davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

In approximately XX/XX/XXXX, someone unknown to me opened an XXXX XXXX XXXX XXXX account in my name without my authorization. I first learned of the fraudulent account when I received a collections notice in XX/XX/XXXX claiming that I owed {$2800.00} for an XXXX XXXX XXXX XXXX account ( Account # XXXX ). Neither the collection agency no XXXX XXXX XXXX provided me with any additional information about the fraudulent account. For example, I am unable to specify where the fraud occurred, which personal information was used to establish the account, what items or services were purchased, etc. 

I spoke with the collection agency and notified them that the account was fraudulent. The collection agency sent me a form of affidavit to file with XXXX XXXX XXXX. I filed the fraud affidavit with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX apparently failed to take action on my affidavit, as I yet again received a collections notice in XX/XX/XXXX. 

I can not state any more clearly that I did not open this wireless account. During the time this account was opened, I had a XXXX XXXX account, which I've maintained at all times since. I do not have more than one wireless account. This is clearly a fraudulent account for which I should bear no responsibility. 

I would note that it is quite apparent to me that XXXX XXXX XXXX lacks the proper controls and processes to prevent this sort of fraud. I think it is entirely unjust to shift the burden here from them to me. I have no idea why I've had to file the same affidavit multiple times. I have no idea why it would be MY responsibility to go file a police report. This was a total waste of my time. XXXX XXXX XXXX is a large company with plenty of resources. It should do a better job of protecting itself and me from this ridiculousness.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a checking account with J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES , INC. d/b/a CHASE. XX/XX/2020 CHASE BANK furnished a fraudulent report. Due to this fraudulent report I have not been able to open a bank account or get a loan during these hard times. I was notified of this transgression of my rights, specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, I as a natural person possessing open end credit transaction plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES INC. d/b/a Chase adverse action taken against my rights, of which the civil damages pursuant to code 15 USC 1611 ( 1 ) are up to { {$5000.00} } civil damages pursuant to code 15 USC 1692 ( j ) are up to { {$100000.00} }.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

It has come to my attention that Indigo Mastercard has falsely reported that I am 120+ days late on payments, even though my account has been closed following a ruling in my favor regarding an identity theft incident.

I want to emphasize that I have already been recognized as a victim of identity theft, and the ruling in my favor clearly states that I am not responsible for any fraudulent transactions made on the Indigo Mastercard account. The account has been closed to prevent any further unauthorized activity. Therefore, it is extremely distressing to see this inaccurate information on my credit report, as it could have negative implications for my financial standing.

To assist in resolving this matter promptly, I have attached copies of the official ruling in my favor, which clearly states that I am not liable for any fraudulent charges incurred. Additionally, I have included documentation confirming the closure of the Indigo Mastercard account as a preventative measure against further unauthorized use.

I kindly request that you initiate an investigation into this matter and take the necessary steps to correct this false information on my credit report. It is of utmost importance to rectify this issue as soon as possible to ensure the accuracy of my credit profile.
Consumer complaint received 2023-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Someone has a capital one card credit in my name and has had it for some years now. Ive been a victim of identity theft for a few years now it had gotten so bad now the IRS has to send me a pin each year to file my taxes because someone had tried that wasnt me. I have a bankruptcy case scheduled in Delaware court in XXXX and I have NEVER lived in Delaware nor filed for bankruptcy i dont know who has my information but its making my life extra hard.
Consumer complaint received 2023-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit reporting act this creditor has violated my rights, under 15USC 1681section 602 states I have the right to privacy 15USC 1681 section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Im trying to dispute because I've already reached out to the CRAS for validation of this alleged debt and if can't be verified would like this to be deleted they have yet to meet the demand in verifying or removing the accounts
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (MA)

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (LA)

On XX/XX/2023 try close my credit account. On XX/XX/2023 alliance insurance company refund it {$120.00} to my closed account. I've been called the time ever since the XXXX of last month trying to see when they are going to send me a closure check. I have been on the phone with them every day, waiting on an email ; still haven't got an update on anything that is going on with my money.
Consumer complaint received 2023-09-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

Please see my attached identity theft report. I have already disputed this account due to it being fraudulent, unauthorized and a violation of FDRA, and TILA. This company is unlawfully operating and illegally communicating and publishing inaccurate information.
Consumer complaint received 2023-08-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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. (IN)

Subject : Notice of Violation of 15 U.S. Code 1681c2 and 15 U.S. Code 1681n I am writing to inform you about a serious matter regarding my credit report that requires your immediate attention. It has come to my attention that my credit report contains inaccurate and fraudulent information as a result of identity theft, which is a direct violation of the regulations set forth in 15 U.S. Code 1681c2. 

According to the provisions of 15 U.S. Code 1681c2, any credit reporting agency is required to block information resulting from identity theft from being reported on a consumer 's credit report. Identity theft is a crime that I unfortunately fell victim to, and as a result, certain fraudulent accounts and inaccurate information have been listed on my credit report maintained by your agency. 

I have taken the necessary steps to report the identity theft to both law enforcement agencies and the Federal Trade Commission ( FTC ). I have also provided documentation of these reports to your agency along with a written request to block the fraudulent information from my credit report, as stipulated by law. Despite my efforts and adherence to the legal requirements, the inaccurate information still remains on my credit report. 

This blatant noncompliance with the legal provisions outlined in 15 U.S. Code 1681c2 has caused me significant distress and financial hardship. Furthermore, under 15 U.S. Code 1681n, credit reporting agencies can be held liable for willful noncompliance with the Fair Credit Reporting Act, resulting in financial damages to the affected consumer. 

I kindly request that you take immediate action to rectify this situation by promptly blocking the fraudulent information from my credit report and providing me with written confirmation of the same. Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to seek the remedies outlined in the aforementioned statute. 

I trust that you will treat this matter with the seriousness it deserves and take swift action to correct the inaccuracies on my credit report. I appreciate your prompt attention to this issue and hope to receive a timely response. 



I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing. 
Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 
The details of the accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect as I have never opened or authorized these accounts.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX  stated here and on the better business bureau that the hard inquiry into my credit file was an error on their end and that the removal of that inquiry would be taken. However two years on the inquiry is still presented on my credit report as a hard inquiry. 
Please see attachment. 
Advise
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

This complaint is against EQUIFAX. Equifax reduced my credit score by XXXX XXXX XXXX points between XX/XX/2023 and XX/XX/2023 citing that it was because I closed 2 credit card accounts with XXXX XXXX XXXX as well opening a new line of credit with XXXXXXXX XXXX  for home repairs. Please keep in mind that I was in good standing with this creditor and paying more than the minimum payment. I paid both credit card balances in full and closed the accounts because of the exorbitant fees and interest. The new line of credit with XXXXXXXX XXXX was opened in XX/XX/2023 did not become due until XXXX prior to the work being completed XX/XX/XXXX. So I paid the minimum payment to remain in good status, but to make sure I was not paying for services I had not received. It would seem as though all of my good paying history with XXXX XXXX for several or more years was erased all because I paid the balance off in total, with no pass due payments ever. I know that Equifax was previously cited for incorrectly reporting ratings/scores either by sheer ignorance or manual manipulation. Please investigate. I have tried to digest the explanation they have given but I can't because I have been so committed to rebuilding my credit after being sick, unable to work which left me financially devastated.
Consumer complaint received 2023-08-21
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My husband and I had a credit card for more than XXXX years with XXXX XXXX XXXX We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Consumer complaint received 2023-08-11
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.