davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (GA)

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 listed below XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request that you block and delete the account listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Account : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-29
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: JPMORGAN CHASE & CO. (TX)

In XX/XX/2019 we had fraudulent activity on our Chase credit card. It was discovered when a package showed up on our door from XXXX that we did not authorize or order. We immediately contacted Chase within 30 minutes and found that there were numerous other fraudulent charges on our card. Chase advised that we would not be held responsible for these unauthorized charges. Chase immediately closed down our account and re-issued a new card. In total there were approximately 10 fraudulent charges that occurred before the account being closed down. 

Chase conducted their research and removed all but one of the fraudulent charges on our account ( the one that alerted us to the fraudulent activity ). Chase notified us that the XXXX charge for {$420.00} would remain our responsibility since the package was delivered to our home address. We explained to Chase numerous times that we did not order this product and have contacted XXXX to attempt to have the merchandise returned to them. Our assumption is that the fraudster did not change the billing address to a separate mailing address when completing the transaction with XXXX. XXXX was not able to help us on the return due to the fact that we did not have a receipt for the purchase. 

After initial Chase claim decline, we filed a reconsideration request and asked Chase to provide the merchant documentation proving that we ordered the product for {$420.00} ( how card was information was provided, IP address, signatures, etc ). Chase stated it needed to go through legal review before sending to us. We have escalated numerous times over the past several months and have not received any additional documentation except for an additional claim denial. I have left the case manager, XXXX ( ext. XXXX ) and have not received a response back after multiple messages left. 

The merchandise is for a drone, bag and memory card which I have offered to send to Chase or XXXX but neither have been willing to accept it.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: USCB Corporation (GA)

I am a XXXX at XXXX College. Im paying {$49.00} a month every month direct deposit to the school. However, they are reporting my account negatively on all three credit bureaus as an open collection as if Im not already making monthly payments of tuition directly to the school from my bank account each month. This is negatively impacting my ability to secure a home loan and provide shelter for my family. This is causing me economic harm.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (AZ)

My mother XXXX XXXX was told by a rep from XXXX XXXX  that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing 60 days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXXFrom the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE 3-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER 18MO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX XXXX
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (AZ)

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX 2019
Consumer complaint received 2020-04-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA continuously called after verbal request of NO CALLS : XXXX ( XXXX ) - Santander initiated call - Requested NO CALLS after being contacted about past due amount, as I am typically at work and this disrupts my work day XXXX ( XXXX ) - Santander initiated XXXX and hung up when answered. 

XXXX ( XXXX ) - Santander initiated call ( spoke to ID # XXXX ) - Advised I had previously requested NO CALLS prior. 

XXXX ( XXXX ) - Santander initiated call and hung up when answered. 

XXXX - ( XXXX ) - Returned call to Santander and advised I had previously requested NO CALLS numerous times before. 

XXXX - Santander initiated call to alternate number on my account ( husbands ). Per requesting of NO CALLS, company should have restricted ALL CALLS to any number associated to my account. 

XXXX Company is in violation of TCPA*** Per agreement terms and conditions within the Santander contract, " Consent may be revoked at any time and by any reasonable means '' As a consumer, I respectfully requested NO CALLS numerous times - Santander attempted further contact 4 additional times after initially requested NO CALLS. Each of the 4 calls in violation of TCPA and could be fined up to {$1500.00} per violation. I reached out for legal action to be taken, but due to pandemic, this process has been delayed. I am requested immediate action be taken by CFPB and to fine Santander for these TCPA violations and award these to the consumer.
Consumer complaint received 2020-04-29
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. (FL)

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : XXXX file Number : XXXX XXXX  CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX  Acoount number XXXX XXXX, XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX Report Number : Transunion file Number : XXXX XXXX CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXXXX XXXX XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

We went into contract to sell a parcel of land on our property in XX/XX/XXXX. In XXXX of XXXX we notified Carrington Mortgage that we needed a partial release of the lien on the mortgage to complete the sale. We began the process of obtaining a partial release of the mortgage for our property at XXXX XXXX XXXX in XXXX New York. We were told it would be processed by XXXX XXXX the We were informed on XX/XX/XXXX by XXXX XXXX XXXX and Escalation Specialist with Carrington, that there was a problem with the assignments not being recorded. 

There are three assignments missing including the assignment to Carrington who says they hold the note. 

It is now XX/XX/XXXX. We do not have the partial release of the lien. And now we don't know, nor can Carrington prove, that they hold the note. Carrington 's customer service line will not let us through to legal department, lien department or the escalation department so we can not get answers. We have asked customer service reps to relay the message that we need to talk to them but no one returns our calls.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX was kind in outlining specific information related to my credit report that was overlooked by American Express when making a decision about my request for a credit line increase. This information proves, American Express used incorrect and invalid information about me that could be construed as prejudicial, when refusing to increase my line of credit. XXXX could find no excessive inquires ( there are none on my report ) and they report no negative marks on my credit ( AmEx said there were ). Because of this and the information provided, I am demanding American Express to do the right thing by increasing my lines of credit for both XXXX XXXX XXXX XXXX XXXX. 

Here is the actual response from XXXX : Company 's Response Thank you for submitting your complaint on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. As you state in the CFPB portal, you indicate that a creditor denied increasing the credit line for two of your accounts, they gave you the reasons for that decision, but it seems that is not the information reflected on your XXXX report. You want the creditor to have the incorrect information corrected. We would like to inform you that on the report there are not any late payments reflected. We do not grant or deny credit. Each credit grantor makes that decision based on its own guidelines. Consumer credit reporting agencies only store information from credit grantors and information contained in public records and supplies this information to other creditors. They also mentioned that a reason for being denied is because there are too many requests for credit, however, we do not have any recent applications reflected on your XXXX report. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. About the score, it is a number lenders use to help them determine your creditworthiness.
Consumer complaint received 2022-07-21
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: TD BANK US HOLDING COMPANY (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

TD AUTO FINANCE XXXX Late Date XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my XXXX requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Enterprise Acquisitions (MI)

I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with XXXX XXXX XXXX XXXX XXXX for more than XXXX XXXX wants, {$210.00}
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (AZ)

ftc violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... 
- News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX XXXX  XXXX all XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX