davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN XXXX BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with

their Verification method to verify said accounts. In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.
Consumer complaint received 2023-01-26
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-26
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (TX)

In XXXX of XXXX my boyfriend went to get a car from XXXX XXXX Hyundai. They told him to sign up for a Program that would allow him to get a new car, keep it for XXXX, then trade it in once his credit had gone up. All he need was for someone else ( me ) to co-sign and their name would drop off when turned the car back in. When he went back in XXXX, they told him that the company had been bought out by XXXX XXXX Hyundai and there was nothing that they could do about it. The car ( XXXX  XXXX XXXX XXXX ) we got is valued at XXXX brand new. Were paying XXXX for a basic model car. My boyfriend has sense passed away and Im stuck with a car that is not worth the note. Im not sure what can be done, but this is not right.
Consumer complaint received 2024-10-23
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I had a Mortgage for more than XXXX years with XXXX XXXX XXXX, the XXXX of XXXX my mortgage was tranfered to Select Portfolio Servicing Inc. XXXX. I have been working with The Va Mortgage Assistance Program to help keep my account up to date. My job was severely affected by the outbreak of XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA Mortgage Assistance Program has been great! for the last XXXX months they have [ along with myself ] tried to reach out to them to simply get the amount of past due payments in order to send the fund to their company but they will not respond. The State of VA calls XXXXtimes per week and i call more than that. I have spoken with numerous people but nothing has changed. My family needs whatever help you may be able to offer.
Consumer complaint received 2023-02-19
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. (KY)

In accordance with Fair Credit Reporting Act XXXX accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX  XXXX  # XXXX  XXXX 3. XXXX XXXX  # XXXX  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 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 


I also have a derogatory mark that was caused account number XXXX. Listed above. 


I also have disputed removing my hard inquiries from my account and they have not done that for me either.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2022-06-07
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. (NJ)

I have sent multiple disputes to the 3 major credit bureau requesting to have my credit file corrected from all inaccuracy.

15 U.S.C 1681 Section 602 A. States I have the 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 instruction. 

Reporting a debt as charged off, when it was settled or paid off. 

Reporting late payments when your payments were timely. 

Reporting old debts as new ones. 

Reporting that an account was active after it was voluntarily closed by a consumer. 

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Consumer complaint received 2022-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX XXXX, I went to the bank and made a withdrawal. On the same day the bank processed another customer 's withdrawal against my account. 

On the XX/XX/XXXX I noticed the transaction, called the bank and they opened a fraud case and deactivated/blocked my account. 20 minutes after that call, I examined the image posted to my account and called back the bank to let them know that the " fraud '' transaction didn't have my account nor signature. It was the bank 's error because the customer had correctly filled out their withdrawal slip. 
In light of this I asked for the block to be lifted from my account. I was told that I would have to go to the branch to have this done. I was told neither customer service nor the fraud department can remove blocks from account. 

In an attempt to have access to my account I have been to the branch twice, made innumerable calls to customer service and been transferred to multiple departments with no success. Today I still have no access to my account and I'm still being given the run around. Ie. being punished for a problem that was no fault of mine.
Consumer complaint received 2022-06-07
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 60 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 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 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 60days 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 21 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 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2022, I was awarded an XXXX  from the CFPB. I procured the equipment in needed to satisfy the XXXX, and wired some money to a legitimate supplier on XX/XX/2022. On XX/XX/2022, I got confirmation that the XXXX was fraudulent and so I filed a police report with my local precinct. Detective XXXX XXXX was put in charge of my case. On XX/XX/XXXX, he informed me that he'd put in a request to reverse my wire transfer. 2 weeks later, on XX/XX/XXXX, I followed up with him to ask about progress. He asked me to follow up with my bank as he didn't have any information. I did as he suggested. In that day, the bank froze my account and asked me to go to a local branch where I could get identified in person so my account could get unfrozen. I have since been to that branch 3 times and I have made numerous calls to the fraud department of Truist Bank and my account is still frozen. This is my business account. My business loan repayments and client payments go through this account. No one is giving me a valid reason why my account is still frozen. I just want to access my funds so I can close my account with this bank.
Consumer complaint received 2023-02-19
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: Lendmark Financial Services (PA)

A debt validation letter had been sent via certified mail, alongside a cease and desist order. I was never given a copy of my right to resend letter either, granting me the right or not. I would like to enforce my right to resend this contract, and for my title to my car be returned to me. I would also like to file for damages because my credit report is reporting inaccurate/invalided information as well. Please help! My consumer rights are being ignored, and violated.
Consumer complaint received 2023-01-26
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. (MD)

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2022-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. I learned that my personal information was illegally used to open an account. The perpetrator of this illegal act is currently in jail for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that you absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 
Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : - Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - The credit card was mailed to my address ; - Several payments were received from a debit card and ACH checking account in my name. 
The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was house-sitting while I served in the XXXX  which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - No returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - The credit card was mailed to my address ( He was house-sitting, he was at my address, so he received the mail ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )
Consumer complaint received 2023-01-26
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. (TX)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-07
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-10
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. (IL)

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 : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX O XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} ACCOUNT XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to fix this problem regarding a fraudulent account that was opened by my soon to be ex-husband and his mistress. They used my name, social security number to open an account with XXXX XXXX XXXX. I have requested a copy of the contract from them and have disputed with the bureaus in hopes they would request this contract. I filed a report with the FTC for identity theft ( Ref # XXXX ). So XXXX come back and think that adding my husband name as a joint user make this right? How are they going back and reporting this as a XXXX from XXXX if the prior reporting stopped on XXXX? How is this right? How are they allowed to be vindictive and start reporting this again because I have disputed this fraudulent account Numerous times trying to get help with this. I have attached the before and after of this dispute from XXXX, help me make this make sense. The credit bureaus are not validating this information and Is only going by what XXXX XXXX is saying which is a lie and fraud. I tried working with them and Making this right by paying off the fraudulent account after contacting them back in XXXX when I found out about the account. I paid it off and they advised that they would remove it and they lied. But how do XXXX go back and update an account that stopped reporting in 2019? My next steps is to file a lawsuit against the bureaus.