davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXN XX/XX/XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Its accounts and loans open under my name and social that are unknown that I did not open. 

I disputed the items that are unknown, and the items are still on my credit report from all three bureaus.
Consumer complaint received 2022-08-26
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.
Consumer complaint received 2022-08-26
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. (TN)

According to 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 Experian, XXXX, XXXX have violated my rights by publicizing my information without my consent. I have tried fixing this issue but I get no results. Also I have unauthorized hard increase on my account.
Consumer complaint received 2022-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

This credit reporting agency is in clear violation of their own policy on top of violating portions the US Code. Upon speaking with an agent who referred to herself as an expert she refused to provide the information requested as it is not available and does not exist. Their privacy policy states that they must retain and provide a copy of the consumer consent that was provided from the companies in which they are giving non public information upon request from the consumer. They can not provide this as it was never obtained from said companies. Upon speaking with another agent he wasnt even aware of the policies in which he is required to perform under and informed me that I had to provide police reports in order to gain a copy of that information that is pertaining to myself. He also informed me that their company is not able to control, add, nor delete the information which they allow to be reported on my consumer credit profile. Upon this issue happening in the past the agent I spoke with was aware of policy and federal law and did her due diligence and corrected the issue at hand at that time. Also, there are derogatory accounts showing that should not be but this company refuses to conduct proper investigations in order to verify the validity of them, as again that is something they can not do. Per US law they can not just communicate with the creditor in question and return to me an answer that the account is validated. The policy and laws are still the same, however I am continuing to get agents who do not abide and create more stress and problems for me.
Consumer complaint received 2022-08-26
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. (SC)

Im submitting a complaint to inform you AGAIN I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: U.S. BANCORP (MO)

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. On multiple occasions I requested ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-08-26
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. (IN)

n accordance with the Fair Credit Reporting act Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-08-26
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. (SC)

Im submitting a complaint to inform you AGAIN I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00}, XXXX  XXXX Balance : {$7800.00}, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (NC)

Avant credit company issued a fraudulent card to someone in New Jersey using my name and social security number. This occurred on XX/XX/2022. I live in XXXX North Carolina. I received an email on XX/XX/2022 that this card was used in New Jersey. I immediately reached out to Avant to inform them that this was not me, I did not apply for this card. I was told they would remove this from my name. I then received an email on XX/XX/XXXX stating I have an outstanding balance of & XXXX, I called to be told I need to file an Identity theft victim complaint and affidavit, which I did and mailed to them. Approximately 30 days later I received a letter stating that it could not be excepted because it was not notarized our police report was not attached. I then as of XX/XX/XXXX resent the identity theft victim complaint and affidavit notarized via mail and email. I have called once a week and asked to speak to the fraud department, the supervisor, and was told it would take 48 hours to investigate and get back to me each time I will call. do this day this still remains on my credit and is a fact affecting my life, I was denied for a mortgage, had to pay an extra deposit for my apartment, was denied to refinance my car, all of this has occurred since XXXX. I want this removed from my credits I have provided all the proof they needed, my passport my drivers license and utility bill all showing my address and my name before I live I live in XXXX North Carolina. The credit card was applied for and sent to XXXX New Jersey, the address on the account is XXXX XXXX XXXX, XXXX XXXX, XXXX NJ.
Consumer complaint received 2022-08-26
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)

I have been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX  's, XXXX for my XXXX  's, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Consumer complaint received 2022-08-26
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. (PA)

The IRS publication states charge offs or a 1099C as gross or ordinary income. 
Income does not get reported on the consumer report. If income does not get reported on a consumer report, then why is a charge off being furnished as a DEBT? If the IRS says by definition, it is income, then these accounts listed are being reported as inaccurate and they have violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX According to : 15 USC 1681a - I have the right to Accuracy, privacy and fairness of credit reporting 15 USC 1681e ( b ) - Compliance procedures ; Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681a Section 603 subsection K- Definitions ; rules of construction. Due to this inaccuracy of my credit report I have been denied opportunities that has also violated my rights based on the Equal Credit Opportunity Act I demand that the above charge off account be DELETED from my report immediately.
Consumer complaint received 2022-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a Home Equity Line Of Credit with Bank Of America and I am in the process of selling my home. The closing date is next week on XX/XX/XXXX. When my attorney did a title search, two HELOC liens from XXXX XXXX XXXX came back. One lien is dated XXXX, XXXX in the amount of $ XXXX. The other lien is dated XXXX, XXXX in the amount of $ XXXX. I only have one active loan with XXXX XXXX XXXX XXXX XXXX amount of $ XXXX ( approximately $ XXXX now ). In XX/XX/XXXX, I was given a issued a $ XXXX line of credit. In XXXX, XXXX, I was given a $ XXXX increase, allowing me to borrow up to $ XXXX in equity. Unfortunately, the bank never released the original XXXX for $ XXXX and there are two liens on my property from XXXX XXXX XXXX XXXX XXXX XXXX and $ XXXX ). I have called and emailed the XXXX XXXX XXXX requesting that they issue a lien release for the initial loan. I have gotten nowhere. Customer service has no record of my initial loan number and I have been told that it could take 15-20 days for the research team to resolve this. My closing date is on XX/XX/XXXX and I need to resolve this issue prior to that date. I appreciate your time and consideration and look forward to your reply. Thank you. 
Best, XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

As of XXXX XXXX XXXX is showing I have a balance of {$4900.00} on my credit report from Capitol one This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to Capitol one Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated
Consumer complaint received 2022-08-26
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc. (OH)

On Thursday, XX/XX/2022 at XXXX XXXX, after President Biden announced debt relief for borrows of federal student loans, student-loan refinance company Earnest sent an e-mail with a headline that wrongly suggested that the relief had already been applied to accounts. 

The headline read, " [ My name ], up to $ XXXX in fed loans is gone but what about the rest? '' At issue, someone seeing this headline may inadvertently refinance their student loan before their debt relief is applied. 

Also, the body of the e-mail says that " the Fed [ is ] raising their interest rates, '' which may make potential borrowers wrongly think that the rates on their federal loans are being raised. 

The e-mail is attached. To be fair, a disclaimer is at the bottom, but the whole of the e-mail can be misleading. 

Furthermore, the disclaimer on Earnest 's website does not reflect the payment suspension through the end of the year, let alone through the most recent actions towards forgiveness. The screenshot is attached. Go to www.earnest.com -> Student Debt Refinance -> Check my rate, or, equivalently, www.earnest.com/_/slr-ui/rate-check/get-started I do not hold federal student loans, but the issue is serious enough for the CFPB to investigate and prevent harm to potential borrowers.
Consumer complaint received 2020-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX recently started sending me bills for a service that was cancelled 10 years ago. Last year I called them and they apologized and cancelled the bill and promised it will not happen again. This year on XX/XX/2020 once again they tried to charge me ( see attached ). Since my credit card number, a Capital One Visa was changed for security purposes they were not able to charge my card and informed me that if I do not pay them my services will NOT be renewed after XX/XX/2020 ( see attached. ) Fine. Since there was no service to begin with I did not respond to them expecting whatever service they claim they were going to provide will end and the issue will be resolved on its own. 
This is the interesting part : Visa and Capital One provided XXXX with my new visa card number without my knowledge. And XXXX used it and " renewed a non-existence service. '' When I called Capital One they said since XXXX said this was for a recurring service therefore XXXX has the right to the new card number. This is outrageous. How Visa and Capital One give themselves the liberty to be the judge and decide if XXXX is entitled to anything? Did XXXX provide them with any proof that I had agreed to anything? Was there a contract that was presented to Visa or Capital One? If so, I like to see a copy of it. Since Capital One is defending Visa and its own action did they check to see when this " recurring '' service  was started and how many times XXXX was ever paid? How did they determine that the service was not cancelled? What do they know about this false claim and why did they take XXXX 's side without even contacting me about the validity of the claim? The legal and correct and fair response from Visa and Capital One should have been : NOTHING. They should have stayed out of this completely as the credit card number was not valid. They should have referred XXXX to the XXXX 's own customer, me. Is this the new game big corporations and bankers are playing to defraud consumers? I had to spend hours on call waiting for Capital One to respond to my phone call and when I asked for a supervisor that never happened. They blamed it on COVID-19???? How come COVID only works against consumer and not the bank? How is Visa and / or Capital One have been given this power to provide my information to XXXX simply because XXXX said so? What is next? What other information do they share with big corporations without consumer 's knowledge? These are small amounts that cumulatively adds up to billions of dollars and when Capital One hides behind Visa and there is no way for an individual consumer to fight Visa or corporations like XXXX and Capital One they all get away with it.
Consumer complaint received 2022-08-26
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. (GA)

This is my several 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 XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX FIN XXXX Balance : {$9800.00XXXX XXXX XXXX XXXXXX/XX/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 Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX