davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$7200.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: VYSTAR CREDIT UNION (FL)

My name is XXXX XXXX. My s.s. # is XXXX. My DOB is XX/XX/XXXX. On XXXX XXXX I received a credit alert via XXXX to advise me that a account was open with Vystar Credit Union. I called this bank and initially they advised me that they can not close the account until I file a police report. I ran to the police station and filed the report. The case number is XXXX. The officer is XXXX XXXX. Her badge # is XXXX. Her phone number is XXXX. Finally once I left the police department, after pleading with the bank, they agreed to place a hold on account and advised me that they did not see any activity other than a deposit of {$5.00}. Im very concerned as my husband and I have had very weird incidence since our information was compromised with XXXX XXXX in XXXX.
Consumer complaint received 2018-11-03
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)

XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers. 

I called XXXX XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
XXXX and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

I submitted a dispute with experian I also have a membership. 
I tried to dispute using my log in. It tells me to call. 
Somehow when I call Experian I am somehow rerouted in every way and hung up on. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website http : XXXX which is very strange because in my last complaint they had another website https : XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. This is Fraud. 
I'm pretty sure XXXX does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I called the company they said they had 5 accounts under my name so I gave them my social security number and they said they couldn't find it in there so how did someone open up a account in my name but no ssn it's out of XXXX Florida I don't ever go there ... I need help resolveinv this please
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Credit Reporting Company. I have sent many disputes about the accounts listed below over the last 6 months. At this point I am requesting that you delete the accounts as you keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find an issue and later you update the account, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them. Do not ask them to verify anything again, they just keep giving changing their story. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the law below. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now. 

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-11-03
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. (NY)

I disputed information that wasn't mine to Experian, they did an investigation that I have no idea how they kept erroneous information that I have no clue why it is on my credit report. They have name variations for me that weren't mine and addresses where I haven't lived and employers that I didn't work for. 

I contacted them and no one answers their phone, then the fax number where they used to accept disputes isn't working anymore, then they give me an upload link then it said it wasn't working. 

I am using this last process before I sue them in Small Claims Court
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$37.00}.
Consumer complaint received 2018-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had {$1900.00} stolen from my Bank of America 's checking account. The money was electronically transfered through XXXX to a person whom I do not know. I called BoA to file for fraud, they said they will investigate but when I called them back 3 weeks later, they said that they can not do anything because the login was using my id and password, which I did not share with anyone. I then went to see them in person, but was also told that there is nothing they can do since XXXX is a 3rd party app and I have to contact them. I called XXXX and they told me BoA has their own version of XXXX so they can not do anything either. I then decided to get a police report, and the number was XXXX. I tried looking up online and there were a lot of people who got stolen the same way, but Bank of America also refused to take responsibility.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'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 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, I requested full accounting history, proof of ownership, proof of legal right to collect in the state of Nevada, details about the authority of this creditor to collect the debt on behalf of the original creditor, proof that the sent the legally required notices before sending the debt to the credit reporting agencies as well as requesting if they would be ready to settle for a lesser amount and they chance not provided this information.
Consumer complaint received 2023-08-09
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: Experian Information Solutions 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 XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

I co-sign on a car loan with a ( ex ) friend. The friend defaulted on loan and I didn't know, until I received a call from Ally financial, in late XXXX. Seems payments stoped in XX/XX/XXXX, and found out XX/XX/1923. I don't have the car and have tried to find it, but the person I co-signed for ( XXXX XXXX XXXX ) will not give me any info. I explained to Ally and have asked for payoff paperwork, to no avail. I know I'm going to be stuck, for my foolish mistake. But I don't think it's fair for Ally to keep adding charges. I have tried calling/talking to Ally and asked for supervisor, to no avail. They hang up or chant this, this call will be recorded etc. And I can't get answers or paperwork. They call my work and I say stop, your endangering my job. Financial I can't afford to pay this loan, I have my own car loan, and being a single father, I have a child to support. I do have a family member who is willing to help me, but it will difficult for them also. I just want a fair and final payoff amount and time limit, which I can not get Ally financial to give me. I have tried legal aid, and even though my income qualifies me, they can't help me, other then give me a phone number to bar assoc. That wants {$25.00}. For advice. Please Help!
Consumer complaint received 2023-08-09
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX Balance : {$8400.00} XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00}
Consumer complaint received 2023-08-08
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: CITIBANK, N.A. (NY)

Hello, on XX/XX/XXXX i, XXXX XXXX reported my Citi bank credit card lost. The card was locked and Credit card company told me that they will send me a replacement credit card to my home address by mail. I didnt receive a replacement credit card but on XX/XX/XXXX I was notified by a text message from Citi bank about my new card being charged for XXXX dollars. I immediately called the credit card company and notified them that I never received this new card, never activated, never used it and never gave anybody any permission or authority to use it. The Citi bank refused to connect me to their fraud investigation team and simply hung up on me. Please help me I believe I was scammed by someone who works at the credit card company. Thank you for your time.
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (VA)

CASE : # XXXX XX/XX/2023 after we had fraud in our bank acount for over {$1600.00} and 2 payments bounced back separately. The bank had not notified us until we called the police looking for our car and then called Ally. After confirming with the bank what happened to the 2 payments, we sent, via XXXX, immediately the 2 payments the very next day. Once the police confirmed a contracting tow company had the vehicle a representative of Ally denied having the car picked up when talking to XXXX XXXX ( not sure of his department ). Spoke to XXXX, another Rep, and gave him the XXXX payment information who said we satisfied the payments returned and then he tried to release the car but XXXX XXXX said the paperwork from the tow company had not been uploaded. 

We have been bounced around and helped to a degree but still are being asked by the redemption department to get customer service to send their department something saying we will deal the balance on the end of the loan. We have sent a message via the portal but no one is responding. 

We have paid off over {$32000.00} in car payments for our car? In addition we have spent well over {$7000.00} in repairs. We will have the car paid off before the holiday season but we need to get to work. I have not been able to get to work due to the distance to get to work and a vehicle is a must. 

The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX. We can be reached on XXXX. We thank you for your help, time, and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I sent in an identity theft report ( FOR THE SECOND TIME IN 6 MONTHS ) on XXXX XXXX XXXX XXXXstating that the inquiries on my report were erroneous and need to be removed with all the info to protect myself and my credit file Experian just emailed me and told me they wouldnt take action because they didnt believe it was me. IT IS ME. they need to stop stalling! Those items DO NOT BELONG TO ME. They need to be deleted - its illegal for any bureau to report inaccurate information.