davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (CT)

I seen the collection appear on my credit report. I called the company verbally requested proof and sent an a debt validation letter. I received some type of medical coding that gives me no number to contact the medical billing department. I am unable to find a number to call the hospital as they have merged with another company. I am XXXX per XXXX and have full medical coverage. I have been to the hospital before and after the date listed and have had no issues. I contacted my health insurance and they have no bill submitted at that time for medical care.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

A " friend '' stole my phone, and because knew my pin number ( he must have seen me tap it, because i didn't volunteer that information ), he was able to send himself {$240.00} without my permission. He then proceeded to change the email associated with my account and my pin. ( The disputed transaction is included in my attachments and has the following timestamp : XX/XX/year> at XXXX XXXX )
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1400.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ''
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 i sent XXXX XXXX account # XXXX, certified mail tracking # XXXX XXXX XXXX XXXX XXXX to validate this alleged debt * they failed to respond with anything back via mail call or email. Neither did they enter the notice of dispute on my consumer report This is a violation of FCRA Section 623 ( a ) ( 3 ) which states If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

Also i never gave XXXX XXXX  to report this account on my consumer report this is a violation of my right to privacy which is law 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also i never gave them written instructions to furnish this account which is another violation of law 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 Pictures and supporting documents below where no notice of dispute was entered
Consumer complaint received 2023-03-14
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: Resurgent Capital Services L.P. (CA)

In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602A. 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.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX and XXXX XXXX XXXX 

According to FCRA XXXX XXXX ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove are hurting my ability to obtain credit. 

XXXX XXXX XXXX Date XX/XX/year> {$300.00} XXXX XXXX XXXX Date : XX/XX/year> {$3100.00}
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
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. (AZ)

Im submitting a complaint to the credit Bureaus today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-05
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. (IL)

On XX/XX/year> a transaction of {$410.00} was made to a merchant by the name of XXXX XXXX. 
Also on XX/XX/year> a trasaction of {$140.00} was made to see tickets. 

Both of these transactions were unauthorized transactions as I had lost my card. Both of these transactions were disputed after I realized my card had gone missing. The money was given to my account by chase temporarily however chase is now stating that I made these transactions and are taking both {$410.00} and {$140.00} from my account again. I did not approve this transactions. However chase is not helping to understand this or guiding me to appeal this.
Consumer complaint received 2024-05-10
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-02-07
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: SYNCHRONY FINANCIAL (LA)

I bought a refrigerator from Lowe 's in XXXX of XXXX. I made the huge mistake of getting a Lowe 's credit card in order to take advantage of the 5 % discount. Never again. 

The refrigerator was defective and made a sound like a bone breaking when I opened one of the doors. I paid the bill in full before the end of the month, and I waited for a couple of weeks to make sure the horrible noise wouldn't just go away with use. It did not. 

I went to the store in XX/XX/XXXX and asked them to swap it out. That put into motion the biggest ordering-delivering-accounting snarl I've ever encountered. Instead of just swapping out the refrigerator, they required me to order a second one because " they couldn't show 2 refrigerators out of inventory at the same time. '' It's hard to believe they had not encountered this situation before -- do they really always require a person to buy a 2nd refrigerator when the 1st one is defective? I ended up returning the 2nd refrigerator also, because it had a loud high-pitched whine. I ordered a 3rd refrigerator of a different brand, but before it could be delivered and the 2nd one taken away, Lowe 's called or emailed me to tell me it was not in inventory. I was completely disgusted by the whole mess and the HOURS AND HOURS I'd had to spend to try to straighten it out. I made many, many phone calls and at least 5 trips to the store. I gave up and bought a refrigerator from XXXX XXXX. I called Lowe 's and had them pick up the 2nd refrigerator on XX/XX/XXXX. After that, I DID AND DO NOT HAVE A SINGLE REFRIGERATOR FROM LOWE 'S. I also destroyed my Lowe 's credit card and will never buy anything from them again. 

The snarl was so tangled that at one point they showed I owed them for 4 refrigerators. Lowe 's told me they couldn't straighten it out and I would have to contact Synchrony Bank. 

After requiring me to spend many more hours writing, calling, and faxing letters, Synchrony investigated and decided in my favor. I received a check from Lowe 's for the amount I had paid for the 1st refrigerator in XX/XX/XXXX. It seemed the horrible ordeal of dealing with them was over. 

That, however, was not the case. After some time, Synchrony somehow forgot about their decision and started trying to collect money from me again. They again put lots of false information on my credit report. I told them on XX/XX/XXXX in a letter, which I both faxed and sent through USPS mail, that I would not contact them again ever, but if my credit report were not straightened out and all adverse events on it removed, I would contact CFPB. 

Their records and my credit report are still mangled. Synchrony has begun phoning and mailing me again. I ask for your help to end this horrible ordeal and restore my credit reporting.
Consumer complaint received 2024-05-09
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. (TX)

XXXX XXXX account number XXXX claim I made a late payment which in XXXX. I have disputed this twice because they have not been able to provide accurate documentation to prove how much I owed at the time of lateness and which month exactly I was 30 days late. They also report different months of lateness to all 3 credit bureaus as showed in the attached document. They report a follows : XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX : XX/XX/year> XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX REPORTED XX/XX/XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ACCOUNT OPENED XX/XX/XXXX BALANCE OWED : {$3200.00} THIS ACCOUNT DOES NOT/ HAS NOT BELONGED TO ME. THIS DEBT BELONGED TO A FAMILY MEMBER. HOWEVER THIS INFORMATION WAS PUT ON MY REPORT WAS NOT AUTHORIZED NOR WAS I AWARE OF THE OPENING OF THIS ACCOUNT
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Alley Bank has been " investigating " my account for three weeks. They have given me no information about what they are investigating or a time to finish. I have no access to my account or money. I want to close the account
Consumer complaint received 2024-06-07
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: DISCOVER BANK (PA)

DISCOVER BANK is reporting on all three credit companies. I do not check my credit often and was unaware of the negative reporting and damaged it has done to my account I am unable to obtain things in my name creating a reality of me XXXX in XXXXXXXX and debt i did not collect. I am requesting for the account to be removed in accordance of the law from all three companions
Consumer complaint received 2024-04-16
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. (SC)

I wrote XXXX XXXX to let them know that they were sharing my nonpublic personal information with an unaffiliated 3rd party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.
Consumer complaint received 2024-06-18
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. (GA)

I am a victim of identity theft where an XXXXXXXX XXXX XXXX was opened without my consent nor knowledge. I have submitted an FTC report and a police report regarding this matter. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, any information resulting from identity theft, including fraudulently opened accounts, must be promptly blocked from appearing on my consumer report!
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I have a really bad experience with discover I have issues with XXXX things XXXX I received a request from discover to send my irs XXXX returns through XXXX XXXX I told them I dont have them. Because in the email it said to call them if I havent filed taxes. I was told to submit the form anyway. I kept on calling them to see if the restriction has been lifted. They proceeded to cancel my account without reaching out to me and told me to just open a new account and go through the whole process again. They refused to tell me the reason why they canceled my account I had to call them 7 times just to get the reason. It was cause i had not filed taxes. 

XXXX I asked them to refund my security deposit of XXXX dollars they told me I have to wait 3 months to get my money back. I told them I couldnt wait that long and it would financially constraint me as Im currently unemployed. They said they are going expedite it through ach and Ill see my money in my account in 14 days. I called them a couple of days back for a status update they said they dont know and they cant tell me and I should see my money in a couple of days. 
I called them again today now they are telling me I have to wait 3 months to get my money.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (CA)

We put an offer for an investment property in Texas back in XXXX. The deal was supposed to close on XXXX XX/XX/year>. We went through Wells Fargo for mortgage. The bank asked for an extension for XXXX XXXX which the seller agreed. XXXX XXXX afternoon ( Friday before long weekend ), the lender emailed us that we will be able to close on XXXX XXXX, 2024. Now on XXXX XXXX, 2024 ( Tuesday ) morning, the lender dropped a bomb that the Closing Disclosures didn't go out yet so the closing wouldn't be possible before XXXX XXXX, XXXX Wells fargo asked us to request sellers for one more extension which the sellers denied.

The seller decided to terminate the contract and take the house off market. In this whole mess, we would lose about $ XXXX ( misc of XXXX, appraisal fee, inspection fee, credit check fee, property management, home warranty, insurance, etc ). We are trying to recover some of the loss but we would still lose $ XXXX in non refundable fees. 
We as buyers did everything on time and still are the only ones who would be at loss for no fault of ours. 
Can you please help us recover our loss from Wells Fargo for the delay? 

We have the following proofs : XXXX ) The last email on Friday ( XX/XX/year> ) from lender confirming the XXXX close date XXXX ) Email on Tuesday morning that they cant close before XXXX XXXX, 2024
Consumer complaint received 2024-08-17
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. (GA)

To whom it may concern, it has come to my attention that there has been a data breach XX/XX/2024 where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX  ( XXXX XXXX XXXX XXXX ). According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.