davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. Please see attached documents for remedy solution.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MI)

3rd party debt collector purchased my debt from XXXX XXXXXXXX, I kindly thanked them for purchasing my debt and told them that my agreement was with XXXX XXXX and that my signature does not go on in perpituity. I have no such agreement with them and they purchased the debt from XXXX XXXX but are intent on trying to recoup their payment from me, and as a collection company are going to negatively report my non-payment to them on my credit report which I told them was illegal since they voluntarily purchased that debt. I am also sending them a notarized affidavit that States the following : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Notice to Agent is notice to Principle, Notice to Principle is notice to Agent : To Whom It may concern, I understand you are doing your job, and I do not wish to make it difficult for you. I want to thank you, for paying my debt for me, for as a 3rd party debt collector you purchased this debt and the original creditor closed the account. I have no agreement with you and my signature does not go on in perpetuity. This is a color of law issue so I must insist on being provided a wet ink autographed copy of any agreement between you and myself. I do not wish to take you to court, so I implore you to grant my request and provide me with the aforementioned document. I look forward to your response. If you can not provide me with aforementioned document, I request that you not slander my good name by making any adverse report to any and all credit reporting agencies or garnishing my wages which is theft. I also ask that you cease and desist with any further actions. 

Kind Regards, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio recovery association is reporting damaging information to my credit report. I ask the business to provide me with original contract with my signature showing that I owe that debt which the failed to do. This is also a collection account that is showing a past due amount which is against the FCRA law. I ask for this account to be remove from my credit report which they have failed to do. It is damaging my credit.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Previously filed with equifax identity theft. Account number was wrong. The account number has been corrected and moving forward if the negative items continue to be furnished on my report damages will be seeked with the help of the CFPB. Attached is my FTC report.
Consumer complaint received 2024-07-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Marlette Funding, LLC (FL)

I have a settlement with the loan company since last year, they still have not updated the amount on the credit report. I thought I had reached the amount to be paid, based on the statement, which I guess was a misunderstanding from my side. 

They placed a late payment on the credit report, but I thought I had already reached the amount to be paid. They are very messy and not organized nor I can get someone to help or assist.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

An unknown person and/or business fraudulently added my name without my permission as an authorized user on a CITI CARDS/CBNA credit card ( XXXX acct # XXXX ). The current balance is approximately {$12000.00} dollars. I called and reported this information together with fraudulent addresses listed on my credit report to all three credit bureaus. I also contacted CITI CARDS/CBNA ( XXXX ) to have this information removed. However, they did not have me listed on the above-mentioned account. 
It should be noted that the above account was removed by XXXX and XXXX, but XXXX dispute results stated the information was verified as accurate. THAT IS IMPOSSIBLE! I have NEVER authorized or given permission to anyone or any business to add my name as an authorized user on the above-mentioned account. Today, XX/XX/year>, I refilled a dispute with XXXX.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

XXXX XX/XX/year> i was sent a XXXX payment whom then i find out that the individual disputes the transaction after he willing knew he was sending to me for payment. and now my bank whom is suppose to be making me aware of this decides to tell that account will be on hold for the XXXX payment i received for the amount of {$180.00}. my account holds {$1300.00} dollars for my bills and i can not use them because of this dispute put against me.now ive mention to bank and person that id gladly send the XXXX because it first of the month and bills dont go a dispute HOLD they go to collections ASAP. please asist with this unpleasant experience.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

I filed complaint XXXX demanding to know why Citi raised the rate on my Home Depot Credit Card without cause.

Their response did not address my complaint at all, and instead was standard PR verbiage and a lawyer 's dodge to the actual problem. Their proposed " solution '' of rejecting the changes, per their letter on the change in terms, would've resulted in my account being closed. That is not a realistic solution, unless Citi wants to waive any outstanding balance on the card.

They changed my APR to the penalty APR, despite the fact that I have never been late, never missed a payment, and never paid interest because I always pay my balance in full or in compliance with the promo terms. The only reason supplied in the letter was using the " catch all '' clause to make any changes they want with 45 days notice, as required by the CARD Act of 2009. When I called demanding to know why my rate was being changed to the penalty APR, their customer service agent said it was a business decision affecting all card holders. 

When I received a letter in the mail with a promotional offer, and that promotional offer advertised a variable rate that my card used to have, it became very clear that the change did not affect all card holders, just me. 

As a XXXX XXXX  with a XXXX and a credit score over XXXX, again, I demand to know why my interest rate was changed. What is the business reason that you changed my interest rate, but not everyone else 's? From my stand point, it looks like you singled me out because I have done nothing in the card terms to warrant the penalty APR, and further you used a very generic clause with no reason provided to change my rate, which is discrimination on the basis of XXXX and XXXX XXXX. 

If you didn't single me out, then why are you advertising a rate structure that isn't offered? Does the Home Depot Card still offer a variable rate or not? If it does, then why did you change my card terms? If you don't discriminate, then what is the business reason that you change my interest rate and not everyone else 's? If it doesn't offer a variable rate, then why are you still advertising the card with a risk based lending rate structure?
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

Recently I took a trip on a cruise and they put a {$100.00} hold on my debit card on XX/XX/XXXX. The day I arrived back from the cruise, XX/XX/XXXX, XXXX had released the hold, and charged me for my final bill. I have asked CashApp if we could possibly remove the pending charge, as I have already paid the final bill. They told me to provide certain documentation from XXXX. I provided said documentation, and they said theres still nothing they can do. I showed them the documentation of the final bill that matches the charge on XX/XX/XXXX. I have contacted CashApp numerous times and instead of trying to help, they give me the same automated bot response. They simply do not care enough to act on this issue. The fact there is a pending charge from the XXXX of XXXX, 16 days now, leads me to believe this may be of ill intent
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mercury Financial Intermediate LLC (TX)

My XXXX XXXX credit card account has been closed due a bankruptcy placed on my account. My sister filed bankruptcy XX/XX/year> and her information has somehow landed on my credit report and this credit card account has been closed. 

I've contacted XXXX and spoken with them thrice. I do not feel competent that I'm being heard about the matter. No one will tell me which credit agency reported the bankruptcy so that I can speak with them nor will any of the credit agencies help me. 

I am not in bankruptcy, my sister is. My name is XXXX XXXX XXXX, her name is XXXX XXXX XXXX. Our social security numbers are identical save for the last XXXX digits. 

Please correct your bankruptcy department and restore my account.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have unauthorzied inquiries on my Transunion credit report. I called Transunion on XX/XX/XXXX to dispute the inquires. The inquires still remain on my credit report that I do not recognize. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2024-07-03
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: Bread Financial Holdings, Inc. (PA)

I am submitting this communication to Comenity Bank under the Provisions under FCRA 623 ( a ) ( 8 ) ( E ) .I am requesting once more the actual Date of Last Payments that you have on file regarding accounts ending in 7940. 
Again, I do not care that you sold this account that has nothing to do with the fact that I believe you may be complicit in RE-AGING this account and I find it hilarious that you continue to state the month and year in which you charged off the accounts. This is interesting because you refuse to provide XXXX that I requested. 
Since you state accounts belong to me but in all actuality they DO NOT. You say you charged off account then give me XXXX. 
Again, the Date of First Delinquency is what triggers the 7 year reporting period. I do not care when you say they were charged off. 
Under FCRA 623 you have 30 days to respond or I will take note of your illegal failure to reply in a timely manner and add that to my list of your violations that you have committed thus far. 
The basis of my dispute is that this account DOES NOT BELONG to me in the first place and is too old to be reporting DELETE It and or send the TRUE Date of Last Payment on account ending in XXXX that you alledgedly have on file.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SOFI TECHNOLOGIES, INC. (AL)

In early to mid XXXX, I was concerned I could someone was attempting to steal my identity ( long story short I had entered the wrong address in my SoFi profile and it was reported to credit agency ) so I contacted the security branch of sofi. They subsequently locked my account and login ability and will not give me any other information. I have since been unable to view my mortgage account and have spent hours on the phone trying to resolve this. My account has been frozen and no-one will try to resolve it. They literally tell me there is an investigation pending but will not tell me how long it will take to resolve or how it will be resolved despite telling them over and over it was due to an error on my part.
Consumer complaint received 2024-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing to formally dispute negative remarks on my credit report resulting from a data breach involving my Social Security number. My personal information was compromised, and as a result, fraudulent accounts and charges have been made in my name.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I originally had ticket # XXXX but you stated ticket closed due to wells Fargo stating account was fixed. I am beyond appalled and frustrated that they would continue to flat out lie. The accounts have not been resolved but rather they keep calling me because they cant figure out what they did. My funds have been frozen since XXXX. I have now spoken to 57 representatives and not one of them can account for what they did. I ended up incurring {$800.00} in overdraft charges. I am a single mother of two and I had to take a loan from my boss to open a new account with a different but WF does not understand that this set me back with all my bills. I really cant afford an attorney but there has to be something we could do we are going 2 months of waiting. Then for then to send that letter to you knowing the account is still open is past anything they have done. Please please I am asking could you please not give on my case.
Consumer complaint received 2024-07-03
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: Bread Financial Holdings, Inc. (TX)

The negative rating on my account is of great concern to me due to its impact on my credit. It has already led to a loan application rejection and higher interest rates on my current credit accounts. This situation is causing me considerable financial and emotional stress, which will persist until resolved.
Consumer complaint received 2024-07-03
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: World Acceptance Corporation (TX)

The negative rating on my account is of great concern to me due to its impact on my credit. It has already led to a loan application rejection and higher interest rates on my current credit accounts. This situation is causing me considerable financial and emotional stress, which will persist until resolved.
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-22
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. (GA)

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATARC om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. INEVER gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AL)

I had no choice in my loan being disbursed to Mohella from XXXX. Mohella is facing more legal problems than XXXX. 

XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXXXXXX 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
Consumer complaint received 2023-08-04
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. (MI)

I had an investigation with an account called XXXX done and this account is fraud and identity theft. I have not gotten help with this issue they are reporting it as verified but it is an account taken out in my name with my information not arising from me.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Account XXXX in the amount of {$1200.00} is being fraudulently reported on my credit report by Experian and XXXX. I have requested for validation of the debt as my identification has been falsely used for numerous accounts that I have not authorized. They have failed to provide me with a written validation of the debt after several requests and it is impacting my abilities to progress with my life. Either of the companies have been able to provide valid information that does that match up.
Consumer complaint received 2024-01-08
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. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.