davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (SC)

This is my 14th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (TN)

On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.
Consumer complaint received 2022-12-02
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. (TX)

FCRA Violation : credit card not mine XXXX XXXXXXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

The collection company in question put a collection account on my credit report from XXXX XXXX i told XXXX  this was a fraudulent account they did nothing someone got my e mail address and social and opened an account in my name. this is a fraudulent account and a case of identity theft.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/year> I viewed my credit report and noticed an address on my credit report that is not mine to which I sent notification that this was not my address and for my current address to be listed to no avail. I have the right to most accurate credit report according to FCRA.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

Got a notice about a new credit card added to my credit report by COMENITYBANK/SONYXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX I have not authorized this credit card, or credit check by that company. The credit inquiry was done on XX/XX/2022, and reported on XX/XX/2022. 

I have called the company, and asked them to close the account. They had an address in another state for this account. They said that they are closing the account. But did not receive any confirmation, gave them my email address as well as home address.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

QVC ( Ca Secretary of State # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPLAINT ; QVC sold XXXX a defective stroller. I purchased this stroller for my granddaughter on XX/XX/XXXX, didn't put the stroller together until XXXX XXXX XXXX because my granddaughter was not at my home. My granddaughter only came to my home XXXX  month ago and I started using the stroller every day. My granddaughter is not even full weight as a XXXX. This stroller fell apart. I went to dinner with my granddaughter yesterday, pulled the stroller out and it would open up for me to sit my granddaughter in. I could not carry my granddaughter as I am a XXXX Veteran with XXXX  issues. I had to not go to dinner and return home because of this broken stroller. I paid {$140.00} for this stroller that is now broken through no fault of my own in this short time. I have not even used this stroller for XXXX full year as it was still in the box until my granddaughter was at my house everyday XXXX month ago. This stroller is a top-of-the-line stroller, it should have not broken this quick with such minimal use. I have determined that this stroller is defective, screws even came a loose and will not go back together. I make a reasonable attempt to contact QVC and gave them my order number # XXXX for this item XXXX XXXX XXXX XXXX XXXX XXXX ( blue ), I paid {$140.00} for a stroller that is useless now. I asked QVC to either replace this stroller or refund my money, they refuse to do either. I am not going to be out {$140.00} and still need a stroller. I told QVC that if they are refusing to replace this stroller or my refund that I was going to file a Formal Complaint on them requesting my refund of {$140.00} XXXX XXXX XXXX  XXXX XXXX ; XXXX complaints closed in last XXXX years XXXX complaints closed in last XXXX  months Desired settlement : Contact by the business ; Refund Money paid to business : XXXX OTHER COMPLAINTS FILED ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Trade Commission - XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-02
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. (GA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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 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. 

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
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

A new credit card sent to me via US Postal Service never reached me ; it was stolen from the mail and used fraudulently for over {$17000.00} in purchases in two days, XX/XX/XXXX and XX/XX/2018. It was supposed to have been mailed on XXXX XXXX and to be received by XX/XX/XXXX. I called several times between XXXX XXXX and XX/XX/XXXX about it ( because I had been hoping to use it for an expense due by XX/XX/XXXX, and I was traveling XX/XX/XXXX-XX/XX/XXXX ). When I returned from that trip and saw that my card had not arrived in the mail as promised and expected, I called and was sent a new card ( via courier service ) with a new card number. I did not know about the fraudulent charges until I received the first bill for the card, in early XXXX, showing a credit balance instead of showing the almost {$4500.00} I had charged and did owe. I called to ask about the " credit '' and stated that I wanted to pay what was due because I had made the charges ; they told me to wait for the next bill. I was told that an investigation was underway, and I was given a " security credit '' for some of the fraudulent charges, which totaled more than my authentic charges - hence the " credit balance '' situation on the first bill. Now I have received the second bill, and I see that the security credits have all been reversed and Citi Bank is saying that I am liable for the purchases. I had no idea that over {$17000.00} had been charged fraudulently, until I saw this bill showing the reversal of all the security credits. They never contacted me about this, except for one call from a woman in the investigation department. I later tried multiple times to reach her, leaving her messages with no response - as well as calling customer service, security, and the fraud department multiple times about the problem, and being told I should contact that same woman. Today I went into my local Citi branch and asked for help in contacting the right people to resolve this. On the phone, I was told that that woman no longer works for the department and that my case has been assigned to someone else. Neither the woman nor the newly assigned man ever contacted me after that initial call I had with her. I was not even in XXXX, the city where the fraudulent charges were made, on XX/XX/XXXX ; I was flying home to XXXX from XXXX XXXX California. I definitely did not receive the card that was used for fraudulent charges, did not make the fraudulent charges, and should not be held responsible for the charges. I would appreciate your assistance in having Citi restore the " security credits '' so that I am responsible for the charges I did make on the card I did receive, but not for the charges made fraudulently on the charge I didn't receive.
Consumer complaint received 2024-04-16
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-04-16
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. (CA)

Upon a recent review of my credit report, I was surprised to uncover a significant error in the reporting. I am perplexed as to why this company has included this information on my credit report. I have never missed payments with any of these creditors. Upon contacting them, I was instructed to dispute the issue with you. Please investigate and review this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on [ DATE ], and I have not yet received a response. ''
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-28
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2024-04-16
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. (GA)

I am writing to bring to your attention a matter regarding the denial of securities by XXXX c/o Avant, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Equifax. It is pertinent to note that this denial occurred despite my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX,, XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Equifax. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
Consumer complaint received 2024-04-16
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (OH)

I tried to settle a debt with XXXX  XXXX twice on two credit cards. However are willing to settle but they are refusing to send me a settlement letter. XXXX XXXX wants me to pay my debt before they provide a settlement letter that would provide an agreed upon amount for the debt that I owe.
Consumer complaint received 2024-04-16
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.