davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I hope this letter finds you in good health and high spirits. I am writing to bring a concerning matter to your attention regarding the living conditions in my current housing facility. I am currently enrolled at XXXX XXXX and require a suitable environment to study and live in order to ensure the successful pursuit of my academic goals. 

I regret to inform you that I have been facing severe mistreatment, theft, and verbal abuse from certain residents in my housing unit. Specifically, two residents named XXXX XXXX and XXXX XXXX have been unlawfully tampering with mail, stealing personal belongings, and subjecting me to constant verbal abuse. These repeated incidents have created an unsafe and unsettling atmosphere within the housing facility. 

As a dedicated XXXX, it is essential for me to have a peaceful and clean living environment where I can focus on my studies without constant disturbances or fear. The mistreatment, theft, and verbal abuse I have experienced have not only disrupted my daily routine but have also affected my mental well-being, hindering my academic performance. 

I kindly request your prompt intervention in addressing this matter and facilitating a transfer to an alternate housing facility where I can feel safe, secure, and able to concentrate on my studies. I believe that as a responsible authority committed to upholding justice and ensuring the well-being of individuals under your supervision, you will take necessary action to rectify this unfortunate situation.
Consumer complaint received 2023-08-19
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. Balance {$40.00} Credit limit XXXX XXXX Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Payment History Youve made 100 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account. Remarks No Info Times 30/60/90 days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-01-03
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. (MD)

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.
Consumer complaint received 2023-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Tried to increase a HELOC amount from $ XXXX to $ XXXX to buffer our remodel and pay off some other debt, but the lender, citizens bank never got back to me until I responded with an email on ( applied in XX/XX/XXXX ) XX/XX/XXXX. I was denied. Filed another application with my husband on XX/XX/XXXX, never heard back until XXXX. So now Ive gotten a few more credit checks and had adversely affected my credit score. Were in the middle of our remodel and now living in temporary housing with our rent being XXXX a month. I begin to look for other banks hoping to find an additional XXXX to cover us. More credit checks. Which affects my score. 

At this point, weve got about {$12000.00} to finish our job. The bank then suspends the XXXX saying that were unable to pay for financial reasons. Plus they had pulled another credit report. Weve been paying our loan as required. 

Went to the bank to see if anythings could be done, but nothing. We had to submit a request form for the $ XXXX. 

We dont and can not live in our apartment until this remodel is completed. 

So were going to be homeless and have a useless $ XXXX apartment sitting there empty. 

Help us
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

Around XX/XX/XXXX my personal belongings ( phone, credit cards and debit cards ) were stolen by my abusive ex boyfriend. I was in a XXXX XXXXXXXX situation. 
After I got the police involved and retrieved my items, I found out he had made unauthorized purchases with my cards and open line of credit in my name using my information and out of XXXX. 

I contacted my bank to report the fraudulent transactions and I was refunded. I was advised by my bank to contact Affirm as one of the transactions this person opened was with Affirm For a loan. 

I contacted XXXX and explained the situation to them and requested a cancellation of the transaction as it was fraudulent. They informed me that I would have to reach out to AFFIRM directly to cancel the loan. 

I reached out to Affirm and reported the situation requesting that the loan be closed as it was performed Fraudulently. Affirm insisted that they will not close the loan and that i have to pay it because I had other loans opened with that merchant. I explained that because I had other loans open with them does not mean that this was not FRAUDULENT. 

I went over the incident with a manager I spoke with and explained my XXXX XXXXXXXX situation and how personal belongings were stolen and I did not authorize this particular transaction. It fell on deaf ears. 

I insisted to not pay the loan because it was fraudulent. I requested that they provided me with documents as to how they arrived at their conclusion that it was not a fraudulent transaction, I was ignored. 

I have been contacting them for weeks and no one is responding to me. Instead I get threatening emails and text messages that they will report to XXXX and send the balance to collection.
Consumer complaint received 2024-01-03
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. (IL)

I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a formal dispute regarding a merged identity file issue that has resulted in significant inaccuracies on my credit report maintained by your agency, which directly contravene the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
Upon reviewing my credit report and signing into my Equifax account portal online, it has come to my attention that my personal information has been erroneously combined or merged with another individuals information, thus violating 12 CFR 1022.3s definition of identity theft. This merging of files has led to incorrect and misleading data, affecting my creditworthiness and potentially violating my rights under the FCRA.

The inaccuracies present include, but are not limited to : My personal information has been altered significantly, and the details reported under Personal Identification Information on my credit report inaccurately reflect my identity and creditworthiness
Consumer complaint received 2023-08-19
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. (FL)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

In XX/XX/2023 I changed my bank account information. I went into each credit card app and deleted my old bank account and updated it with the new one. The only card that gave me an issue was Synchrony. On XX/XX/2023, this credit card company took money from my new account and also tried to process a second payment from my old deleted account. I called and discussed this with multiple people through out XXXX. Each person told me it was taken care of which it was not. Then I was told I need to file a dispute which I did. I gave my bank statements showing the processed payment. I received no follow up. I called in XXXX, XXXX and in XXXX my app showed a " purchase '' on XX/XX/2023 for {$110.00}. I have made no purchases on this card since XX/XX/2023. I called and was informed that this was my " missed payment '' from XXXX. They said that my dispute was cancelled because I did not provide the required information. I argued and they opened another dispute. On XX/XX/XXXX I once again gave my bank statement showing the payment and the time stamp from my account when the payment processed. Today, I received another letter saying I have not given the appropriate documentation. I called and was told I need to give a copy of the front and back of the cashed check. I paid through the online app via debit card and there is no check. They have now charged me twice for XXXX. I feel like they committed fraud by trying to take money from a deleted account. They except payment with a debit card but if you dispute something the only way to have it resolved is by showing a copy of a check. This is fraud.
Consumer complaint received 2024-01-02
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. (CA)

I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX V. First American Credit, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Consumer complaint received 2023-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OK)

I made a payment with Edfinancial on XX/XX/XXXX of {$100000.00} towards my student loan balance of the identical amount with the option of auto-allocate selected. Upon rechecking my balance on XX/XX/XXXX I saw that there was a balance of {$9000.00} with the loan servicer having allocated an additional amount on one of my other loans for some reason, which left me with one loan at- {$9000.00} balance and a {$9000.00} balance on the other. I tried to call the company on XX/XX/XXXX, but the wait time was over 1.5 hours and I have to be at work and focused. Tried emailing the company which stated a 2-3 day response time. It's now been 4 business days with no resolution. I tried calling back again on XX/XX/XXXX at which point I was met with a 100 minute waiting time. I am worried that they will start fraudulently charging interest on my loans because of a mistake that THEY made.
Consumer complaint received 2023-08-18
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. (FL)

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. 

, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (SC)

Regional Finance has reached out to me multiple times since the beginning of this year ( 2024 ) about debt belonging to my close relative. I am not a co-signer of any sort on the debt, and have requested that I not be contacted. I was reassured as recently as yesterday XX/XX/2024 that I would not be contacted again, but got a call from a new number ( they've called from a new number every time I block one ) today XX/XX/2024 about the same account, looking for my relative. This time I called back after the call was over to ask why my number is associated with the account ( and the answer I got is that my number must have been added when the account was created, which I will doubt until they prove. Unfortunately I have been told of debt collectors using people search sites to XXXXaccidentally ' call neighbors and relatives. ) I informed them I would be submitting a complaint, though they said again that I should " no longer be receiving any calls ''.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.