davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (AZ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Dear XXXX XXXX XXXX  and consumer reporting agencies, I hope this message finds you well. I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX  XXXX Account # XXXX my SSN is XXXX I also have another XXXX XXXX credit card account # XXXX. 

Upon reviewing the copies of my dispute submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. I only accidentally disputed the inquiry ( which was accidental. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Citi keeps decreasing my credit limit putting me in a place to be at 99 % utilization which is adversely impacting my credit score. They provide no advance notice and I feel this is unfair and deceptive because I cant avoid the impact on my credit score. I pay them on time ( excellent payment history ) and I try to keep my utilization low. This is not a good practice and if it wasnt going to further impact my score I would close this account. This appears to be a common practice for Citibank and needs to be investigated for the negative unavoidable impact this is having on customers. I will never open another product with this financial institution.
Consumer complaint received 2023-05-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MN)

Account opened in my name regarding a loan that I never opened, talked to the company they under stand that it was fraudulent, Ive taken several acting by disputing this report also making a police report linking my ssn to fraud. I also talked with my lawyer to help with this issue Account was open ( XXXX XXXX XXXX/dept ed ) Second account : XXXX dept ed XX/XX/2017 Amount, XXXX
Consumer complaint received 2024-05-15
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)

I called XXXX today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/year>, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/year>, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my Equifax report. It's not showing anywhere.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. EQUIFAX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.
Consumer complaint received 2024-05-13
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: NAVY FEDERAL CREDIT UNION (TX)

I am a single mom trying buy a house and i seen there are damaging information reporting on my credit report. According to the law 15 U.S.C 1681 there shouldn't be any damages on my credit report and that is deformation to my character.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2023-05-09
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. (LA)

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 2022-11-28
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, went to a resort for an excursion : jet skiing. After our excursion, I bought beverages : {$66.00}. Yes, had card in my possession that day, Thursday XXXX, XXXXXXXX XXXX 

On Friday XX/XX/2022, there were three ( 3 ) unauthorized charges of {$700.00} : total of XXXX. Wells Fargos claims the charges were made via chip ; meaning it was in my physically possession and authorized the charges. However, I made XXXX charges that day, Friday XX/XX/2022. I did NOT physically have the card in my possession. Going forward I did have the card. I believe my card information was stole the day of the beverage purchase or in my hotel the day the fraudulent charge was made. The card was at my hotel with all hotel personnel having access to my hotel room. I did NOT use and/or have my card in my possession XXXX, XX/XX/2022. I was out and about exploring.
Consumer complaint received 2024-05-16
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. (NY)

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

Credit Reported Date : XX/XX/2022 Company : XXXX Amount {$340.00} Date : XX/XX/2022 Collection agency Name : Sunrise Credit Service Sunrise Credit Service reported to my account that I have unpaid balance that they took over in collection that doesnt belong to me. I never even had that cable company in my name and its been reported as identity theft.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I noticed a Bankruptcy ( acct : XXXX ) on my credit report and disputed it with the credit bureaus in XXXX XXXX LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX of XXXX  asking that they verify the information. Being an XXXXXXXX  this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus equifax, XXXX and XXXX XXXX in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called XXXX, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring me.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2024-03-23
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: JPMORGAN CHASE & CO. (MA)

I rental a car in XXXX. Chase told me my credit card provided insurance. They sent me a letter proving this prior to my trip so I could show the rental company. The car was damaged in a parking lot while I was renting it. When I returned the car the rental company demanded a hold on the credit card for the estimated repairs of XXXX. They literally would not drive me to the airport ( XXXX miles away ) until I let them put a hold on the card. I almost missed my flight. 

The rental company told me they would email me the actual bill and final charge. They never did. I asked multiple times and they refused. I disputed the hold charge with Chase and they said it was valid, but they also said I can't file an insurance claim because I don't have an actual bill, just the hold charge. The rental company has no incentive to send me the actual bill because Chase is letting them keep the full hold XXXX.
Consumer complaint received 2024-08-28
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : XXXXXX/XX/XXXXXXXX. Opened XX/XX/year> Balance {$8000.00} XXXX XXXX. Opened XX/XX/year> Balance {$2200.00} -XX/XX/XXXX XXXX. XXXX XXXX Balance {$21000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MS)

After midnight On XXXX XXXX while I was sleeping a total of XXXX transactions were posted ti my cashapp account. The first XXXX attempts to withdraw my money failed. On the XXXX attempt my entire balance was instantly transferred to an unknown account. When I awoke and discovered my money was gone I immediately notified cash app of the unauthorized transa tions. They informed me they would investigate and resolve the matter. Several days later I was informed that my claim was being denied. They were supposed to send me documentation that they used to make their decision but only provided me with a letter showing that I had requested the funds be returned. They will not provide me with information on where the money was transferred to or whose account it ended up in although they maintain that they believe I initiated the transaction. I abided by the instructions provided in their terms of service and according to such terms should only be liable for the first {$50.00} lost if liable at all.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

I had called XXXX back in XX/XX/2022, because my phone was stolen and i asked for all of my services to be cut of to cancel everything & i would pay the early termination fees. I was told i would have to pay {$800.00}, im not sure how {$800.00} turned into around {$1700.00} i believe is what it says is in collections. I spoke with XXXX  and they said they were trying to get this resolved but it has never happened. Im planning on calling XXXX again and also the collection agency to see if anything can be resolved. I dont feel its fair that Im being told i only owed {$800.00} by XXXX now all of a sudden I owe around {$1700.00}. That makes no sense.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (GA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2015-11-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (OH)

In XXXX my ex-husband and I purchased our home. When we divorced in XXXX, as per our divorce agreement, I was responsible for the home and mortgage. I worked with the lender at that time, XXXX XXXX XXXX, and completed an Assumption of the Loan XXXX it was an FHA loan ). In XXXX of this year, XXXX, the loan was transferred/bought out by Nationstar Mortgage. Initially there were no issues, I received documentation only addressed to me with my current last name ( I remarried and legally changed my name in XXXX ). Suddenly, in XXXX, I am now receiving a mortgage statement in my old name and with my ex-husband 's name. The loan is also now showing up on my ex-husband 's credit report as a joint account, mine also. My ex-husband was able to contact Nationstar and get information on the mortgage account. When I contacted Nationstar they said the only way to remove my ex-husband would be to refinance. I explained the loan was only in my name and had XXXX XXXX XXXX re-fax the documents from XXXX when I assumed the loan in my name only, I also faxed them my current marriage certificate. Nationstar initially said they had never had my current name on file only my prior name even though I have documentation in my current name from them. They are currently telling me that I qualify to assume the loan or to refinance to have my ex-husband 's name removed. They are not recognizing the Assumption I completed in XXXX and will not change their records. Customer service told me there was nothing they could do to help me.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-15
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)

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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

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 2024-05-15
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: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX