davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (CA)

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 XXXX XXXX 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, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/16 Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$1900.00}XXXX XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXX  Date opened : XX/XX/2016 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 XXXX business days after the date of receipt.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a report that was sent to XXXX XXXX via XXXXXXXX XXXXt but have not gotten a reply from the police department at the present time. Thank you again for your help.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Yes my name is XXXX XXXX and Transunion are reporting accounts as delinquent on my credit report. I spoke to all the creditors and ask them is they reporting that and they said no they see that I have on time payment these creditors are XXXX. Applied bank Showing XXXX missed payment when I paid XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing XXXX missed payment that showing delinquent payment when I paid Ontime All XXXX asking Transunion to do is remove those late payment from these accounts because it inaccurate I never been late on my payments there are a dispute already in place but I need this to be expedited because this is hurting my score I already spoke to the creditors and they advise me that Transunion is reporting my account inaccurate and it need to be fix or I will get in contact with my attorney general please remove those late payment that showing for applied bank And XXXXXXXX XXXX XXXX
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NO
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ONE AUTO IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY CAPITAL ONE AUTO FINANCE ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT CAPITAL ONE AUTO DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. CAPITAL ONE AUTO HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX Bankruptcy Case Number : XXXX due to this account reporting in error please delete it
Consumer complaint received 2022-11-17
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. (NY)

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this misleading account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Requested freeze to be removed since XXXX XXXX, XXXX. I have spoken with multiple representatives and supervisors to no avail. The online system has said that my freeze status is unavailable for weeks. I do not have access to maintain my online account due to this issue. By law, reports are supposed to be easily accessible.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. ()

Hello, I have been sent to a debt collector by CITIZENS BANK ( CB ) regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I amXXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to CB to close my debt and that the equipment was returned. I have contact CB multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with CB has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with CB and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the CB rep that my account was closed and that I shouldn't owe any money, I then informed the CB rep that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from XXXX XXXX XXXX XXXX XXXX that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much V/R XXXX XXXX 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. (VA)

I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX Account # XXXX The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all XXXX credit reports. Which is a violation. 

This is impacting me from moving forward to buying a house for my family. 

Equifax has violated my rights.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

I had a car loan with Navy Federal I lost my job fall behind on payments, car got reposed. After car was reposed, I called way prior before today, asking what my options with the loan balance I was informed I would receive a letter in the mail once my car was sold this happen way in XXXX, I never received anything by mail saying my car was sold. I was unaware until today when deposited hit my account and the took my deposit. Funds have been in there prior, and they didn't take those funds. I called explained I never received anything by mail and that I need those funds to pay my bills. they told me I can't get my money because a payment arrangement wasn't set up. I said I never received a letter stating I needed to set that up or who to set it up with. They took XXXX from me and only gave me XXXX from money I had promise bills I was getting today to pay them. I understand a debt is owed but it's just the way you go about things if someone explains they need their money back to catch up on bills they should had said what will you give us today? Not just take XXXX  from me after explaining I needed most of my funds back. the account I had with them was closed and charged off it states that on my credit report.
Consumer complaint received 2023-03-20
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: ALLY FINANCIAL INC. (FL)

This company Is in violation of Gramm-Leach-Bliley act for sharing my non public personal information with nonaffiliated third party companies.

I choose to exercise my right to opt out of having any account with this company report to the consumer reporting agencies under law 15 usc 6802
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

I sent PHH MORTGAGE SERVICES an affidavit of adverse order, which had been recorded on the land records, to remove them as trustee of my estate on my real property via registered mail. They continued to harass me about payments without true verification of the debt, so with honor I made multiple attempts to settle this debt, which was illegally and fraudulently obtained through lack of full disclosure, unfair mortgage banking practices, and identity theft. PHH illegally used and monetized my promissory note for gains without my consent and PHH also provide my private persons information to 3rd parties also without my consent. 
I presented them payment via legal tendered negotiable instruments of {$56000.00} on XXXX then {$19000.00} on XXXX to settle. PHH never returned my instruments, in which they were acceptance of, nor did they apply credit to my account. 
Phh proceeded to do a fraudulent and illegal non jurisdictional foreclosure, even after I tried to settle and have adverse affidavit removing them as trustee. PHH never sent special notice to me, nor put in newspaper for 20 days or weekly up to till sale.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank (GA)

Closed account on XX/XX/XXXX and was told to fax a request and the refund of my {$350.00} deposit would be issued in XXXX weeks ; otherwise it would take XXXX weeks. I faxed the request that same night as I closed the account. It has been right at XXXX weeks and no refund. I called today and they told me they see it was closed on XX/XX/XXXX ( and i have a letter from them via usps stating this also ) but he saw no refund had been processed. He was going to speak with his supervisor but " they are all on the phone but I will have one of them call you back ''. It has been XXXX hours and no return call so I am asking for your help in getting my {$350.00} refunded to me immediately.
Consumer complaint received 2022-11-18
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. (IA)

I have submitted a complaint with the CFPB, XX/XX/2022 on XXXX XXXX  and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

My account was paid and closed. Per a prior complaint I filed, they responded with some gobbledegook  about giving me {$2.00} to clear my account. Meanwhile, I received a statement from them indicating I owed them {$2.00} on my closed account. I think it is a way for them to start me accruing fees on this closed account. This, apparently, is their MO. Help, please.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX is continuously reporting inaccurate information to my consumer report they have taken a vital role in myself and my childrens lives. This company has willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a recent copy of my most recent report regarding this account, I have also circled all INACCURATE information since this company will not do a proper investigation. XXXX is practicing identity theft as well since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS XXXX 'S AUTHORTY REGARDING MY PERSONAL INFORMATION? Pursuant to 1681 ( 2 ) ( i ). DELETE THIS ACCOUNT ONLY ( XXXX ) FROM MY CONSUMER REPORT, the information is INACCURATE I should have never had to circle each inaccurate detail on my own. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage.