davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (MD)

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 stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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 2020-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

PSC has not sent me my HIPAA release that I have signed. 


They also haven't successfully validated the services I supposedly received. Instead, they told me to call the hospital I supposedly received services at. Unfortunately, I am unaware of a debt that I owe to said hospital. It is Puget Sound Collections responsibility to validate the information they are reporting on my credit report, not mine. 

I intend to follow suit if they can not provide my HIPAA release and actually the following information within 30 days : 1. Provide my signed and dated HIPAA release stating that 3rd parties may collect on my supposed debt. 
2. Provide proof that I received a service. 
3. Provide services I am being charged for. 
4. What the cost of each service is that I am being charged for. 

This company claims they have validated the debt, but they have not. They sent me basic information that can not be proved as mine.
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TN)

Nothing and these people are still using my identity getting auto loans transferring money from XXXX to the banks the have my XXXX report on freeze and I have received a verification code from XXXX and can't log in so this means a credit freeze doesn't work it's really your enemy because u can't see what people are doing with your name I have mortgage student loans and so many credit cards but I'm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a XXXX person is on my account Citi Bank in XXXX XXXX XXXX XXXX Texas and XXXX Florida just had two money transfer and there's a whole lot more jewelry and way more stuff and why is my XXXX blocked from me anywhere or any computer I use doesn't make sense so u telling me they can just keep using my identity I have police reports in I filed deputes with the 3 credit bureaus and they still using my identity my social security number has been completely misused my name is XXXX XXXX XXXX and and I'm a victim of a huge hacking crew my whole identity is over with XXXX XXXX Arizona XXXX XXXXXXXX XXXX XXXX Citi Bank Texas XXXX XXXX XXXX Tennessee XXXX transaction XXXX Tennessee
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

This complaint is in reference to Equifax. On XX/XX/XXXX I submitted packets to all three credit bureaus to place credit freezes on my XXXX children. My USPS tracking number indicated Equifax received the packet on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to see what was going on because I had neither received my certified mail receipt nor a confirmation letter from them that the freezes had been placed. ( I had received my letters from the other two bureaus weeks before. ) Equifax proceeded to tell me that they had not received my packets. 
I ended the call and went to the post office where a postal employee printed a confirmation of the signature they received when it was delivered to Equifax on XX/XX/XXXX. I immediately called Equifax again and tried to gain more information about where my packet may have gone and what is the standard process for mail that they receive. I spoke to a representative who could not give me any information. I asked to be transferred to a supervisor. I did not receive any information from him as well. In fact, he hung up on me. I have the phone call on video as proof. 
I would like to know where my packet is that has all the birth certificates and social security numbers of my children and myself. This is critical information and Equifax does not have a clue as to where it is at within their organization.
Consumer complaint received 2024-09-25
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (CA)

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.

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 2020-08-03
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX  XXXX
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

This is the Third time addressing this TX address that is not mine. It had already been deleted then is Showed Up Again on an updated report. I am providing a current report that I have ( however I don't think it is accurate with regards to addresses that Equifax has for me. I have moved thus I am providing two utility bills to show those addresses and my government ID. I have already provided these to you. I am also providing the other complaint detail and the Proof that the TX address has Already been Deleted. I do not have any other utility bill or something else to reflect my Current address of which Is Not Florida. I urge you to update your processes to not have people continually have to repeat the same mess.
Consumer complaint received 2020-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2006, I contacted Washington Mutual ( JP Morgan Chase now holds account ) to refinance my fixed rate loan to renovate due to mold and termite damage. Instead of agreeing to another fixed rate loan, the representative showed me options of variable/interest only loans only. I mentioned that I did not want them, but he coerced me that this would be better and lower payments and that I could refinance later. I apparently did not understand anything beyond lower payments and what that would mean to me in the future. He also added a home equity LOC to my loan, which I was not aware of until I was signing papers at the Title department. I asked if I could not sign for the HELOC, but was told would need to start the refinance process all over so I reluctantly signed. Years later, my lower payment schedule retired and my payments soared. I was unable to sustain the high payments but was able to get a modification of my loan to 2.508 %. I assumed, after lengthy conversations and applications, that my HELOC would be also modified. But years later, I realize that I am in the same situation. I am VERY concerned that if I refinance, I would be starting over, with the same balance of {$150000.00} and paying on top of the interest payments that I have been paying since 2006 ANOTHER 15 to 30 plus years of finance and the bank would PROFIT. I find this VERY unfair and find myself as a victim of predatory practices. It is very disheartening that my hard earned money is just going to the bank and not my principle balance and that this could go on for another 15 to 30 years.
Consumer complaint received 2020-08-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00}
Consumer complaint received 2022-03-25
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. (LA)

A credit card with Avant/XXXX XXXX was opened in my name without my consent. The account was opened on XX/XX/2022. I contacted the company on roughly XX/XX/2022 and said that the card was opened fraudulently and despite my complaint, they would not close the account. On XX/XX/2022 I received an email from Avant and they said they did not have sufficient evidence to close my account despite my complaint. On XX/XX/2022 I received another email where Avant said they closed the fraudulent account due to " Inconsistent account information '' but on the same day I received another email where Avant said that they do not have enough evidence to support that this application was submitted falsely. I am telling them this was submitted falsely and they found inconsistent account information. The account still appears on my credit report.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (GA)

This is an old cellphone bill from t mobile. They sent it to a collection agency before I could pay it. Instead of contact time they sent the information to my mother in regards to the debt by email and she forwarded the email to me. This company then goes on to create duplicate entries on my credit report for the same debt to make it look like I owe multiple companies.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2022-03-25
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}
Consumer complaint received 2022-03-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-03
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 submitted an online dispute to have a paid and closed account removed from my credit report. Instead, Equifax reporting the account as recently paid upon as though it was closed recently when it was closed in 2014. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXXXXXX {$2100.00}
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Jim Bottin Enterprises, Inc (CA)

XXXX XXXX  XXXX XXXX in XXXX XXXX offer a service for a trainer but fail to mention this service is a subscription type of charge. So in other words if you dont attend the training with a trainer they still charge XXXX XXXX I went on Vacation for a month and came back to two charges of XXXX , one for the month of XXXX and XXXX of XXXX. I filed a claim with my bank in order to get my money back and my bank gives a temporary credit in late XXXX. Approximately XX/XX/XXXX XXXX XXXX charged my credit card account twice for XXXX XXXX Around the same date I called XXXX XXXX the manager explained since I filed a claim with my bank, they had charge my account again for the amount of XXXX $ twice. My bank denied my claim and removed the temporary credit, but XXXX XXXX did not remove or refunded me the transactions from XXXX of two XXXX . At this time XXXX XXXX has charged XXXX $ for a service I have not used since XXXX of XXXX. Ive been trying to escalate this with my bank but they dont want to help me nor try to understand that those transactions in XXXX are an overcharge and authorized. XXXX XXXX  has been giving me the run around since XX/XX/XXXX. Ive spoken to the manager and the owner about this but they say they have no money to refund since they only have the invoices from XXXX and XXXX but not the ones from XXXX. I have my credit card statements showing the transactions posted and the temporary credit removed. I have yet to hear back from XXXX XXXX about my refund. Bad customer experience overall with XXXX XXXX located in XXXX XXXX XXXX XXXX California.
Consumer complaint received 2020-08-03
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. (VA)

I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, XXXX  reporting the account as recently paid upon as though it was closed recently when it was closed in XXXX. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Consumer complaint received 2020-08-03
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: AMERICAN EXPRESS COMPANY (MA)

This is XXXX XXXX I'm reporting American express companies. For improperly and falsely reporting on my credit report. I entered their covert relief program 19. They told me that I can consolidate my payments to one payment for {$240.00} a month. They said it was show up on my credit report as paid as agree and would not affect my credit score. I told them that I don't want to do it if it's going to affect my credit score. They said it was show as paid and nothing will happen to my credit score.This was a lie my credit score dropped from This was a lie my credit score dropped farmXXXX XXXX XXXX. To XXXX XXXX XXXX in the two months that I was in the program because American Express company report it partial payment. In return the credit bureau 's report at me late payment for 60 days. I never paid late ever in eight years I had a highCredit score
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.