that Wells Fargo does not listen or does not follow through with request of their client or potential customers. 
They have gone totally against my request and extended this application. 
This application could potential affect other credit application, credit score and my ability to get credit.

I want Well Fargo to Stop any application for credit with them and remove the pending request and to remove any such record on my credit report.

Well Fargo should be also giving negative rating for their handling of this issue.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (MO)

Key 2 Recovery INC are attempting to EXTORT me and DESTROY my name as well as credit. Key 2 Recovery and I have never entered into any contractual agreement. They are attempting to EXTORT me out of {$670.00}, in doing so they have been calling harassing, bulling, and threatening me and my family about this fraudulent debt.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the Title Co ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX : XXXX Scammers account info : Routing : XXXX Account # XXXX Capital One is stating that they have not received an Hold Harmless Agreement from my Bank ( XXXX ) in order to start working on this matter. I will attach the signed Hold Harmless Agreement to this form that XXXX has sent to Capital One Several times. 

Reference complaint # XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

This is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Consumer complaint received 2021-08-12
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)

Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect CO $ XXXXlower AC XXXX lower LC- XXXX lower, OM- XXXX o, OL- XXXX lower