davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-05-10
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: EQUIFAX, INC. (CA)

I have contacted equifax many of time I was also in there date breach and I still havent seen any up date on my credit report I cant log in Ive been send verification of who I was many of time and I will not send it again it should be in my file my address been the same for years and I still havent been able to get anything with my credit report its false bankruptcy false history false and this effected me for years I sent FTC report I even try to file insurance with XXXX which Im a victim and I havent got through to nothing being XXXX
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (GA)

I received my Georgia prepaid unemployment insurance Mastercard through XXXX and followed the directions to activate it both at the toll free number XXXX and online at XXXX. On the toll free number they told me that I have a XXXX balance. I tried every option they have on that number and was never able to get resolution or reach a live person. Now it tells me that the card number is invalid. I registered the card on the website and it never gave me a balance but it sent me a XXXX card that also has a XXXX  balance. I would like to get a Georgia UI card that works. It has been a month and I still have not gotten any money.
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I received a letter from Portfolio Recovery Associates alleging I owe a debt. The details in the letter are not familiar to me. I called the number on the letter and spoke with XXXX. My plan was to request verification of a debt PRA alleged I owe. XXXX refused to do so with me, claiming she could not verify my personal information. The address I read to her was the same address on the letter that PRA sent to me. She claimed this address ( that the company she worked for sent a letter to ) was not correct and wanted different information. As I do not believe I owe this debt, and I am a previous victim of identity theft, I do not wish to hand out my personal information, especially to companies I do not do business with. XXXX transferred me to XXXX XXXX, an Operations Manager. He also refused to verify the debt with me, he again claimed that the address that the company he works for sent a letter to was not correct, and he refused to verify the debt with me, or put a letter in the mail verifying the debt. I told XXXX I would be submitting a complaint with the CFPB as a result of this phone call and he acknowledged that. The only acceptable personal information to them was my SSN or my DOB. I don't give out my personal information to unfamiliar people or companies, especially information of a sensitive nature. Additionally I found it suspicious that they were not able to verify with the information on the letter that PRA sent out.
Consumer complaint received 2020-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

It has been nearly three months since I first reached out to Experian, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent Experian, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and Experian after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, Experian, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. Experian recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

My Ex Wife XXXX XXXX is in collections with Nationwide Credit Inc phone number XXXX has been calling me repeatedly at my home line and my work cell phone number looking for her. I have politely told them I have had no contact with XXXX who is my ex-wife of over 16 years. They keep contacting me on how to contact her over her debt which was incurred long after we were divorced and has nothing to do with me. I have also given them every point of contact I could think of so they would not keep calling me however they keep calling me regarding her. Once again this DEBT is not mine and has nothing to do with me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 2021-03-12
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: SLM CORPORATION (CA)

There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : Unverified account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

Medical Data Systems/Medical Revenue Services,  XXXX, FL, attached a debt of {$1300.00} to my credit report for a debt owed to XXXX XXXX XXXX, Tx by my XXXX yr old daughter, whom I had no contact with from XXXX, and lived XXXX miles away in XXXX Texas XXXX since XXXX. 

Services were performed XX/XX/XXXX and I never received a bill or statement from XXXX XXXX XXXX. I did not know it existed. 

In XX/XX/XXXX, I received a collection letter from Medical Data Systems, XXXX, FL aka Medical Revenue Service. 
I called them when I received the collection letter in XX/XX/XXXX and spoke with an agent that said she would verify the dispute with XXXX XXXX XXXX. I never heard back from her. Repeated attempts got nowhere. 

In XX/XX/XXXX, I opened a notification from XXXX Credit Reporting and Medical Data Systems aka Medical Revenue Services had attached the debt to my credit report as a negative debt. That was pretty bold of them, and since I am married to a XXXX XXXX  of a XXXX XXXX agency myself, I know my consumer rights. To put their company in that position is extremely unwise. I called one of our favorite attorneys who specializes in these matters for my husband 's employer and indeed, was advised that I have been violated once they reported it to the credit bureaus. 

I disputed with XXXX twice, whom doesn't even have my birth year correct. Whatever they " investigated '' wasn't much and insists the bill is " relevant ''. It isn't relevant to me at all. I was never there and this is an adult child who is very capable of paying her own bills. 

I will also be filing a formal complaint against XXXX  as well since they can not prove the bill is mine, but I have proof that it isn't. 

Now that Medical Data Systems aka Medical Revenue Service has attached a bill that has nothing to do with me, nor was signed or authorized by me in any way, with full proof of my location XXXX miles away, on XXXX XXXX Location and a GPS app, I have been violated under the FDCPA and have retained an attorney to sue for damages. 

My daughter is an adult, insured by my ex husband through XXXX XXXX, XXXX XXXX and she is not my responsibility. 

I have also made a formal complaint against Medical Data Systems aka Medical Revenue Services, XXXX FL, with the Texas Attorney General, XXXX XXXX 's office. 

My attorney is : XXXX XXXX XXXX XXXX XXXX  XXXX, MD
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 2020-05-11
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (AR)

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included LVNV Funding, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or LVNV Funding has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Consumer complaint received 2019-09-03
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: WELLS FARGO & COMPANY (SC)

Name : XXXX XXXX XXXX Wells Fargo breached duty of care. 

XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2020-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In the Spring of 2019, I was forced to abruptly move from my apartment due to an a series of unexpected health setbacks. During my tenancy, my utilities ( electricity and gas ) provider was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). During my transition to a new home, XXXX was absorbed absorbed by another power company, XXXX XXXX. 

While tying up loose financial strings after the move, I noticed that both companies, XXXX XXXX XXXX and XXXX, and XXXX XXXX, were reporting on my credit that I owed a past-due balance in the amount of {$180.00}. I immediately logged onto the the website of XXXX XXXX XXXX and made a payment using my previously established credentials. 

At the same time, I filed a dispute with the Equifax Credit Bureau notifying them that the utilities account was listed twice -- once under each company. I mistakenly assumed that the duplicate listing was an oversite that would easily be corrected. I was dismayed when I received the updated results keeping both tradelines on my credit report. This updated reporting seems to be a willful and malicious violation of the FCRA. The current reporting makes it seem like I have two separate derogatory accounts with this company. I would like this taken care of as soon as possible and and I will contact everyone I am able to, including the South Carolina Attorney General, to get this satisfied.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When i log into Transunion, I cant get a free report without using my credit card.Also, If i want to dispute past transunion reports online, transunion dispute page says its unable to dispute at tis time.This has been going on for months.Not sure whats going on with Transunion but it seems there is a problem with there site.I can easily lg into XXXX, XXXX  and dispute trade lines with ease
Consumer complaint received 2020-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Im receiving phone calls from XXXX about a debt that does not belong to me and is not even my name. I have told them they are calling the wrong number. They called 3 times yesterday, and just called this morning at XXXX XXXX, Sunday morning, XXXX XXXX. This debt belongs to someone else and this company is telling me information about that persons debt. I asked the persons name this morning and told her I was reporting this company. She stated her name is XXXX XXXX, which Im quite certain is a fake name, considering this person had a very strong XXXX accent. I would like this company fined. Im planning on filing a lawsuit. From what I understand this company will be required to pay {$1000.00} for violating the rules. Especially considering this is not even my debt and they just ruined my XXXX XXXX, and Im a mother.
Consumer complaint received 2021-04-23
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: ALLY FINANCIAL INC. (TN)

I have contacted XXXX and the Creditor XXXX Ally Financial XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020, I submitted a dispute to Trans Union in regards to a bankruptcy being inaccurately reported on my credit file by Trans Union. On XX/XX/2020, Transunion replied stating they verified the information as accurate even though i showed evidence that the information was inaccurate. According to section 609 in the FCRA, all information in a credit report must be completely accurate or it must be deleted.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc (NV)

On XX/XX/2022, I filed a dispute with Chime Financial about the {$2.00} atm fees that have been accrued from my account since XX/XX/2022. The amount totaled over {$380.00} in just Chime fees. There was another {$400.00} in atm fees assessed from the owner of that atm. I told them that the reason why I chose to bank with Chime was because of their " no hidden fees '' claims. These fees are hidden. When using the ATMs, nowhere does it say that ill be charged {$2.00} from Chime. The only fees shown or stated are the fees from the owner of the bank which I was aware of and paid. I've contacted Chime multiple times since XX/XX/2022 and filed multiple disputes before they got back to me on XX/XX/XXXX. The email said they investigated my claims and concluded no wrong was done. Well claiming they have no hidden fees and then charging hidden fees is bad business practice and id like my {$400.00} back that they stole from me. This is the Chime dispute # XXXX.
Consumer complaint received 2021-04-23
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. (MD)

I am writing to delete the 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 affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.