davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
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. (TX)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TN)

I have two issues here regarding a debt that is under my name with Franklin Collection Services. There is a balance of over {$700.00} owed to XXXX. I have disputed this previously with another agency and was determined it was not mine and removed from my credit. I have told Franklin Collections this and yet they are still reporting this on my credit. I have a very common name and this has happened before. I have never lived in KY I am a resident of TN. I first reached out to this company on XX/XX/19 with my dispute. I have yet to receive any kind of validation or anything that even shows what this is for and who it actually belongs to. i have all of the email chains as i kept everything in writing. I have submitted a XXXX complaint which they still have not responded to and that was submitted in XX/XX/XXXX. What else can be done? They are in violation of federal law by continuing to report this and collect when my dispute was blatantly ignored and i have received no documentation that contests my dispute. Yet they still report this as delinquent on my credit.They had thirty days to address my concerns and it is pushing 90 days with no resolution. Please help! I have attached the emails showing how long this has been going on.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$440.00}
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Google Compare Credit Cards Inc. (CA)

I am forced to use internet free services and my domains are down and I did not get paid. I am filing all these reports so I get paid as an individual and if I am exploited or my money taken by a group claiming as my family I demand them executed as I am XXXX and losing time while many of my age has homes family children. I have been physically attacked In XXXX and injured and detained in USA XXXX and XXXX and I am used to solve other people 's communities poverty and is theft. Many of my age have become grand father and I do not have money to eat my own food or have a basic room. 
I am filing this report against google.com another clever company employing many and never paid me a dollar. please send the report to google.com. it's not ok the contents of dhyanayoga.info is in sites.google.com. 
I have to call a Prashant and srininvas to get money to stay in a room and today my net income is XXXX I am listing the company as google pay I demand immediate enforcement of large amount of money enough to start a life enter usa. 
I am XXXX times sure the criminals who attacked me are again pursuing the same track. Whover I am in touch with might be tracked and prevented from helping me by the criminals like XXXX. Right now I am now again asked to leave the room. Who is having my atm. If XXXX XXXX XXXX or XXXX XXXX is stealing my money using those like XXXX XXXX it's theft. I do not want to see anyone in XXXX or even XXXX if possible but I can not be in streets of XXXX I have to be in XXXX California XXXX apartments
Consumer complaint received 2023-08-16
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I opened a Citibank savings account. They immediately flagged it as fraud and closed my account without telling me. I contacted them numerous times in mid XXXX. I received no help and was assured that the problem would be resolved in 60 days. It has been over 60 days, I do not have the $ XXXX I put into the account. Not having access to the money is crippling me. On XX/XX/XXXX, they told me they received my report to the comptroller of the currency, and they would no longer discuss anything related to my issue.
Consumer complaint received 2023-08-16
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-16
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-16
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. (GA)

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 U.S. Code Section 1681c-2 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 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 I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am applying for a mortgage and Bank of America and XXXX let me know they update correct balances monthly ( not virtual ) so you have to wait which keeps your score lower than it should be and you pay more. 

I am sending attached what the actual balance is as of today and what XXXX and BofA are still showing, it would move my score please update it, its XX/XX/XXXX.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am not deceased. i have filed a complaint with the CFPB last month and received a letter back stating that XXXX XXXX made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN TRANSUNION, XXXX AND XXXX. NOW I WAS DECLINED A XXXX  LOAN.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

YOU HAVE VIOLATED YOUR RIGHTS IN MANY WAYS. 
FAIR CREDIT ACT HIPPA VIOLATION FAIR DEBT COLLECTION PRACTICES DEFAMATION OF CHARACTER REMOVE THIS FROM MY CREDIT FILE. THIS ACCOUNT IS NOT MINE. SEND DOCUMENTS PERTAINING TO MY REQUEST. NOT SOME KID SOCIAL AND SOME GUYS ID.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX COLLECTION SERVICES # XXXX never had this account or done any business with these companies.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (MD)

15 U.S. Code Section 1681c-2 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 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 I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/2018 I Bought a refrigerator from Lowes. They promised me same as cash with no interest for 12 months. 

They actually did not provide this purchase method. They instead converted my transaction to 5 % off without my knowledge. 

As soon as I saw this, I contacted them to change it. Customer service would not change it. 

I moved and told Lowes my mailing address. They continued to mail the bills to the old address, which caused my bills to be overlooked or late. 

I paid as agreed, but it was late some months. They charged huge late fees and then closed our account. 

I continued to request they change our address. They never did until after 3 attempts. 

In this way, they put too much interest on the account and too many fees.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

I moved out of my home in XXXX, New Jersey on XX/XX/XXXX. I notified XXXX that I was moving and it was noted in their system, my last payment to them was submitted on XX/XX/XXXX. 

I moved to XXXX, New York on XX/XX/XXXX and opened my new account with XXXX on XX/XX/XXXX. 

Today I am finding out that I have had a delinquent payment with XXXX from my XXXX home but it never reached me because they never sent it to me, they were sending my bill to my home in XXXX rather then mailing it to my new address in XXXX. I have paid this in full today XX/XX/XXXX and have a confirmation number to prove it and this will be shown as paid in full by XX/XX/XXXX per the customer service rep ( who apologized for the bill not getting to me ). 

This has significantly affected my credit score and I would like this removed from my credit report. You can see that I have a 100 % pay-on-time score which shows this was not an intentional delinquency, but rather an error in their system. 

Thank you
Consumer complaint received 2023-08-16
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (GA)

My complaint is that the Midwest Recovery System replaced an account that was paid through ingerent care through the Patient Financial Department on XX/XX/XXXX. I check my credit report daily through XXXX XXXX and XXXX The amount of the account is {$1700.00} and they said that this account was opened in XX/XX/XXXX. This bill was done back in XX/XX/XXXX and at this time I was unemployed. 

My next complaint is with XXXX XXXX XXXX. They are trying to collect {$190.00} from me from the original creditor which is XXXX. The original date on this account is XX/XX/XXXX. I just cancelled my Insurance with XXXX  and I had insurance with them for about three years and they didn't say anything to me about a past due amount, if so, I would had to pay them before I started insurance with them.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been years ago that I informed you that 2 of the 3 addresses you have on my credit report are not mine, I have never owned, rented, leased or lived at XXXX XXXX XXXX. XXXX . XXXX, XXXX, Texas XXXX or XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX, XXXX. 

Further, the information on the credit report shows me all but the last 4 digits of each credit card, and does not include the name or at least the initials on those credit cards. The last 4 digits would possibly be more help to me than any of the other numbers of each and at least the first and middle initials would definitely be of a big help, since you have addresses I have never lived at I have a suspicion some of these credit cards also belong to other people also. 

I also have no doubt that these errors would also appear on my wife ( XXXX XXXX XXXX ) report also, XXXX, as myself have resided here at XXXX XXXX XXXX, XXXX, Texas XXXX for the past 41 years and never resided anywhere else in that time frame. If you can correct my report can you also correct hers. I doubt this because if you can or will why didn't you do it years ago?
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

On XX/XX/2020 around XXXX, I have received a call from number ( XXXX ) -XXXX.. with caller Id showing as a Potential Scam. When I answered the call the caller screamed my name. I told him that it was me. He then asked me for my date of birth. Then told me that I owe {$290.00} to a hospital in NJ. I asked him to send me the bill and told him that if I really owe them then I will pay them. He said that he is not the one to send the bills. I told him that I do not owe any hospitals as far as my knowledge goes. He said he works for Wakefield Associates law firm. And if I do not pay, he started threatening me and my family. The caller said that he will spoil my family 's history ( not sure what he meant by that ). Threatened severe action.I told him that I will complain to federal authorities. He said " go ahead and do it ''. 

After few minutes, I went on Wakefield Associates website and wrote a complaint. The next day, a person by name XXXX, claiming to be from XXXX XXXX, messaged me on my XXXX. I told him all that happened. This morning XXXX sent me another message saying : " Would you be free to discuss this on the phone? ". So far I did not reply. My wife is sick, she has severe XXXX ( hope it is not XXXX ). None of us are going outside. Calls like this are scary. 

Thank you, XXXX XXXX XXXX