davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

. I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with Synchrony/Care Credit. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX  as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (WA)

Loan appeared on my Equifax report an account had been opened for a car loan with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted XXXX XXXX on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with Equifax on XX/XX/XXXX. Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called XXXX XXXX again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account Equifax is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with Equifax dispute # XXXX and informed them again of my attempts to dispute with XXXX XXXX. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.
Consumer complaint received 2024-07-09
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. (IN)

On XXXX XXXX, I disputed the inclusion of the XXXX XXXX XXXX account on my credit file. I had no prior business relationship or contractual agreement with XXXX XXXX XXXX. The FCRA requires credit reporting agencies to remove inaccurate, incomplete, or unverifiable information. As Equifax did an investigation, I requested documentation of the investigation process. I did not received any documents from Equifax, which is a violation of my rights. Therefore, by FCRA law. The disputed account SHALL be removed promptly. The consumer reporting agency have assumed the vital role of having the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments with XXXX XXXX. I requested proof with statements showing these late payments from Equifax.I never received any documents relating to XXXX XXXX. In accordance to the FCRA, these accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681.15 USC 1681 Section 604, Section 2 states that a consumer reporting agency can not furnish my account without my written instructions. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

CFPB, at this point I can not obtain any mortgage loans because of this XXXX XXXX XXXX  account. It seems to me it doesn't matter if you settle/payoff accounts no one wants to do the right thing by helping other Consumers like myself.
Consumer complaint received 2024-07-20
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: JPMORGAN CHASE & CO. (IN)

i closed my checking account with chase bank that had a {$0.00} balance. i received a bank printed check for the balance and this account was closed! several months later i receive a letter stating my account is negative {$800.00}, well somehow my ssi payment was being direct deposited and this payment which was not stated in my name as im just a representative payee was fraudulently illegally cashed by the corporation and these fees that were made up and came out of nowhere of the {$800.00} was taken out out of this check that was legally cashed by the company. I have called customer support maybe 10 times and wanted answers and the money back and I was rudely hung up on and harassed and called names by the customer service representatives which they failed to give any information name, wise and department, wise and numbers, etc. so one person tells me that they applied this to the account good luck recoup in it and take it how it is is what I was told another person told me that there was only a negative balance of {$400.00} and they still applied the XXXX transaction legally and would send me a check for the remaining balance which they never did and then another person tells me that there is no negative balance. The deposit was rejected and sent back to the government, which is also a lie because Ive spoke with the Social Security administration offices, and they have told me that this check or direct deposit has been initiated and cashed in transferred into their accounts, which is a felony theft that they have Acted upon, and upon being called names, numerous names, and the hatred in the customer service department for not knowing how to do their job I want to prosecute to the fullest extent of the law
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (SC)

I have messaged the bank Juno about not being able to access funds at all. Their response is their parent bank XXXX XXXX  and trust is having issues where they arent allowing any money in or out of their banking platforms. At this point all I want is a paper check for the full amount that is in my account.
Consumer complaint received 2024-09-05
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-23
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: WHEELS FINANCIAL GROUP, LLC. (OH)

I did not give permission or authorization to open my credit report to XXXX  or XXXX XXXXIve filed identity theft reports and frozen my XXXX account to prevent fraudulent activities.Ive added black web sweep for extra security..I disputed with XXXX credit breua and let them know I didnt recognize companies or give anyone permission or authorization to use my information and I asked to be removed immediately because it hurting my credit score negatively I also noticed a address on my file that I dont recognize XXXX XXXX XXXX XXXX, OH XXXX witch I disputed with XXXX also that I want removed immediately also
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

There was a Capital One account that was opened XXXX of XXXX on my credit report that Im not familiar with. It shows that the account was closed in XXXX of XXXX and XXXX months have occurred charges. Theres an {$1100.00} out of {$750.00} credit limit. I would need for them to send me additional documents to show my signature and date from when the agreement was signed and removed from my credit report.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

They Discriminated on me Via contract agreement, by Denying I my unalienable rights to my benefits, and Titles as I examined the DISHONESTY thru out the XXXX years, I addressed it with honor XXXX transparency, and the outcome is ( repossession vehicles assignment...
Consumer complaint received 2024-05-23
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

I purchased a money order to pay a loan, the money order was returned by XXXX uncashed. I requested a refund online for the money order and the request was successful. Moneygram charged to get the refund within one week, this was from XX/XX/year>, it is now XXXX. I have sent multiple emails, and have submitted multiple tickets online from their website, I still have not heard back. I have called the number that their auto generated system emailed me to call, the number had no options to speak with a live person, neither did it have an option to submit any request tailored to attaining a refund that I have not already done. The refund amount is {$500.00}.
Consumer complaint received 2024-05-22
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: TRUIST FINANCIAL CORPORATION (TN)

I have not used my Truist XXXX since XX/XX/XXXX, which I paid in full on XX/XX/XXXX. I have never used the card since. Fraudulent charges appeared on my account on XX/XX/XXXX. I opened a fraud report with Truist fraud department that same day, Truist case number XXXX. Since then, Truist has failed to investigate the fraudulent activity. My monthly statement does not show a dispute or fraud claim was made. They have now added interest and late charges on top of the charges I did not make. Yesterday XX/XX/XXXX I was called by Truist 's collection department. Despite telling the agent that the charges were in a fraud complaint, the agent continued to demand I pay the balance. I believe Truist is attempting to defraud me by pressuring me into paying something I do not owe. They should never have allowed the fraudulent charges to post to my account in the first place.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

I have received a record mailed from your company, Early Warning addressed XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, on XX/XX/year> with two letters written on XX/XX/year> and XX/XX/year> regarding the XXXXXXXX XXXX  accounts ending XXXX and XXXX. I compared with another record mailed on XX/XX/year>. I found out the record of XXXXXXXX XXXX which was in the previous record mailed on XX/XX/year> had disappeared from the record mailed on XX/XX/year>. I am not sure whether you have omitted this part from the recent one. Since this account is meant a joint account of my husband, XXXX XXXX and, I, XXXX XXXX, both residing at the same address mentioned above. I prefer not to omit this part, since legally I have the right to use and receive everything after his death. I expect the reason why you deleted this joint account which meant it is mine. I request you will re-do this entire record and send the modified XXXX to me again. Regarding the account number XXXX of the XXXXXXXX XXXX, which you deleted from the previous record, since I do not remember myself whether I had this account itself, it is fine to omit most likely ; however, I wish you will explain me the reason why it was in the previous record. Also, the section of XXXX XXXX XXXX in this recent version has discrepancy with the last one. I will request the explanation of this discrepancy in written form. Also, I received another letter prepared on XX/XX/year> written about the XXXX XXXX  XXXX account ending XXXX. Since I have requested the explanations in written form, I do not want you delete any account, including this account ending XXXX, since all the XXXX XXXX XXXXXXXX accounts belong to me.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (AL)

Rental Automated Debt Collection placed an account on my credit report for {$8600.00}. Ive never received no type of communication from them and Ive explained to them that this isnt my debt. Rep on the phone already told me it was inaccurate information and still will not remove the debt from my credit report. I was told by the rep that they dont have to remove anything from the credit report even if its paid. Also proof of that is on several of there reviews. Theyre also not licensed to report anything on my credit report in the state i reside in.
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 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 2024-05-22
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. (IL)

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. It 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!

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 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 items of information, other than records of convictions of crimes which antidotes 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (VA)

On XXXX XXXX XXXX, Medical Data Systems sent me a settlement offer giving me the opportunity to pay 50 % of the original amount owed ( {$2500.00} ) by XXXX XXXX XXXX ( see Attachment 1 ). However, the date of XXXX XXXX XXXX  has not come to pass and they now are demanding the original amount ( {$2500.00} ) countering their original offer.

I understand that their offer is binding and they can not go back on this offer or continue harrassing me about this amount owed. I already called Medical Data Systems on this past Friday ( XXXX XXXX XXXX  ) and informed them that I will be accepting the offer, however, they have countered their own offer and this is unacceptable. Please see attached for the settlement offer letter ( XXXX XXXX XXXX XXXX  ) and the most recent letter sent to me ( XXXX XXXX XXXX XXXX ).
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: EQUIFAX, INC. (MS)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to Transunion, XXXX and XXXX. I need this loan to report XXXX on my credit report as soon as possible.
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: EQUIFAX, INC. (IN)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.