davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A XXXX, Would You Be So Kind To Send Me A XXXX For A Cancellation Of Debt Of This Item Due To My Financial Hardship. * XXXX XXXX XXXX XXXX ( {$42000.00} ) XX/XX/year> * XXXXXXXX XXXXl XXXX ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX XXXXXXXX- ( XXXX ) * XXXXXXXX XXXX XXXXXXXX ( XXXX ) * XXXX XXXX XXXX- ( XXXX )
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MA)

I have an Amazon store account card through Synchrony bank. In XXXX I paid extra on the card because of leftover XXXX shopping. I have never missed a payment. They dropped the limit, because of high balances on other cards, to just over the new balance, which of course created a new high balance. 

I went from 70 % utilization on that card, about to make another payment which would have brought me under 50 %. The new limit created a utilization of 94 %, which they immediately reported to the credit bureaus, which, despite never missing a payment, created a cascade of other cards now reviewing my limits. This is bot only evil, but according the Fair Credit Reporting Act, illegal.
Consumer complaint received 2023-12-14
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. (PA)

I am writing to delete the following information from my credit file. The items I need deleted are listed in the report attached. I am a victim of Identity Theft and did not make the charge. I demand that the items are deleted to correct my consumer credit report. I reported the theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items asap!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (WV)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and National Credit Systems ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to Certified XXXX Audits I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-15
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. (PA)

My name is XXXX XXXX XXXX this complaint 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 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

i deposited a check payment in the amount of {$65000.00} on XX/XX/2024, chase bank closed my bank account because they suspected this deposit as fraud, and never returned the money to the check maker and neither cleared the money to me. 

i have contact chase mummers times and not getting anywhere. 

ty
Consumer complaint received 2023-06-14
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: EGL US, LLC (TN)

BMG money claims that I have set up payment allotments with my bank!!! I have asked them for the paperwork regarding this bank, they have yet to give me that information. My identity was stolen in 2022 and I have paperwork to show that it was stolen. They have yet to delete this loan off my credit. I have got my lawyer involved and its becoming very frustrating. I have heard so many bad things about this company putting items on people credit that dont belong but I will not allow them to get away with this! I am demanding proper paperwork and also for them to delete this off my credit because it doesnt belong to me!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Ive had my account with RBFCU since XXXX. I transferred {$8500.00} to my savings there. At noon today XX/XX/XXXX I transferred $ XXXX out of that account to another account. I called back at 5 today to transfer the remaining funds out and they refused to do the transfer. They said they were holing my money until XX/XX/XXXX because of a bankruptcy 24 years ago. I have never had a loan or credit card with them and never lost any money to them. They are illegally holding my money and will not give me access to it. I am currently a XXXX patient on XXXX and was moving funds within the credit union to my XXXX children.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion initially verified my new account. But it now says invalid information. Runaround with numerous telephone numbers, forms, etc. Unable to process password changes.

It appears this company is unable to fulfill its stated mission of freezing accounts after huge data breach of ss numbers. Deliberately being obtuse.

This appears to be an going problem the company has. Federal government must step in and force changes to TU 's practises.
Consumer complaint received 2024-04-04
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. (NY)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations.

Your agency is in violation!

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.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Incorrect Name : - XXXX XXXX XXXX DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-12-19
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX 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 2024-04-04
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OR)

This my attempt to allow Citibank to in good honor open my credit account. They previously denied my application and gave a fews which have no standing and they asked for my credit report be improved before being approved. 

I have made it clear that banks do not loan out capital as it is against 12 USC 83. Secondly, they said they couldn't approve me due to having collection reports in my credit report with XXXX. XXXX has removed all collection accounts from my credit report and all marks which Citibank used as an excuse have been removed indefinitely. 

I want my account opened immediately and my limit set in accordance the consumer open-end credit plan pursuant to 15 USC 1602 ( j ).
Consumer complaint received 2023-12-14
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. (CA)

XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX  super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NY)

I noticed my account at MOHELA was put in general forbearance which I did not request. I asked for removal of the forbearance and was told by the agent it was not possible. I was told it took up to 84 business days for processing. This would prolong my PLSF qualifying payments by 3 to 4 months.

I called twice. First agent was in training and transferred me where I waited over an hour. I tried calling back and spoke to a specialist agent who informed me I could not take any action. She transferred me to a supervisor in which I was disconnected.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

After doing some research I have found that Experian, XXXX, XXXX has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of XXXX 

Experian, XXXX, XXXX has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXXXXXX XXXX they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of XXXX 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of Experian.
Consumer complaint received 2023-04-01
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)

This is my NUMEROUS 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, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX And account # XXXX XXXX XXXX XXXX. 
And account # XXXX XXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2024-04-04
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX  had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.