davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (OH)

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sanders, Ranck & Skilling, P.C. (GA)

In XXXX, I was scammed into signing a car loan agreement. At the end of XXXX, I received a letter from a debt collector saying we are trying to collect a debt you owe to XXXX XXXX XXXX XXXX XXXX XXXX We will use any information you give us to help collect debt. So I called them and talked to them. Then in XXXX a deputy came to my address and served me and I had to file with the clerk of the state court and serve the plaintiff 's attorney. I was served on XX/XX/XXXX. So I reported my identity theft to the police and even went to the DMV 's website to see if there was a car in my name. My MVR report shows me that there is no car or driving history in the state of Georgia in my name. And I updated the debt collector to let them know and the debt collector told me I would still have to sign the writ of possession.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been on my credit report.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did a balance transfer with XXXXcomenity bank for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need ou need to get a hold of comenity bank NOT XXXX XXXXXXXX again the bank is comenity bank phone number is XXXX address is XXXX XXXX XXXX XXXX OH XXXX comenity bank has the account information XXXX XXXX does not comenity is the only bank that can help you they have the information you need it was b4 they switched over please help me
Consumer complaint received 2024-05-09
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: CITIBANK, N.A. (CA)

My credit card was used for over {$1600.00} in charges from multiple stores that Ive never even been too in my life. I told the credit card company that last I used my card was at a XXXX XXXX XXXX  and then from there for multiple days there were charges at many places that Ive never been too. I believe my credit card was copied because I still have the physical card in my possession. I filed the dispute and after about XXXX weeks of their investigation they told me it was my fault since I still have the credit card in my possession. I tried to talk to someone higher than the dispute customer service but they wont let me. One told me they would reopen my case. Another said that there is nothing I could do. The third time I called they said I could email Citi and ask for my case to be reopened ( which I did and did not hear back ).
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is my THIRD WRITTEN DISPUTE to Experian to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : 30 Days Past Due on XXXX XXXX, 60 Days Past Due on XX/XX/2021 and 90 Days Past Due on XX/XX/2021. I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. Due to the COVID-19 pandemic, on XXXX XXXX, First Investors Servicing XXXX XXXX an accommodation to my original loan contract with respect to lower 6 payments XXXX XXXX  through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through today. In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Consumer complaint received 2023-07-17
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XXXX, I received a call from my bank, Wells Fargo. I answered it since that is what appeared on my caller id. The rep, XXXX said he was calling from the fraud department to validate 2 XXXX transactions that they flagged. He said one was for {$990.00} and the other was {$490.00}. He asked if I knew the person, XXXX XXXX with a phone number of XXXX or XXXX. When I said no he then said he needed to get me transferred to XXXX so they can process the cancellation of these transfers he said I would need to provide them with the cancel codes XXXX and XXXX. When he transferred me, the rep said the manager handling the cancellation is XXXX XXXX and then walked me through how to submit the cancel codes through XXXX. After he walked me through the first cancel code, I saw the amount of {$990.00} removed from my account. He then said not to worry, once XXXX finishes the cancellation, it would be deposited right back. He came back on the line and said it would be another 3-5 minutes so he would call me back once it was completed. After about 30 minutes, I got worried and called Wells Fargo back, that is when them told me they did not call me and that it was a scam and the scammers have a way to mirror the bank name and phone number. Wells Fargo then said they closed my fraud claim and had to open a claim with the institution that received my funds and if they return the funds, they will give me my money back. But that doesnt help me with the bills that are supposed to go through.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

XX/XX/2024 Dear Sir or Madam : I am a victim of identity theft. My personal information was used to open an account at your company. I did not open or authorize the accounts, and I therefore request that it be closed immediately.

This is to address the issue surround the identity theft. There was period, when a real estate company acquired my information and somehow allowed my identity to be compromised by people in their company. Also, during this time I banked with XXXX XXXX. Needless to say, someone in their banking systems worked with this same real estate company. They were able to duplicate debit cards with the exact numbers of the one that I used daily. When discovered that my identity was stolen, not only was my money depleted but I discovered that my money had been transferred to another bank and several accounts were set up in my name. 
In order to try and resolve situation, I brought everything to XXXX XXXX attention. Once they realize the situation at hand they stop talking to me. At this point I had to get a lawyer and proceed with retrieving my money. It never was completely resolved and XXXX XXXX never did and provisional credit. Even after proceeds went forth, still never completely gave me back all my money that was stolen. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NV)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX ....
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my reports I have inquiries from XXXX XXXX XXXX  I have no account with XXXX XXXX XXXX  nor am I seeking one nor is the one open in my name I am asking to have this removed from all reporting agencies
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Subject : Unjust Reappearance of Disputed Account on Credit Report : Violation of Consumer Rights I hope this message finds you well. I am writing to bring to your attention a persisting issue regarding an account that has been previously disputed and rightfully removed from my credit report. Despite following the due process and having this account removed, it continues to resurface on my credit report, which I believe is a direct violation of my consumer rights. 

Upon discovering this account, I immediately took the necessary steps to dispute its accuracy and relevance to my credit history. Through the proper channels and documentation provided, the account was rightfully removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

However, to my dismay, this account has reappeared, causing undue stress and concern regarding my creditworthiness and financial standing. This recurrent reappearance not only undermines the established dispute resolution but also disrupts the integrity of my credit profile. 

I am writing to request a thorough investigation into this matter and seek your assistance in rectifying this recurring issue. It is crucial to uphold the principles outlined in the FCRA that safeguard consumer rights, ensuring accuracy and fairness in credit reporting. 

Thank you for your time and anticipated assistance in addressing this issue. I look forward to a prompt resolution.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

On XX/XX/2024 I received an unsolicited email informing me that I needed to finish my account set up, The emails progressed to today 's message stating that I will receiving a debit card in the mail.

*The Banking institution identified in the fine print is XXXX XXXXXXXX XXXX XXXX  XXXX 
I have no such account, I went to the Chime.com site and chose 'forgot password ', to see what information would come up. It showed me the last 4 digits of my cell number. I forwarded the messages to XXXX which sent me auto replies. However, the emails had my daughter 's first name included. I followed up with my daughter who confirmed that it was not she who did this. 
My information has been included in past data breaches through various entities.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

On XX/XX/2024, I opened a new account with SoFi and deposited {$5000.00} via direct deposit on XX/XX/2024. However, shortly after this deposit, my account was unexpectedly restricted, rendering me unable to access my funds. 

Despite reaching out to SoFi 's customer service on multiple occasions, I have been unable to obtain any information regarding the reason for the account restriction or an estimated resolution timeframe. Each time I contacted them, I was informed that there was no available supervisor to escalate the matter to and the representatives were unable to provide any additional insights beyond advising me to wait until the restriction is lifted. 

Despite my inquiries, SoFi 's customer service has been unable to offer any clarity on when the restriction might be resolved. It has now been approximately 9 days since the restriction was imposed and as of today, XX/XX/2024, it remains unresolved.