davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (PR)

Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX  bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.
Consumer complaint received 2022-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Ive been a victim of identity theft I have not authorized no one to open a Bank of America credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

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 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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

On XX/XX/2023 my debit card information was stolen from XXXX and used to send a total of {$50.00} to a XXXX XXXX. I did not do it and I reported it immediately to chime. They did an investigation and determined no error occurred and won't give me my money back. I do not understand how they can deny my dispute when I didn't do it. They canceled my debit card and are sending me a new one but I want my {$50.00} back
Consumer complaint received 2024-05-17
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 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 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 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

Professional Account Management , LLC of XXXXXXXX XXXX sent me a notice of collection for an unpaid toll violation which occurred in error due to the failure of XXXX XXXX XXXX  sensor to detect my car 's toll pass. 

I sent certified mail within 30 days to the listed address ( with evidence of toll pass activity ) disputing the debt as is my right. Professional Account Management refused to accept the letter and returned it to sender, demonstrating willful blindness and failure to comply with state and federal consumer financial protection laws.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2024 RE : XXXX To Who It May Concern : This is my second time writing you to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Please delete all other addresses. I can not receive mail or any correspondences nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one stated above. 

15 USC 1681 a My only phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant of the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am not a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are completed to my contact information listed. My contact information as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX 15 U.S Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel. Insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S Code 1681 ( e ) - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law. Please make all corrected updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report immediately. 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (FL)

Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies XXXX XXXX XXXX XXXX XXXX XXXX CRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA XXXX XXXX XXXX XXXX  For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 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 2023-04-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc (CA)

I used Affirm to purchase items from XXXX and XXXX. Theys ere both returned and credited to the -original form of payment, Affirm. I had to send the credit recipes to Affirm six times because the kept losing the emails, so they say. I also included both the XXXX and XXXX return policies where it states that credit is issued to the original form of payment. Affirm refuses to credit me back, Affirm told me I did not need to pay the balances, which were minimal, {$40.00} for XXXX and {$29.00} for XXXX because they ere under dispute, everything else was paid by me to Affirm. Affirm never corrected this I paid the balances even though I did not need to, I have a XXXX balance with Affirm and they still refuse to correct this. I have everything documented and will be happy to send it to your email address upon request. I can not attach the email string as a document ; however I can forward the many, many emails to you if there is an email to do that. Please advise. Thanks
Consumer complaint received 2021-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (TN)

I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {$30000.00} under the guise that it was necessary. I am in possession of a " Retail Installment Sale Contract '' This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

I, XXXX XXXX requested an itemized statement XX/XX/XXXX in my initial complaint. 

This request was made due to previous notice ( s ) sent by Habitat for Humanity affiliate office XXXX XXXX County. 

I would like to clarify my request : I, XXXX XXXX would like an itemized statement for my mortgage account. This statement would include all deposits, credits, debts and fees assessed to my account. This statement would include all payments made in chronological order. This statement would have a balance ending in the current actual balance of the account as it is to date. I would also like to clarify my request to include all payments made from my escrow account disbursement. 

On the document received dated XX/XX/XXXX payments made are incorrect, notably payments made during XX/XX/XXXX through XX/XX/XXXX. All payments made from XX/XX/XXXX to date have been made by check form whether cashiers or personal minus payment for XX/XX/XXXX. 

I do not see the deductions from Taxes or insurance. The escrow disbursement history shows only HOA payments. 

I would also like to state that I XXXX XXXX have fully and abundantly exercised all contact methods with Habitat for Humanity International, its affiliate office XXXX XXXX County, and their Legal Representative in the matters of my account prior to my initial complaint XX/XX/XXXX.
Consumer complaint received 2022-12-13
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. (TX)

I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MRS BPO , LLC. ) XXXX XXXX XXXX XXXX : ( MRSBPO ) XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX U S DEPT OF ED/XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} US DEPARTMENT OF EDU XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$6700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$3000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

On and or about XXXX of XXXX  I was told by a Wells Fargo Speacilaist in the mortgage department my escrow would have a shortage of {$240.00} come the month of XX/XX/2023. I immediately sent an escrow payment of {$50.00} additional dollars ( XXXX - XXXX = XXXX ). Next, on my XXXX regularly scheduled mortgage payment I added an additional {$100.00} to regular scheduled XXXX escrow payment = XXXX. Again, an additional {$100.00} to escrow shortage, ( XXXX - XXXX = XXXX ). Next, I was sent the escrow analysis on XX/XX/2023 with projected figures for escrow for XXXX which states my escrow is short by {$240.00}? In addition on their ( Wells Fargo XXXX XXXX ) the {$340.00} I regularly pay has a skip month of XXXX in which the company backs out the {$340.00} each year? I confirmed this in my records from previous years and see that I have paid each XXXX  Escrow of {$340.00} each of the last XXXX years and Wells Fargo has backed out this payment annually to nowhere? The company calculates my escrow yearly as {$340.00} x XXXX = {$3800.00} yet I pay {$340.00} x XXXX = {$4100.00}. I called immediately to clarify as this would clearly means I'd have an overage of estimated escrow, {$340.00} - XXXX = {$250.00} overage! In explaing this to XXXX, employee # XXXX she simply stated, " that's when Wells Fargo zeros everything out for the escrow year, '' what? I requested a supervisor and XXXX hung up! I sent in similar said complaint to Wells Fargo for immediate recalculation and insertion of XXXX 's estimated {$340.00} and have had XXXX response. In addition I have on record XXXX additional years where {$340.00} has been backed out to nowhere?
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CFPB On XX/XX/XXXX I asked XXXX XXXX XXXX to provide proof of my responsibility of an account listed on my credit report. [ XXXX ] I then ( XX/XX/XXXX ) received a message from XXXX XXXX XXXX that they were a collection agency whom I have never done business with. [ XXXX ] The account is listed on my credit report as OPEN which is not only inaccurate but they have listed themselves as 2 separate entities on my credit report ( s ) appearing twice. Once as an OPEN account on Transunion and once again on XXXX with inconsistent Payment Statuses. [ SEE ATTACHED ] On XX/XX/XXXX I informed each of the credit reporting agencies ( XXXX, XXXX XXXX Transunion ) that they each are allowing an inaccurate listing on my credit report that is currently causing me ( and my family ) financial strife. They were all made aware that XXXX XXXX XXXX was reporting inaccurately each month and that they were verifying incorrectly. [ XXXX XXXX XXXX ] I was under the impression that everything listed on my credit report should be accurate, verifiable and timely. 
- XXXX XXXX XXXX ( or XXXX ) has no OPEN account with me yet they've listed themselves as OPEN on XXXX and XXXX - XXXX XXXX XXXX ( or XXXX ) has a DATE OPENED date as XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX yet which theyve been informed of. 
- XXXX XXXX XXXX ( or XXXX ) is inconsistently reporting varying data points on several of my credit reports. 

As a remedy XXXX XXXX XXXX should be disallowed from listed ANY account information on my credit report as they are inconsistent in their reporting across several credit reporting agencies. 

Please remove XXXX XXXX XXXX from ALL of my credit reports.