davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-15
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. (DE)

I would like to state that Equifax is in violation of 15-USC-1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I demand that Equifax remove these inaccuracies off my consumer report. They are hurting my consumer report .Keeping me from extending my credit. If they are not removed. I will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15-usc- 1681 ( a ) 1 states that the Banking system is dependent upon fair and accurate consumer reports. 

XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I set up automatic payment of {$40.00} per month for my Bank of America Visa card account in XX/XX/2022. I thought the bill was paid until In XX/XX/2022 when I received an email saying that my account was delinquent for 3 months due to non payment and my credit amount was reduced to {$700.00}. I checked my account and 3 payments had been cancelled that I had not cancelled and had been the delinquencies had been reported to all credit bureaus and my scores dropped. I read that this had happened to a number of XXXX XXXX  customers. Before this I had a 100 % payment rating.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (IL)

XXXX XXXX your company has repeatedly contacted me/ us, claiming that I owe a debt under Harvard Collection Services LLC account number XXXX. I do not believe that I owe this debt. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. 

I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. 

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 
The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting
Consumer complaint received 2022-09-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-09-28
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: EQUIFAX, INC. (FL)

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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OPORTUN FINANCIAL CORPORATION (CO)

On XX/XX/XXXX, I attempted to pay my bill in full, a total of {$450.00}. I made a payment. 

On XX/XX/XXXX, I logged into my account and noticed that the payment had not been posted, nor were there any pending transactions on my account. I proceeded to make another payment of {$450.00} in an attempt to pay off the balance. 

Both payments posted as of XX/XX/XXXX. My bank account was charged two payments of {$450.00}. My account balance on Opportun was - {$450.00}. 

On XX/XX/XXXX, I called customer service and explained the issue of the double payment and requested a refund. They said it would take 30 calendar days to receive a refund of the overpayment. 30 days! I was not happy, but I felt I was in no position to argue their policy so I acquiesced. 

On XX/XX/XXXX, I realized I had not received the refund check by mail as promised, so I called again. They said that I should call back in 3-5 days to make sure everything was good. I conjectured that I had already waited 30 days. They assured me everything was good. 

I called once again on XX/XX/XXXX and was eventually pushed to a supervisor. They claimed that a ticket was never created for my refund, and again, I would have to wait 30 days. I argued that this was unethical, and that they should call me when the check was being sent as I was in need of the funds. They called me back immediately asking for confirmation codes of my payments. I told them I had no record of confirmation codes, and that my online account still reflected the double payment. They told me I may have to wait 30 days once again. 

As of XX/XX/XXXX, I have not received my funds, nor have I received confirmation that a check is on its way.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I used my Venture card to purchase airfare. That trip was cancelled by the airline due to COVID 19. The airline issued me a voucher for the amount paid to be used within one year. The airline ceased all operations shortly after issuing the voucher and has recently filed for bankruptcy. There was no time when it was ever possible for me to use the voucher and it expired. I asked CapitalOne to reimburse me for the purchase as I received no goods in return. I was denied by CapitalOne for various reasons. One time I called in and they told me to wait to see if the airline would make amends. The next time I called in CapitalOne told me it was too late to get any reimbursement. I wrote two formal letters to CapitalOne but received no help. Ultimately, I paid for a service I never received and both the airline and CapitalOne showed no signs of helping me. I lost nearly {$400.00}. Other travelers on this flight who booked their airfare with XXXX and XXXX XXXX DID receive a full refund.
Consumer complaint received 2022-09-28
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. (TX)

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXXC Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (OH)

I discovered that there were fraudulent transactions on my account. I had " unusual activity '' checked on my account with PNC Bank for security. The bank never did anything to prevent someone or maybe several criminals from using my account. I never lost or even dropped my bank card. I do not know how they stole the money. I was too upset to add all the money stolen after I realized it was over XXXX. Most of the stealing was done with XXXX online food purchases, and XXXX. All of which I do not have and never did. I do not have XXXX, I do not purchase food online, I do not have XXXX, and I have not been to Maryland or California. I can see the money was stolen in states and restaurants that I never go to or use. If this wasn't unusual activity I do not know what was! I made a police report and a report with the FBI. I placed disputes for all of the money and the bank returned a small portion of it and has a very convoluted and confusing phone process that causes me to get a hold of those that can tell me virtually nothing. In other words, I can not talk to the bank directly about my disputes. I believe that this is done purposely.
Consumer complaint received 2022-11-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-13
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-29
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. (GA)

Im resubmitting 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 any item 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 XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-09-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-29
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (WA)

XX/XX/2022 - received letter from I.Q. Data International , Inc. falsely claiming I owed {$990.00} of rent debt from XXXX XXXX XXXX XXXX response contesting this debt sent immediately, phone call made a few days later, email sent to their disputes department on XX/XX/2022 documenting final rent payment and statement sent to landlord for discontinuing lease at the date stated in the lease agreement. 

Nothing for two months. Never received any written or emailed response. On XX/XX/2022 phone calls made under fake numbers ( numbers with area codes identical to our phone numbers as opposed to the debt collections number ) to myself, fianc, and an old emergency contact from the lease. 

Debt collectors now saying I need more proof that I owe nothing after them not being able to successfully contact XXXX XXXX XXXX. No. I don't have a screenshot of the final {$0.00} ledger because typically {$0.00} means {$0.00} and not debt collections on a false {$990.00} debt. 

I have opened up a small claims case against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XX/XX/2022 ) for the {$990.00} falsely claimed to be owed.
Consumer complaint received 2022-07-18
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: Aargon Agency, Inc. (MD)

Wrote letters asking to remove several accounts. As of the XXXX and one account in XXXX. I was a XXXX XXXX. As of today I am trying to get my life on track. I also was so informed by the IRS someone in the state of California received benefits in my name... I have never lived in state nor ever went to the state. I have my results on my health and police report
Consumer complaint received 2022-09-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (NC)

I Have made numerous calls to get information on a separate debt after pulling credit report. Contacted debt collector listed and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted them today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$34.00}. I stated that my credit report showed something else and that is when she stated I had this one too. When I explained that I was not aware of this bill nor does it show on my credit report the agent told me I still had to pay it. I spoke Paramount Recovery to a XXXX today XX/XX/2022. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX XXXX, myself and Paramount Recovery. This is not the case. I have not signed any documents with Paramount Recovery ever.