davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (CA)

Aspire Visa Customer Service Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. 

The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. 

I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. 

I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.
Consumer complaint received 2020-04-07
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. (TX)

I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Consumer complaint received 2023-10-14
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)

There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

XX/XX/2020 I reached to PNC Bank to attempt to reset my online banking PIN to gain access to my online banking. I contacted Online Banking and Customer Service. I was told to reach out to a Branch on XX/XX/2020. I did reach out to a branch on XX/XX/2020 and was told my account was in a purgable status of being closed. NO ONE told me this on XX/XX/2020 Friday or I would have got the funds to bring the account current and requested the fees to be refunded from XX/XX/2020 due to being out of work due to COVID 19. On XX/XX/2020 I reached out to the account closing department and was told they could not help me with the fees or reopen my account. I needed to get the account reopened as sole proprietor I had applied for EIDL lending. The account is being closed for {$330.00} XX/XX/2020 I spoke with XXXX and she filed a complaint for me she also said that the employee in online banking and customer service may have not known the account was closing on XX/XX/2020 so if that was the case how am I supposed to know that as a consumer. I asked her that question and she said she didn't know. 
of this balance {$280.00} is made of {$36.00} of overdraft charges and {$7.00} in daily overdraft fees. For a total of {$290.00} if this was refunded I would have only owed PNC Bank a total of {$44.00} and the account would have not closed out. XX/XX/2020 XXXX from PNC Bank escalation department called me and stated it had already went to a collections department. They would not help me with the fees after I told her I had been out of work since XX/XX/2020 due to the COVID 19 virus and my line of work. I have banked with them for 15 years and she did not seem to care and there was nothing she could do. Due to these unprecedented times I would think they would be willing to work with me and not close my account over {$44.00}.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (TX)

Key 2 recovery Ice, contacted me about XXXX owed to XXXX XXXX University. I had contacted Covid 19 and was unable to attend classes. The class were already paid for with federal student loans. The University advised me that I had not canceled in the right time frame. This was incorrect, I canceled the classes several times. The amount was paid for by my student loans and I canceled the classes. I university is attempting to get paid twice.
Consumer complaint received 2023-10-14
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

15 U.S. Code 1692c - Communication in connection with debt collection. I want all this information deleted.

Late payments ACCOUNTS : Need removed BELOW.

18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
XXXX XXXX
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

Hi my name is XXXX XXXX, my loan is with XXXX XXXX they are the lender and Ocwen is the serviced. my loan is a subprime lending loan. each month i receive statements with different amounts for my monthly payment, also my interest was suppose to cap off at 4.5 from a modification from 2008 the interest has went beyond that and they are now saying my loan do not allow modifications, there is a lot of illegal stipulation attached to this loan. i need help, my back is against the wall they are trying to take my home saying my loan do not allow refinancing and i have no equity. XXXX XXXX has been in the spot light with senator XXXX XXXX, i need someone to help me get equal justice, they have made my owning a home turn into a nightmare. I have developed medical conditions dealing with these lenders, such as XXXX XXXX XXXX, i have been taken advantage of in the highest inhuman way. this is horrible what happen to me this subprime lending. i do not wish it for anybody. if it had not been for my belief in XXXX, i do not know how i would have made it thus far, XXXX is my strength in the mist of it all. respectfully yours, XXXX XXXX.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On Saturday XX/XX/XXXX, I mistakenly sent {$750.00} to a wrong account via XXXX : It turned out that I made a mistake in the phone number, a typo ; instead of XXXX XXXX, I typed XXXX XXXX ; and surprisingly, both account holders have the same name or so it seems. So, I immediately called Wells Fargo and explained the situation. I was told they were going to dispute the transaction and that it would take up to 10 days to get it resolved. Finally, on XX/XX/XXXX I received a letter stating that " no error occurred '' and that the claim was closed ; I was told the same thing on the phone. 

I certainly hope very much you can help me with this! It was rent money.
Consumer complaint received 2023-10-16
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX : {$18000.00}.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MARINER FINANCE, LLC (TX)

Mariner Finance is calling me during the COVID 19 National Emergency and threatening to file a lawsuit against me if I don't make a payment. 

I haven't been able to work in 3 weeks and let them know that. 

Mariner is hard pressing me to get the money from family, friends and even go out and get a job somewhere else during a time when nobody is hiring. 

They are causing me immediate and ongoing stress. They call all the time and threaten me.
Consumer complaint received 2023-10-14
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-13
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. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Prosper Marketplace, Inc. (IL)

Prosper XXXX is the company I am having problems with. I noticed a fraudulent charge from Prosper on my checking account so I called the bank and had to block any and all purchases that were under $ XXXX. Prosper then started sending me emails telling me that my account was delinquent. I called multiple times and they confirmed that I do not have an account. I continued to get the emails and I continued to call. I reported fraud to them and requested that they stop sending emails. On XX/XX/XXXX they sent an apology email saying the account is closed and there is no balance. I do not know what account was closed because I did not have one. They could not find an account associated with my name, birthdate or social security number. The reason I am reaching out to you is that this was reported to the credit bureaus and I try very hard to keep up with and establish a good credit rating. Any help you can provide is greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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: William D. Meeker Enterprises, Inc. (NY)

After reviewing my most recent credit report I noticed hard inquiries I did not authorize I contacted the companies in question and was directed to the credit bureaus to try and resolve the matter Dates of inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-14
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. (VA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Today i tried to access my account online with XXXX bank, but all of a sudden i can't access the account because i have a different phone number. Now all of a sudden i can't access my bank account with them. Then after i update my phone number, i have to wait 14 days. I have been accessing this account with my user id and password. So i think they have been paid off by the XXXX  that have vandalized my cars and that have hacked my phones and have been doing other XXXX  activity like paying employees of businesses to give me a hard time like what fifth third bank is doing.
Consumer complaint received 2023-10-14
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. (NC)

Submitted Identity Theft Report however, Transunion requested I complete a " Transunion Identity Theft Victim Assistance Affidavit. '' Please note my identity theft report from the FTC which I attached is complete and complies with 605B of the FCRA, which I submitted previously to Transunion before Transunion requested this document.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (NE)

This company has never identified themselves, though in multiple saved voicemails, they refer to themselves as American radio international, which is a lie. I have no idea who they are, what debt theyre trying to collect, why they are frequently contacting waaay more than 7 times in 7 days, nor do I understand why they are spoofing numbers and lying about their name. This company is harassing me, breaking federal laws, has never once sent me any sort of mail and/or debt validation, and Im tired of it. They need to stop contacting me since theyre incapable of doing any of it professionally or legally.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I loaned money to a scammer claiming that my manager had already talked to him about a loan involving a debt that he owed and sadly I believed it all and lost {$2100.00}