davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer report with Experian, XXXX XXXX, and XXXX. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXX XXXX Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with Experian, XXXX XXXX, and XXXX. 

On date reported XXXX XXXX Experian XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active XXXX XXXX  Experian XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment XXXX XXXX Experian XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXX XXXX  violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet. 

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802. 

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXX XXXX  are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..
Consumer complaint received 2023-07-08
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. (TX)

I was victims of identity theft, I have had a lot of accounts open up under my SSN. Such XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY GENER I have addresses open up under my SSN. This has set me back tremendously dealing with these accounts and addresses Its bring my credit score down i cant get car or house.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (ME)

On or around XX/XX/2021, I opened an account with KeyBank and placed a {$10.00} deposit via another debit card. On XX/XX/2021, I arrived to the branch and deposited {$160.00} in cash. However, the transaction took an unusual amount of time but the branch staff member at XXXX XXXX XXXX, XXXX, ME XXXX ( phone number XXXX ) informed me that I simply needed to furnish my " car insurance '' information, which I did immediately. She informed me that my account would be unlocked shortly after. 

However, via email I was informed that I would need to provide some forms of documentation, including a lease agreement ( it is a month to month via verbal contract so no lease ), and renters/homeowners insurance. I provided my renters insurance policy in full on XX/XX/2021, which shows my entire address. The entire statement via email was the following : " XXXX can also accept a signed lease, a land-based utility bill showing a service address, mortgage statement, or homeowner/rental insurance declaration page. '' This was sent at XXXX XXXX on XX/XX/2021 from XXXX. 

However, upon sending the rental insurance declaration page, I was advised " You would need to supply a document that shows the address you provided when you opened the account. Possibly have your state ID/Drivers license updated with your current address. Another option - can you get a full/current utility bill and a signed note stating you are living at that address from the person you are renting from? '' aka they aren't accepting the renters insurance policy. 

I believe that I am a victim of a scam to the tune of {$160.00} and they are finding reasons to not reopen my account at this point.
Consumer complaint received 2023-04-10
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. (AR)

In accordamce with the Fair Credit Reporting Act. The list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX : XXXX, 15 USC 1618 Section 602 A States I have a 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 1681c. ( a ) ( 5 ) sections states : NO consumer reporting agency may make any consumer report containing any of the followings items of information. Any other adverse items of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 USC 1681 Section 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. Who verified such information as accurate.

I will need to be provided original contracts with my wet signature of all accounts that are deemed verified and accurate. I will also need names of people who investigated all items listed above as I will be suing for compensation for damages these false and inaccurate investigations have caused to me as it is a direct violation of my consumer rights. Please be prompt in handling this matter as this is my last attempt to rectify this before seeking legal action.
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-10-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/2024, a fraudulent transfer of {$1000.00} occurred on my Money Network account. I filed a dispute regarding the transaction, but on XX/XX/2024, Money Network sent me a letter stating that their investigation found no error, and my claim was denied. The letter mentioned that I could request copies of the documents used in their determination. 

I appealed the decision on XX/XX/2024, via fax, including all required information such as the case number, card details, and transaction specifics. In my appeal, I asserted that the {$1000.00} transfer was fraudulent and requested a refund. Despite their obligation to respond within 90 days, I received no communication. 

I made multiple attempts to follow up with Money Network. Representatives repeatedly informed me that they had no access to the Claims Department and could not provide any status on my appeal. I sent additional correspondences via email in XX/XX/2024, including new information provided by a Money Network representative named XXXX. She informed me that the denial was based on their investigation, which showed the funds were transferred to an account at a financial institution named XXXX XXXX with an account number ending in XXXX. I clarified in my email that I have no association with XXXX XXXX and found no such financial institution exists. Despite this, I received no response. 

On XX/XX/2024, I spoke to a supervisor named XXXX to request all documents related to the investigation, as is my right. The representative relayed that XXXX refused to provide the documents, stating that the vague initial letter I received was all I would get. I reiterated my legal entitlement to these documents, but they still refused. It has been over two weeks since I made this request, and I have not received any of the documents via mail, as requested. I believe Money Network has violated the law by refusing to provide these documents and failing to respond appropriately to my appeal.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

MY ESCROW ACCOUNT IS ALWAYS AT A LOSS WHICH INCREASE MY MORTGAGE PAYMENTS. I CALL TO FIND OUT WHY AND THEY TELL ME THAT MY TAXES INCREASE, I ASK SO MY TAXES ARE INCLUDED IN MY PAYMENT EVERY YEAR WHY IS MY ESCROW ACCOUNT AT A LOSS? I CANT GET A CORRECT ANSWER FROM SELECT PORTFOLIO SERVICES. THAT IS THE NAME OF THE COMPANY I SENT MY PAYMENTS TOO. IF I COULD GET SOME HELP AND INTO FINDING WHY IS MY ESCROW ACCOUNT AT A LOSS FOR THE LAST 5 YEARS WOULD APPRECIATED. DO YOU THINK I SHOULD GET A MORTGAGE LAWYER? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-09-29
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. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at XXXX  using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the XXXX reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided XXXX all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to XXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by XXXX on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as XXXX has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. Thank you.
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

I ordered some tickets through XXXX but I never received the tickets so I submitted a request for the refund of the tickets. I got the refund but they are still saying that I owed them money and they sent me to a debt collection company. I have pictures and messages of me trying to get this fixed since I dont owe anything to XXXX or True Accord. I didnt sign a contact with True Accord therefore I recommend them to cease and desist all contact methods. Additionally, I would like this debt removed from my credit reports and if you attempting to add it to my credit report I would appreciate it if you dont.
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kirschenbaum & Phillips P.C (NY)

I was served notice on XX/XX/XXXX regarding a debt held by XXXX XXXX, XXXX in the amount of {$8700.00}. Their attorneys are Kirschenbaum & Phillips, P.C. They contacted by me phone in XXXX regarding this debt. I called to discuss this debt as it dates back to XXXX with XXXX XXXX and this debt and all my debts were XXXX with my XX/XX/XXXX bankruptcy filing in XXXX. During my phone conversation they told me they have no record of this filing and when I told them the statute of limitations has expired they told me there was no statute of limitations regarding consumer debt. They have filed a complaint in the city of XXXX XXXX, NY and they had filed the same complaint in XXXX. 

I faxed Kirschenbaum & Phillips, P.C a copy of my XXXX discharge in XXXX after my conversation with them. 

This is harassment and I need them to stop.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc. (NJ)

My original mortgage was re-sold to Valon Mortgage as of XX/XX/2023. 

XX/XX/2023 : Valon request condo Insurance XX/XX/2023 : I provide documentation of condo/building insurance as par t of my HOA requirement. 
XX/XX/2023 : Valon reports me late due to lack of insurance, and charges me + {$420.00} for insurance & late fees. I call Valon helpdesk and walk through steps on how to bring account up today. I agree to pay the {$420.00}, until Valon is able to process my proof of home insurance by HOA documentation. Was told that the extra $ will be credited to the following month. 
XX/XX/2023 : Same process as May ... re-submitting Insurance documentation, reporting me as non-payment even after receiving email that payment was received and applied. New request from Valon that I need XXXX insurance. ( I have lived in my condo for XXXX  years gone through various mortgage buy-outs and was never required to have XXXX insurance. I called Valon and after many calls a representative helped me open a ticket for someone to investigate my case and provide a detailed explanation. 
XXXX XXXX No communication from Valon -- late fees increasing. 
XX/XX/2023 : provided Valon proof XXXX insurance and request late fees to be remove and credit for their mandated insurance. 
XX/XX/2023 : Valon has not had a representative review my case in details, communicated with me via email nor telephone call. 
Company keeps bouncy me and providing genetic answer.
Consumer complaint received 2021-02-12
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. (NC)

I Contacted XXXX XXXX XXXX XXXX and they are saying that my credit reporting is accurate and want fix the error that i am complaining about.they are reporting a paid charge off account as paid in full charge off along with payment history of a charge off in 2020 which shows up as a recent missed payment. 

i was convinced to pay the charge off in full in exchange for a pay for deletion and to be removed from XXXX. i was removed from XXXX  but the updates on my credit reports are inaccurate across all 3 reporting agencies.everytime i address this issues with XXXX XXXX there response is to prove the account is mine which is the wrong reason i'm disputing this account.i am disputing the payment history that is being reported as a missed payment in different forms with the 3 credit reporting agencies. 

I will attach the 3 credit reports and show the inaccuracies clearly, i do not know what else to do as far as showing the inaccurate reporting that is being reported as accurate. it has been almost 2 years of the same thing from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX can clearly see the error but refuse to fix by replying with account verification documents, which clearly is not being disputed. i am disputing payment history reporting errors which should say settled or no data because the only comment should say paid charge off as agreed or Settled if that cant be reported across all 3 reporting agencies. 

attached are Equifax and XXXX  reporting
Consumer complaint received 2023-07-09
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. (TX)

I recently contacted XXXX, Equifax, and XXXX, so that they can update my credit profile. XXXX made the change via phone but Equifax and XXXX would not. I am sending documented proof so that my information can be updated.
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On XX/XX/XXXX at XXXX I received a notification that someone gained access to my account and to reach out to support if it wasn't me. So I tried to log into my account via my phone number, was sent a code and it said " welcome back XXXX! '' And my name was always listed as XXXX so that is messed up. It asked how I would like to verify my identity before accessing the account and I selected each available option but it just pulled up this random person named XXXX information so the verification stuff was sent to that person, not me, the original owner of the account. I contacted support and explained all of this and they just kept saying the same thing over and over again. " You need to finish setting up your account, let us know when you've done it. '' I would say, I've tried all of that, what's the next step? '' And they just repeat it over and over again until they disconnect the chat because they, " can not help me and can not say anymore on the matter. '' I asked why and they said, " like we said, we can not help you with this matter but I'd be happy to help with anything else. '' Just over and over again, not explaining why or anything. I tried chat support four different times and got the same thing each time. So I went back online to try to select, " this isn't me '' during the sign in process when XXXX email pops up and then it just takes me to a screen that says, " for security reasons, you may not create a cash app account. '' No matter what I click, that error pops up. I feel like my information is unsafe and I have no control over this random person having access to my information and Cash app refuses to help me so I turned here because they already have an investigation going for not responding or helping during fraud situations.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

This complaint shall serve as a notice to Wells Fargo that they are reporting false and inaccurate information on my XXXX Report. They are currently reporting an account as Charge off, written off and past due. They can not report an account as charged off, written off and past due because it false and misleading. This account is causing harm and is defaming my name. XXXX are implicated as well because I have asked them to provide reasonable procedure that is fair and equitable to me as the consumer. They failed to provide that information as well.