davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

In XXXX XXXX  I found mail from two different banks, Discover and XXXXXXXX XXXX XXXX It was two credit card bills in my name totaling over {$10000.00} in balances, but I never opened these cards. I also found out that I had a XXXX XXXX account in my name, which I also did not open, and it said these two accounts had been open since XXXX  While the payment history is timely, my credit score plummeted because of these fraudulent accounts. 

Today, I called Discover to notify them about the fraudulent account, and they told me that I may report this as fraud but did not inform me how to do it. Thankfully, my granddaughter researched it for me, and we were led to this page through the Federal Trade Commission 's website. 

I do know the person who did this, but I am afraid to have a conversation with them or even share their identity because I care about them and do not want them to get XXXX However, I want these accounts closed and removed from my credit report, and I do not want to be liable for these debts.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account has been reported to all three credit reporting agencys wrong. It is required that they are reported accurate across each one it shows a line of credit and some say credit card. The dates that it claims that its open is different from each credit reporting agency. it is required that they maintain 100 % accuracy when reporting. I have attempted to bring this to the creditor and credit reporting agency and they have continued reporting my information in correctly.
Consumer complaint received 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (CA)

This is a request for loan modifications that I am requesting on XX/XX/XXXX. Prior request made to SLS directly on XX/XX/XXXX neither has been approved or denied. In the CFPB last response and my phone conversion SLS has no records for loan modification. The records for XX/XX/XXXX emailed followed with certified mail delivery confirmation SLS has no records. 
I received 3 emails confirming my request for loan modification was received and XX/XX/XXXX letter of correction or clarification was also received. Delivery confirmation attached indicates SLS received my request. 

I have been asking to speak to supervisor since XXXX haven ever spoke to any supervisor except once who stated he will call me back after he took my information in early XXXX. I have not received call after that.
Consumer complaint received 2023-09-21
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: LEXISNEXIS (WI)

1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2024-04-09
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. (MI)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I did not contact these creditors for credit and these inquiries have been made without my knowledge and permission. please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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. (MI)

15 U.S. 1681c-2 black of information resigning from I didnt need that ASAP as otherwise provided in this section and consumer reporting agency agency cell Block the reporting of information in the pile of a consumer that the consumer identifies as information that resulted from an alleged I delete that not later than four business days after today every receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) that identification of such information by consumer and ( 4 ) a statement by the consumer that the information is not information related to any transaction by the consumer
Consumer complaint received 2023-09-25
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a XXXX XXXX  and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX XXXX that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given
Consumer complaint received 2023-08-01
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. (NV)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-13
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I have addressed this dispute on XX/XX/1925 with Eqifax, XXXX, XXXX and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (DE)

CIC has stolen my personal private information and shared it without my permission. Sold my personal rental records without my permission, obtained and published my private personal information without my knowledge or permission. Published false and misleading documents to potential landlords causing my denial of housing based on inaccurate information regarding XXXX XXXX XXXX Placed active judgements on my rental record when there are none. Will not allow for disputes to be levied on their website. I demand that all records be deleted immediately, and not report, or collect my information without express written consent or legal action will follow for aggravated identity theft.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

The company, MIDLAND CREDIT MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Consumer complaint received 2023-09-20
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. (MO)

XXXX XXXX XXXX XXXX XXXX I disputed five charges on my Citibank credit card by one merchant ( XXXX XXXX XXXX ) regarding two XXXX units the merchant admits they never installed. Citi asked for additional information which I provided in full XXXX The 5 charges totaled {$31000.00}. 

Citi reversed the {$7600.00} charge on XX/XX/XXXX and the {$7100.00} on XX/XX/XXXX in my favor. I discovered recently that Citi rescinded the {$7600.00} they'd previously credited to me on XXXX  They can not provide a reason because the files are " so old ''. I've followed up with Citi 's Dispute Dept. 8X over the span of a year while they pretended to process my dispute until they aged it out into irrelevancy, then tried to blame me for their failure. 

On XX/XX/XXXX, I called Citi who told me the claims were all closed. In addition to the {$7600.00} they reneged on, Citi refuses to reverse the {$6900.00} and {$1800.00} charges for my alleged failure to respond to another request for info which they inadequately posted to my account without notifying me. The information was unnecessary in any event, as evidenced by the fact all the same information I provided XXXX XXXX XXXX allowed them to reverse two other identical charges ( and the reneged charge ). All five charges relate to the same merchant for the same transaction. The merchant admits they defrauded me by taking money for services they never rendered. All five charges should be treated the same and all should be reversed in my favor. Citi reversed charges for {$15000.00} but refuses to reverse {$16000.00}.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

After contacting XXXX XXXX Issue still is not resolved! THIS ACCOUNT WAS OPENED FRAUDULENTLY! 
THEY HAVE YET TO PROVIDE ME WITH DOCUMENTATIONS THAT HAS A SIGNATURE, PHONE NUMBERS, SOCIAL SECURITY NUMBER, OR DATE CONTRACT WAS FRAUDULENTLY HONORED!
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX XXXX XXXX account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Department of EducationXXXX debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department XXXX XXXX has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, TeleCheck, XXXX XXXXXXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2023-05-05
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$260.00}, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX : {$470.00}, XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00}, XXXX XXXX  Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX  Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-07-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

NCA National credit adjusters This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}. 
This has been resolved with both companies yet NCA refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there. 
Leave my credit alone!
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Hello Equifax : I was lucky to get a copy of my XXXX XXXX and XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

XXXX XXXX
Consumer complaint received 2023-05-05
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. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of a fraudulent account from my Credit File under section 605b of the Fair Credit Reporting Act. While I appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there is still an account on my report that should have been removed. Upon recently reviewing my credit report, I discovered an account that I did not open nor have any knowledge of, which has not been properly verified. I urgently require the removal of this account : XXXX XXXX XXXX XXXX Balance : {$0.00}. I want to make it clear that I did not authorize the opening of this account nor did anyone do so on my behalf. This is a case of identity theft and I am reporting it to the authorities. If the Credit Bureaus insist that the disputed items are legitimate, I demand that they provide me with supporting documents. Otherwise, I expect immediate deletion of the disputed items.