davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (SC)

I have received at least 3 text messages ( have deleted others ) on Thursday XXXX XXXX XXXX XXXX, Monday XXXX XXXX XXXX XXXX and today, Tuesday XXXX XXXX XXXX XXXX regarding a debt collector I have never heard of in an amount that I do not owe. I have 2 different credit monitoring accounts, neither which is showing anything for the past 10 years in the amount the texts claim to be owed. I believe this to be a scam which is why I have not reached out to the " Unifin '' company listed in the text message and I am seeking the CFPB assistance is getting these communications ceased while reporting a potential scam using the name of a ( potential ) legitimate company. The contact number in the text messages does not match the contact number listed on the Unifin Inc website either which further leads me to believe it is a scam.
Consumer complaint received 2023-03-27
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (TX)

On XX/XX/22 I applied for a personal loan from discover and was denied and sent a adverse action letter. As I am the consumer and attempted to get credit in GOOD FAITH as I am credit worthy. I was denied an extension of my own credit, for I am the consumer/ natural person. I replied with an affidavit as I felt this is discrimination. And credit was used with no benefit to me pursuant to 15 usc 1602 ( p ). My credit should not be in the hands of a computer generated determination, for I am a natural person.
Consumer complaint received 2022-08-30
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

This is my fifth and final attempt to fix this issues I wasn't going to submit another complaint because my attorney is handling my case now. But I had to to show other individuals that's going though the same issue that there is hope. I am a veteran and only was seek correction to my credit report now I'm seeking justice. I've contacted my local court house seeking justice for disable veterans and came across individual that can help. I have a XXXX  on my report and I was only asking for correction to the XXXX and XXXX  status XXXX  XXXX and that status is what is hurting me now because I can't buy a home with it I sent in numerous documents showing the correct information but on was told lies even went to the court house to ask why have they inserted that information and was told they didn't insert anything so now I'm left to sue both of these two companies for justice for ALL veterans like myself.
Consumer complaint received 2023-03-27
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency information unlawfully ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-08-30
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. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX, and financial hardship.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (OH)

XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - {$99.00} Noticed this charge and disputed and cancelled debit card .... 
XXXX Days later Debit card is still active and these charges were made : XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$54.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$51.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$65.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} This put my account in negative and a check was bounced because Ally Bank didn't cancel the debit card right away even after reporting fraud. Also the disputed charges above should have been credited back to my account within XXXX days, which hasn't happened. Only these charges have been credited back : XX/XX/2022 Credit for Dispute XXXX - XXXX {$19.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$99.00} Question is debit card has been used twice at the same ATM ... .data has been compromised with our debit card number and we have not received any communication.
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (AZ)

XXXX 's appears to be a home furnishing store, which is based online. I have never purchased anything from this company. I have not received any products or services from XXXX 's. I have not applied for any credit with XXXX 's, either. Upon receiving a bill from them for a little under {$500.00}, I called XXXX 's at the end of XXXX. I was told a tablet was ordered for delivery to a state which I have never visited. They said they would send me a form to submit a fraud claim. I have yet to receive it. Oddly, XXXX 's also said the order had been cancelled by their Fulfillment department and the tablet was never shipped. When asked why the charge could not just be removed since no products were provided, I was told again that I would have to submit a fraud claim and a form would be coming to me to complete. It has been a month and I haven't gotten said fraud claim forms, but I have received another bill.
Consumer complaint received 2022-08-30
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. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (FL)

I have a XXXX Commenity Mastercard credit card and I was informed when I got it that I could use the rewards I receive from when I use the card, with them or anywhere else, at any time I earn them. I went to XXXX the other day and they stated that I couldnt use all my rewards, only {$10.00}, which I had {$40.00} available and stated that theyve been having this issue for a few months and they couldnt do anything at this time and would have to contact Comenity. When I contacted them, they couldnt tell me when Ill be able to use my points. At this point I feel that Im been misled and giving wrong information on using my earned points for using their card.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that XXXX
Consumer complaint received 2023-03-27
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. (GA)

Equifax still has XXXX XXXX XXXX for {$1000.00} reporting on my credit file and it shouldnt be there. I have sent over documents and this account.has not been removed.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against XXXX XXXX XXXX, XXXX and Capitol One for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as Capitol One has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, XXXX any right to collect on this alleged debt. I've never given XXXX XXXX XXXX, XXXX my identifying information or Capital One the permission to share my identifying information. Being that XXXX XXXX XXXX, XXXX has my personal information that is in fact Identity theft. XXXX XXXX XXXX stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( Capital One ) and the assigned ( XXXX XXXX XXXX, XXXX ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX XXXX prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-29
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. (LA)

In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've ask XXXX to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.
Consumer complaint received 2022-08-29
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. (TX)

my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus XXXX and XXXX but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXXXXXX 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 XXXXXXXX* DP OF EDUC : XXXX XXXX : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (GA)

Hello, The app called " XXXX XXXX '' charged my debit card through apple pay {$3000.00}. I did not authorize these. The company does not have an active email address or phone number. I reached out to my bank since the charges were made through my debit card. My bank is SOFI bank, which is what my complaint is for. I disputed all of these charges and asked SOFI to reverse the charges and return the funds to me. SOFI reviewed the claims for a total of XXXX hours ( filed dispute XX/XX/XXXX, received notice back XX/XX/XXXX ) and came to the conclusion that they were no fraudulent. THAT IS NOT THE CASE. No one with SOFI will help me. They will not give me my money back. They just immediately closed the disputes with the only explanation that they " thought '' they were authorized. I have emails from the company where I tried, unsuccessfully, to reach them. I feel like this money was stolen from me and SOFI will not help me get it returned, and they will not credit the money back to me.