davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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)

Dear Experian, I am writing to inform you that I have recently become a victim of identity theft, as fraudulent inquiries have been made on my credit report without my knowledge or authorization. I have never made any inquiries to the following companies listed on my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> These inquiries are not legitimate and were made without my consent. I am deeply concerned about the potential impact these fraudulent activities may have on my credit score and financial well-being.

I kindly request that you investigate these fraudulent inquiries and take the necessary steps to remove them from my credit report as soon as possible. Additionally, I would appreciate your assistance in placing a fraud alert on my credit file to prevent any further unauthorized activities.

I have also taken the necessary steps to report this identity theft to the relevant authorities, and I am more than willing to provide any additional information or documentation that may be required to assist in your investigation.

I urge you to take swift action to rectify this situation and restore the integrity of my credit report. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

I called Target today to share that i was given less than a XXXXXXXX XXXX notice to vacate my home of 4 years. I live with my XXXX  parents and my daughter. 
I will be unable to pay XXXX due to unforeseen moving costs, downpayment, rent. And my mother is seeing a surgeon tomorrow to schedule an incisional hernia repair. 
I stated i do not want to destroy my credit since i need it in good standing to rent. 
They will not help with lowering monthly costs nor intetest fees. I have paid over {$1100.00} this year and have been charged {$810.00} in just interests. This account has been closed since last year dye to fraud to which they did not really resolve. 
Please help. Attached some proof. 
XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am writing to you regarding this debt with JEFFERSON CAPITAL SYST associated with my name. I am a member of the XXXX XXXX XXXX XXXX advocate I have recently become aware that this debt is appearing on my credit file from JEFFERSON CAPITAL SYST, which does not belong to me I have not by any chance, obtain or utilize any services or goods pertaining to this debt. I am here by demanding immediate deletion of this fraudulent Debt thats reported to my credit profile of in accurate information USC section 15 reporting to my credit profile it it is a defamation of inaccurate, information and character
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma (CA)

On XX/XX/year> I initiated a chargeback for account no. XXXX handled by credit karma money. It is a checking account and the dispute ID assigned is XXXX. The disputed charge originated from XXXX and the charge posted on XX/XX/year>. On XX/XX/year> I received correspondence from credit karma money rejecting the dispute on the ground that the merchant had issued a credit for the disputed transaction. That statement is false. 

I had XXXX transactions with the mentioned merchant, both for the same amounts, the most recent of which posted on XX/XX/year>. It is that charge that I was disputing. The merchant refunded the first charge, and no dispute was initiated as to that charge. However, merchant did not refund the second charge, which I was disputing. 

On XX/XX/year> I notified credit karma money that their reason for rejection was based on a false premise ( i.e., no refund had in fact been issued for the disputed charge ). Despite that, credit karma money continues to assert that a refund was issued and so have closed the dispute. Again, credit karma money is mistaken because while a refund was issued by the merchant that refund pertains to a charge that was not the subject of the instant dispute.
Consumer complaint received 2024-04-29
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. (KY)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE this fraudulent information from my credit report.
Consumer complaint received 2023-05-04
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. (NJ)

As per the Fair Credit Reporting Act, the credit bureaus must verify information with the original creditor and I have the right to an accurate credit report and any and all inaccuracy should be deleted. Transunion and XXXX have indicated that they have verified a bankruptcy with the original creditor which is the NJ Bankruptcy Court Reference number XXXX and Reference number XXXX however, I have attached several letters from the NJ Bankruptcy Court indicating that " they do not report or verify any information with the credit bureaus. This is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-29
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$360.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-17
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: Resurgent Capital Services L.P. (NV)

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) so therefore they are not reporting accuracy on my credit profile. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. They are violating my rights, my privacy and personal identity.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (PA)

I applied for an account using all of my consumer information at https : //www.netcredit.com then they quickly changed my password and locked me out of the account. No matter what I did they kept me locked out of it and completely ignored me
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (VA)

On Monday, XX/XX/XXXX, I visited the Wells Fargo location at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX to access my Personal Line of Credit. I have had this LOC since XXXX and have always been able to access it, take cash out, etc. I bank with another bank, however, Wells Fargo have always been able to get me a cashiers check or cash from LOC with no problem. 

At the branch today, the employee at the teller line had no clue what I was trying to do. The branch manager tried to help, took two forms of ID, and 20 minutes later, she told me she is not able to help me, I can not access my LOC at the branch and that I will need to call customer service to make a transfer. The manager didn't really want to help.. She could have called her back office line to see what to do, but rather refer me to an XXXX number. 

I called Customer Service, the gentleman was completely shocked that the branch couldn't help ... The rep said he is not able to help me as well and that the branch can help me get cash or a check. 

I am not shocked that this is how Wells Fargo operates, however, if you have a LOC, there needs to be systems in place for customers like me to access it, without having a checking account.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I had a collections added to my credit on XX/XX/XXXX by a company called Fair Collections and Out, address XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX. The amount owed was {$1100.00}. I settled the amount for less than owed in XX/XX/XXXX then filed for bankruptcy inXX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. After this, while checking the credit bureaus, I noticed that on my XXXX credit report this collection had not be removed from my credit report at the XXXX credit bureau but had been removed from both XXXX and XXXX. 
I disputed the collection through the XXXX website and got back a response from them saying that the collection was accurate and they did not remove it. I then contacted Fair Collections and Out and asked them to remove it and they refused. When I asked why I was told that they had no reason to remove it. I told them I have filed for Bankruptcy and that it had been discharged in XX/XX/XXXXXX/XX/XXXXbut they still claimed they had a right to report the collections on my credit reports. When I asked why, I was told that it was just the way it was done. 
I then contacted the law firm that I had used to help with my bankruptcy and they told me they were unable to help as they didn't deal with credit agencies. 
I am at a loss for what else I can do, this is negatively affecting my credit report still even though my bankruptcy was discharged.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I m trying to life a current credit Freeze from Experian. The information used to create the account and freeze my credit has changed The original request was from before 2000. In attempting to lift the freeze, I must change the password. To do that I have to receive a text/phone call to the number associated with the account, This number was a land line that has since been disconnected.

I have been navigating the customer support call-in but have been unable to resolve or even speak with a representative.

This is one of the last steps to complete a mortgage and the inability to resolve will cause financial harm.

There needs to be a regulation requiring the credit bureaus to have a number with which a consumer can speak directly with a customer service representative. The fine for offenses needs to be severe enough that the company will not ignore.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I lost my debit card on XX/XX/XXXX, but didnt realize til XX/XX/XXXX that it was lost. 

I called chime on XX/XX/XXXX and reported my card lost and disputed XXXX different transactions. 
Although XXXX were the only ones allowed to be processed because they werent pending anymore. 

The total for the XXXX transactions was XXXX for XXXX transactions XXXX to XXXX and XXXX to a XXXX XXXX 

These transactions happened without my knowledge and chime still denied my claim.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NC)

References CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX I received my response from the company and they are factually incorrect on a number of issues : - they have not acknowledged that the signature on the receipts is not mine and this is fraud. I have provided my passport and driving license to show my true signature- they would not provide me with the contact for service of process and denied this in their response. This was XX/XX/XXXX, XXXX ET on a recorded line - Amex left me one voicemail but I have called numerous times since and continue to be blanked and no one calls me back. Therefore, how am I supposed to resolve this almost a year on- There are multiple confirmations that this case is closed in my favor on a recorded line which they now seem to be backtracking on- they have requested a police report but my lawyer has advised me this is not a good approach since this is 10 months later. I did not report this originally as I believed it was some kind of error, not actually fraud and this did not come to light until months later. Amex never asked me for a police report initially and I believe this is not in good faith to deflect this by asking for this now when they know this is very tough to do almost a year later - Since Amex have never responded to my letters nor my attorney 's letters, I request that Amex provide a contact for my lawyer to get in touch and to provide a contact for service of process
Consumer complaint received 2024-06-17
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (FL)

XXXX XXXX XXXX XXXX, florida gave me a payroll card through Money Network. After one day of use I tried checking my balance on the Money Network app, and received a login error. I tried resetting my password and username and each time was told the account didn't exist. After trying for two hours to get ahold of customer support, I was finally answered, when I explained my situation they told me my account never existed and the that the card number I gave them which is printed on my card, was not a real card number. I asked to speak with a higher up and was hung up on. Today I went back to XXXX to request a new card and was turned away and terminated. I believe there is some sort of scam going on here.
Consumer complaint received 2024-05-21
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. (TX)

As per under Section 623 of the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and have removed immediately the following information in my file : This item XXXX XXXX  is inaccurate because of inconsistent reporting across all three credit bureaus. I am requesting that this be removed immediately for inaccurate reporting. I want a validation documentation with my wet signature on it, an actually hard copy signature from me with application, as I never ever applied for this. IF they cant provide this i want this removed immediately as they are violating my rights.
Consumer complaint received 2024-01-02
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)

I am writing to address a persistent issue regarding the account labeled " XXXX XXXX XXXX '' on my credit report, which has been repeatedly deleted and re-reported by Experian. This erroneous reporting is negatively impacting my credit, as the account does not belong to me, and I have not authorized its inclusion on my credit file. I must stress that the continued deletion and re-reporting of this account by Experian is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports. In this case, Experian 's actions are not in alignment with this requirement. Attached you will also find my ID as a proof of my Identity.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

I'm writing because upon checking my credit report I still notice accounts that are not authorized by me I have called and correspond with the credit companies i have disputed this several times before and they are continuing to report inaccurate information that violates the FDCPA when i am a victim of fraud lying saying that accounts are being verified which are not which is causing hardship to my livelihood that treats my reputation They had been reporting false information on a consumer report
Consumer complaint received 2024-05-21
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. (PA)

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report associated with XXXX XXXX XXXX XXXX  ( Account No : XXXX ). Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.