davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

Ive Recently Reviewed My Credit Report Again And I Notice Several Fraudulent Accounts On My XXXX Ive Already Reached Out To These XXXX  People And They Are Not Responding Or Sending Correct Documentation To Prove These Accounts Are Mine. I Want All These XXXX  Accounts Removed Of My Credit File It Is A Violation Of Of FCRA 605b(15 U.S.C. $1681c-2) Everything That Has Been Identified As Fraudulent Needs To Be Removed Within 4 Business Days Of zThis Notice. This Is Unacceptable At All Levels. Once Removed I Need Everything Emailed To Me Immediately..!!!!!!! Email 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

Its Several Inaccurate Information And It Needs To Be Gone Thank You
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite numerous efforts to rectify the existence of fraudulent, erroneous, and deceptive data on my consumer report, the matter remains unresolved. The presence of these entries has greatly affected my life, leading to considerable stress and XXXX I neither approved nor agreed to link this information to my identity, as I have been a victim of identity theft.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I rented a car from XXXX in XXXX. This was under XXXX  XXXX. The amount debited from my checking account was XXXX. This charge is VALID but relevant, as it is a charge for the car rental for the XXXX XXXX. 

The company ( XXXX ) then charged an ADDITIONAL XXXX. This was charged over 3 months after the rental. Of course it was checked out and there was no damage. 

The above amount ( XXXX ) was charged for the exact same car, rental period, name, miles driven, everything, as the amount that was already charged ( XXXX ). 

I have attempted to contest this charge with Chase because it is ILLEGAL AND FRAUD. 

Chase did not investigate the vendor to be at fault. How is that possible? They charged twice for the same rental. There was no upgrade. There was no insurance I took out. This was, again, 3 months after I paid for the car, returned it, and there was no issue with damage or any reason there should have been any secondary charges. 

This fraud/incorrect billing was NOT investigated by Chase. This is my last attempt the receive the stolen XXXX from Chase as the vendor will not cooperate. 

My next step will be civil action for breach of terms with Chase and for upholding and even encouraging fraudulent charges to my account by foreign vendors who charged twice for the exact same rental and product.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

A month ago, I filed a complaint with these Bureaus, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they've already closed my complaint. Can you clarify why they closed it without addressing the issue? Did they even look into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. Could you share how they went about verifying my report?
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (TX)

I had 15 missed payments with the PNC bank during the Covid times. After the forbearance period ended, I resumed making monthly payments. However, the bank consistently sent notices stating that I had to cover the overdue payments from the Covid period or modify the terms of the loan. 

They proposed a new plan, which involved extending my loan for an additional 17 years. I did not accept this offer and sent several letters requesting them to defer the missed payments to the end of the term. I could not agree to extend the loan for 17 more years ( i.e., 204 payments ) due to just 15 missed payments. 

Unfortunately, they ignored my letters, and the calls did not yield any results. Suddenly, I received a letter stating that the house had been scheduled for foreclosure, with the auction date set for XX/XX/2023. They are demanding a reinstatement amount of {$60000.00}, or the house will be sold at auction. The amount they are asking for includes the 15 missed payments from XXXX and the payments from XXXX to XX/XX/2023 while we were discussing the loan modifications and the attorney fees.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (IN)

The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Rocket Mortgage, LLC (PA)

I owe a home. My children are ready to leave and begin their own lives. This prompted me to look into a small home. A cheaper home. The company pulled a credit report on me. Standard practice. XXXX days later I had around XXXX phone calls. At least XXXX texts. I then looked into my span filter there were about XXXX numbers blocked. ( I average about XXXX a day ). I was emailed as well. By the way, I get to pay for this harrassment due to the need to pay for my own credit check. 
What I believe The big three credit bureaus sold my information I believe Rocket Mortgage ( my current mortgage holder ) is engaged in predatory lending and aggressive tactics to sell unwanted products. 
I am " stuck '' with Rocket Mortgage due to them purchasing my mortgage note.

This is harrassment pure and simple.

Imagine a female putting up with this type of behavior by a suitor. 
Restraining orders and arrests would be warranted. 
I can do nothing but put my phone on do not disturb. 
I work with my hands, I can not have my phone ringing incessantly. I am not losing my job to these border line criminals.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CA)

Money Network Prepaid Debit Card, moneynetwork.comXXXX, refuses transfer of funds to my online checking banking account XXXX XXXX XXXX. Spoke with customer service employee named XXXX Tues XX/XX/XXXX @ XXXX @ XXXX PST who stated funds can only be transferred to bank that have physical buildings, no online banks, ie XXXX  or XXXX  or XXXX XXXX XXXX Cardholder Agreement policy does not state the exclusion in their policy. CA XXXX recently changed XXXX XXXX  from XXXX XXXX XXXX to Money Network as of XX/XX/XXXX. XXXX had no problem transferring funds to my online checking account XXXX XXXX XXXX as there is an routing & account # and participates in ACH bank transfer. Attempted money transfer XXXX days in a row with same error message. Attempted to transfer funds in an amount that is smaller than my account balance and error message still received.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 2024-07-07
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. (FL)

My name is XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.
Consumer complaint received 2024-07-08
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-10
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)

this account is not mine, i have never had an XXXX  account also my address are wrong i only live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PLEASE HELP MY INFORMATION WAS STOLEN - ACCOUNT - XXXX XXXX  - XXXX - NOT MINE
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-07-07
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. (NJ)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-10-01
Product: Credit 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: CITIBANK, N.A. (NY)

I'm writing to file a complaint that I was not being properly reimbursed for fraudulent charges posted to my Citi XXXX  card. 

I applied and was approved for the Citi XXXX  card on XX/XX/year>, a week after I was approved, I noticed XXXX charges totaling {$480.00} on the new card, dated from XX/XX/XXXX to XX/XX/XXXX, all of the transactions occurred before I activated the card. 

I called Citi immediately to report these transactions as fraud and were given temporary credits. However, upon checking recently, these investigations were marked as complete by Citi and the temporary credits were all reversed. I have called Citi fraud services at XXXX and they were unable to offer me an explanation or re-open the investigation. 

I do not have possession of the credit card, now or when the transactions occurred. I assume the card has been lost or stolen, which made the transactions fraudulent.
Consumer complaint received 2024-09-18
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. (NM)

On XX/XX/XXXX I made a phone call to TransUnion stating the accounts that were fraudulently on my credit report. In XX/XX/XXXX I filed a police report as well.
Consumer complaint received 2024-09-30
Product: Credit 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: WELLS FARGO & COMPANY (WA)

On XX/XX/year> I received a fraud detection email from Wells Fargo on my Credit Card. There were XXXX charges ( {$4300.00} & {$9500.00} ). They Approved the {$4300.00} charge but denied the {$9500.00} charge. I instantly reported both charges as fraudulent with Wells Fargo. 

I later found new inquiries on my credit report that I did not commit, as well as new mail from XXXX XXXX XXXX and XXXX XXXX XXXX. 

This prompted me to visit XXXX XXXX XXXX in person to find out that someone had stolen my identity and was trying to deposit Wells Fargo Credit Balance Checks into a newly created account. This credit union verified that this individual had my social security number, a WA state drivers license with all of my data ( name, address ) but with their picture. I promptly filed an identity theft affidavit with XXXX XXXX XXXX. 

I filed a FTC report after visiting XXXX. 

I then filed a police report on XX/XX/year> to report my findings with my credit report, the credit union activity and the Wells Fargo charges. 

After filing the police report, I visited XXXX XXXX XXXX to explain that this was a case of identity theft and that I did not open an account with them. They took the police report case number, FTC report number and my identification to file internally. I believe it is this institution where the individual tried to cash the {$4300.00} check. 

I also found out from XXXX and XXXX that this individual tried opening an account with XXXX XXXX XXXX ( which thankfully denied due to not being able to verify this individual ). 

I then started to receive mail from Wells Fargo that these charges are " authorized '' and their fraud department " verified '' that it was me to deposited these checks. I called them telling them that I had my identity stolen and that someone got hold of these checks. They asked me to fax them the police report, FTC report and a description of what happened. 

Today ( XX/XX/year> ), I received mail from Wells Fargo that once again says that these were authorized charges. I immediately called Wells Fargo only for them to say that I did not have my identity stolen and that their fraud department verified that it was me who cashed these checks.
Consumer complaint received 2024-09-04
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. (HI)

Request for Assistance in Resolving XXXX XXXX XXXX XXXX XXXX XXXX Case I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please refer to the attached Confirmation of Authorization ). XXXX XXXXXXXX XXXX XXXX has verified and determined that XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 22 U.S.C. 7102 ( 11 ) or XXXXXXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXXXXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX XXXX XXXX XXXX We have identified that XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate XXXX XXXX we've identified an issue with that XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of XXXX XXXX. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (PA)

I reviewed my credit report on XX/XX/XXXX and noticed these inquires were on my account 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 XXXXXX/XX/XXXX also this collection XXXX XXXX XXXX