davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

The Social Security Administration declared me deceased accidentally. On XX/XX/year>, I went to the social security office and showed proof of life and was given a letter stating they made a clerical error. XXXX XXXX XXXX XXXX XXXX XXXX  and my credit and health insurance has been cut off. 
Meaning I could go into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have no insurance or be able to sign the XXXX XXXX because I don't exist!!! Additionally, my husband and I lost a house we were closing on because I am dead and have no active credit for a loan. This has greatly negatively impacted my life and the health of my XXXX XXXX. I need this resolved immediately as I could go into XXXX XXXX XXXX and I am unable to get a house because my amazing credit score no longer exist because of a SSA clerical mistake I did not make or deserve.
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (CA)

Lightstream who is part of Truist Bank has completely neglected requests for removal of a fraudulent account that came as a result of identity theft. I have asked Lightstream/Truist on 4 different occasions, via certified mail with return receipts to record all of our interactions dating back to XXXX of 2022, to remove the account from my personal name & credit report & to stop fraudulently collecting on a account that is not mine & or lawfully validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 ( g ). 

Lightstream/Truist is in direct violation of Federal Law 15 U.S Code 1692 ( g ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor. 
4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and Lightstream, that proves I agreed to pay the alleged amount.

5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is Lightstream/Truist 's obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has Lightstream/Truist not lawfully validated  the debt but they have continued to fraudulently collect & report the fraud. 

Lightstream did not validate this debt under the FDCPA laws & I demand them to remove this fraudulent account from my credit report as it is continuing to harm my well being.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (MD)

XX/XX/2024 I called Barclay customer service. I explained I have an inactive account and wish any personal data retained on file to be deleted. The representative kept repeating the same comments over and over that my account was closed. After XXXX minutes she finally comprehended any put me on hold ; within seconds the call was terminated. 
XXXX I called the XXXX and followed the prompts to the fraud/security dept. Again I explain, " I am requesting my personal information to be purged. I do not wish my info to be retained. My info has already been involved in a data leak from another financial institution that I no longer engaged in their services. '' Barclay Rep replied, it is not their policy.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Acceptance Corp (TX)

Sale contract from Merchant Acceptance has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet XXXX and XXXX continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was 3years for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? Merchant Acceptance has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and Merchants has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer reports and I noticed that I had 2 late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX of XXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-29
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. (IN)

This CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  I XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

On XX/XX/2023, XXXX XXXX  XXXX in XXXX, MN. XXXX XXXX XXXX XXXX  until XX/XX/2023. XXXX XXXX XXXX XXXX XXXXl, on XX/XX/2023, I contacted Chime XXXX XXXX to find out how I could change my phone number in order to log in to my account. The XXXX police had possession of my phone linked to my Chime account. I discovered that my account had been drained of all funds and my balance was - {$35.00}. I filed a dispute with Chime XXXX XXXX. I informed Chime XXXX XXXX that I would provide documentation that I could not have made these purchases, as XXXX XXXX XXXX during this period. I provided Chime XXXX XXXX with : ( 1 ) a letter from my XXXX XXXX stating XXXX XXXX XXXX  during this period ; ( 2 ) court records indicating my XXXX XXXX XXXX dates; and ( 3 ) text messages from the person responsible for the charges apologizing for the fraud. Chime XXXX XXXX denied my dispute again. 

I received an email a few days later from Chime XXXX XXXX advertising XXXX 's Zero-Liability policy regarding fraudulent activity. It stated that the customer should contact the issuer. In this case, this was XXXX XXXX 

I contacted XXXX XXXX  and notified them of the facts above and provided all the proof referenced. XXXX XXXX  responded and stated that Chime XXXX XXXX had done an investigation and concluded that because I had made purchases at this merchant before that I was responsible for the fraudulent activity. 

I responded to XXXX XXXX  and stated that the rationale was arbitrary and capricious. If the fraudulent activity had occurred at XXXX 's, would they deny my dispute because I had used my card at XXXX 's before? Their rationale is illogical. I am awaiting a response from that reply to XXXX XXXX.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-01
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B
Consumer complaint received 2023-03-05
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)

U.S. Small Business Administration ( SBA ) dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 I am concerned about the impact of these hard inquiries on my credit score and would appreciate any advice or guidance you may have on how to minimize their impact. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (UT)

I reviewed my credit report and noticed an account for XXXX XXXX that I did not recognize. I contacted XXXX, and they referred me back to XXXX XXXX. After speaking with XXXX XXXX, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Consumer complaint received 2024-03-29
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: FIRST HORIZON BANK (TX)

I have been attempting to get my XXXX XXXX from my mortgage lender ( XXXX XXXX XXXX ) corrected for the past 2 months. The 1098 incorrectly states that I paid {$XXXX.00} in interest for my home mortgage in XXXX. My XX/XX/XXXX statement shows that I have paid {$XXXX.00} in interest. I contacted my lender 's customer service on XX/XX/XXXX and was told they would look into this and request a correction. However, I received no correction and no follow up. I called them back on XX/XX/XXXX and was told that the reason the interest on my XXXX XXXX was incorrectly low was because they had sent me an incorrectly high XXXX for XXXX. 
I received XXXX, XXXX XXXX from my lender and they all showed different amounts of interest paid. The first was sent on XX/XX/XXXX with an interest paid amount of {$XXXX.00}. The second was sent on XX/XX/XXXX with an interest paid amount of {$XXXX.00}. The third was sent on XX/XX/XXXX with an interest paid amount of {$XXXX00}. Because the first was the only one of these forms that arrived before tax day ( XX/XX/XXXX ), this is the one I reported on my XXXX taxes. 
I explained this to XXXX XXXX Customer Service and was told to submit a copy of the page from my XXXX taxes showing the interest I claimed. I sent this to their research department along with a copy of my 1098 from my previous lender ( XXXX  ) showing how much interest I had paid them before I refinanced the mortgage in XXXX of XXXX ( {$XXXX.00} ). I did not hear back in the next month, so I began contacting XXXX XXXX again, only to be told that their research department had concluded that no correction was warranted. I have repeatedly asked to be called by someone in their research department so we can walk through the numbers and either I can understand what they're doing, or they can understand the mistake they've made and correct my 1098. I have never received a call back from XXXX XXXX bank in the two months I've been working on this problem and their research department seems to only send out form letters saying that no correction is warranted. 
Please help. I am trying to resolve this issue before my taxes are due in XXXX.
Consumer complaint received 2023-03-30
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: SANTANDER HOLDINGS USA, INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose
Consumer complaint received 2023-04-20
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. (NY)

I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. Thank you. 
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 2023-09-21
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. (FL)

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & 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 It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, Midland Funding continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Consumer complaint received 2024-04-08
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. (PR)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE FRAUDELENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT AS IT IS HURTING MY ABILITY TO GET CREDIT
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found a delinquent account for the company below : Capital One XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my paid in full statement. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All of the consumer reporting agencies such as XXXX and XXXX are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent two certified letters to the bureau requesting that undeliverable addresses be removed from my report, to no avail. In response, I received two emails stating that the letters appeared to have not been authorized by me and that as a result, no action would be taken. The letters included copies of my driver 's license, social security card, and proof of address. In addition, my name is incorrect, which should have been corrected having my supporting documents.