davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2023-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques (CA)

I moved away from where I used to live. I had no idea that this bank was going to sue me. How was I suppose to defend myself if I never received a letter to appear in court. Now nearly 5-6 years of thinking I would get a call or letter from a debt collector to settle a deal with them not only do I not receive any information from the bank nor its collectors but I start getting a portion of my checks taken away. I am looking for advise on what I should do because I feel so blindsided by all of this.
Consumer complaint received 2023-09-01
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. (KY)

I noticed in late XXXX early XXXX that I had inquiries on my credit report that were unauthorized/unverified. This was also around the time where I was getting my business together and was learning more of the business world. I realized that my credit score/credit report wasnt where I wanted it to be while also discovering that I had inquiries that I didnt know where there.
Consumer complaint received 2023-08-30
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 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!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I opened a Discover Credit card account and because I complained about their horrible customer service. I was retaliated against and the pur my account in protected service. Now they are asking me to send a picture of me through a link of my cell phone. This is discrimination.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a checking account on XX/XX/2023 at Regions Bank at XXXX XXXX XXXX, XXXX, TX XXXX branch after registering for the promotion of {$300.00} bonus at webpage XXXX XXXX XXXX XXXX. When I opened my account, I confirmed with the banker that the promotion has been applied to my checking account. It has been 3 months, and I have met all the requirements for the promotion. However, the bonus still hasn't been paid. So I chatted with Regions Bank online banker through its website and the banker informed me that the above promotion was not applied to my checking account.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland credit is attempting to collect an alleged debt from me the consumer. Has midland got " Direct Consent from me the consumer " or the express permission of a court of competent jurisdiction? I defiantly did not give midland direct consent to communicate to with me period .Has this alleged debt been verified pursuant 15USC 1692G? if not wouldn't it be false information if reported that I the consumer owes this alleged debt? and would it not be a violation of 15USC 1692e ( 8 ) if I the consumer disputed this false information and midland still furnished this inaccurate information on my credit report? Midland credit has violated my rights under the ( FDCPA ). pursuant 15 USC 1692k midland is liable for these actions.
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/2023, I received my monthly statement and when I looked at the statement, I noticed that the amount was more than what I usually pay monthly. My monthly recurring bill is {$53.00} but it went to {$250.00}. I have called the company numerous of times trying to get this issue resolved but they keep telling me they are still investigating the issue. I also noticed that the remaining balance amount and the statement balance do not match. This is not the first time I had an issue with this company. I had to file complaint against them a few months ago due to the not reporting the correct information on my credit report and stating I owe amount that was incorrect. The case number for that complaint is XXXX.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX  ), XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a college student from XXXX XXXX. I opened a bank account from Bank of America and I deposited a fake check of {$2400.00} in late XXXX, 2022. I was looking for a replacement to take over my apartment lease but the person turned out to be a scammer. Of course, I realized right after I deposited the fake e-check and the money bounced back right away. In about 6 months, in early XXXX, Bank of America suddenly closed my bank account which still has money of about {$1100.00}. I have been trying to talk with BofA customer service, but they always keep telling me to just wait until they finish their investigation and they always say how long it will take. I have been calling them for the past three months, they always answer the same thing. I am graduating and going back to XXXX XXXX in XXXX. If I can't get my money back by then, I have to lose my money since I have to seek a job in XXXX starting XXXX. I did not do anything wrong but deposited a fake check from an unknown person. The money just bounced back right away so I've never been able to use any amount from the fake check. But bank of america closed my bank account without any notice and also reported me to XXXX system and still hold my money not giving my money back. This is unfair. They do not talk with me always read the lines saying " wait ''.
Consumer complaint received 2024-01-02
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. (OK)

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.

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 2024-01-02
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)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report ( XXXX XXXX XXXX XXXX XX/XX/, XXXX XX/XX/. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-01-02
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. (MI)

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 Committee on accuracy and completeness of credit information 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 Verifiable Proof ( 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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/XXXXXXXX  I contacted sunrise credit services informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXXXXXX  For reporting fictitious allegations and fraudulent debt Also I have informed XXXX XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (TX)

on XX/XX/year> I was alerted that a collection was added to my file by an collection agency named caine & weiner company the original creditor was progressive. I then contacted progressive letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report
Consumer complaint received 2023-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (NE)

I took out an installment loan of {$3000.00} on XX/XX/2023 and was to be making bi-weekly payments of {$180.00} to XXXX Bank ( Integra Credit ) After making 6 payments to this lender I noticed that my balance had actually increased to over {$3200.00} and after contacting them they never provided me what the reason was for of this and I have been in contact with them ever since trying to settle this debt and they have amassed late fees and charges to the amount of {$4300.00}. They have reported the loan as delinquent to my credit agencies and I have attempted to get them to work with me so that I can close this account, the only option they offer me currently is a {$1300.00} settlement offer to destroy my credit. I have asked this situation to be escalated internally via XXXX XXXX support and they have come back to a resolution of, offering to waive a one time late fee of {$15.00}. This place is a predatory lender and should be notated as such within this data base to assist consumers going forward. I have paid {$1700.00} ( screenshots enclosed ) for this and I am proposing a settlement in full for complete removal from my credit report in the amount of {$1200.00} which would be the full amount of the {$3000.00} borrowed. This company has been unwilling to work with me on this, I am seeking the next steps from the Nebraska Attorney Generals Office currently. I appreciate this agencies willing to help consumers.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (NV)

There are several auto loan inquiries and credit XXXX credit report that were not done by me. And have significantly drop my credit score and have been reason for me being denied credit because of to many inquiries. Please help me remove these from my report. 
I have tried reaching out to the companies with no resolve. They told me to dispute it. XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX  Requested On XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/ Phone ( XXXX ) XXXX Thank you
Consumer complaint received 2023-09-22
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: CITIBANK, N.A. (CO)

I was vacationing in XXXX and got a notification on my phone that there were suspicious transactions on my Citibank card. I called the day of the phony transactions and said they were not authorized but thought they were linked to an online transaction that I felt was sketchy and that I may have given them too much info. 
I attempted to make a purchase on XXXX  at XXXX and I received no online invoice until XXXX 
I then was suspicious that the site XXXX was a scam because they wanted access to XXXX for the amount of {$79.00} ; the amount that was authorized by me for camper parts. I do not have an active XXXX account and I waited hoping nothing would happen. I suspect they were hoping to get even more identity data from me by going to XXXX. 
On XX/XX/XXXX three fraudulent charges appeared on my Citibank card from a company called, XXXX XXXXXXXX XXXX XXXX, XXXX ( if you try this website it does not work/exist ; 1 Charge : {$48.00}, 2 charge {$130.00} ; 3 Charge : {$170.00} = {$360.00} ). 
I then received a letter on XX/XX/ from Citibank claiming that I authorized these transactions and that I would have to reach out to the merchant and Citibank told me the website XXXX is a valid website to contact. It is not! 

XXXX is located in an apartment complex at XXXX XXXX XXXX XXXX XXXX doubt it is real and I refuse to have any contact with them. 
I know I was scammed by them, I was trying to buy a rare camper part and they likely sold my information to someone who made the fraudulent charges on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a personal loan through XXXX XXXX. I fell behind on payments due expenses from a death in the family and medical bills. I spoke with a representative from XXXX XXXX and agreed to a reduced payment plan. When I made a reduced payment a few days late after having made multiple payments as agreed, XXXX XXXX went back and retroactively posted a 90 day delinquency to my credit report, dropping my credit score by over 50 points. They did something called a " reversed payment '' where they took a payment that I made and reapplied it months after the payment was made to make it appear that I had not made any payments at all for 90 days, which is false. What they did was unethical and a violation of the Fair Credit Reporting Act. I have emailed them multiple times but I have not received any reply.