davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NH)

There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX-One Main FinanciaXXXX XXXX XXXX XXXXXXXX XXXX IN XXXX
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (IL)

I have been sued by the collection XXXX XXXX XXXX  they did not properly notify me of anything then I was told I was served back in XXXX at XXXX I wasn't even home so how was I served and then after that I never received any letters about court dates so now I have a default judgment. On top of that the amount is now higher I didn't get a fair chance to defend myself or protect myself there practice is so very underhanded.
Consumer complaint received 2023-09-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I had a CD with Citi Bank, when the CD ended the money was not returned. I have spoken with Citi, both online and in person, and they were unhelpful. They claimed to only have 1 account for me on file, an unrelated credit card account.
Consumer complaint received 2023-10-14
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

First I want to thank you for retrieving {$110000.00}. of my money. But the full amount was {$120000.00}. The did apply {$5.00} interest from XX/XX/2023 until XX/XX/2023. Id like to know where the other {$10000.00}. is.
Consumer complaint received 2024-03-07
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. (OH)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I recently reviewed my credit report in XXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : BK OF AMER Inquiry Date : XXXX Inquiry XXXX : XXXX XXXXXXXX XXXX INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I recently reviewed my credit report in XXXXXXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XXXX Inquiry three : CAP ONE NA INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.
Consumer complaint received 2023-10-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

I believe the Citizens Bank account associated with the account ending in XXXX contains a billing error in the amount of {$3100.00} due to a mathematical error. The reason why is because I see fees & charges and down payment was not applied to my balance for the total amount due
Consumer complaint received 2023-10-15
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. (IL)

Filed a complaint ( XXXX ) on XX/XX/2023 against Experian regarding a closed dispute that did not follow proper procedure. I received an email stating Experian started a new dispute was opened on XX/XX/2023, report number XXXX, and only corrected my name and one address per my second request. There is still an address being reported that I never resided at. These inaccurate items where still not deleted per my instructions. That dispute was closed same day on XX/XX/2023. Experian is still non compliant with FCRA.
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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. (NY)

Hello, I recently reviewed my consumer reports and found that consumer reporting agencies are inaccurately publishing late payment ( s ) on my consumer report for XXXX Account XXXX XXXX. There are a few inaccuracies in reporting this account. I have attached a document showing inaccuracies. I would appreciate a proper investigation on this account then update the payment history showing all payments are made on time as I NEVER paid this or any other accounts late. 

Thank you, XXXX XXXX
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 USC 1681 C-2 15 USC 6802 XXXX XXXX  # XXXX Statement : Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. 

I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

List of accounts to be deleted. 
XXXX Late Payment Report in XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX  The reporting of these account is violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-22
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)

My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account XXXX XXXX balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent addresses 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

List of accounts to be deleted. 
XXXX Late Payment Report in XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX The reporting of these account is violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2022-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 USC 1681 Sector 602 States I have the right to privacy.

15 USC 1681 Sector 604 A Sector 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plant as late for purpose.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

I do not know who these people are. The phone number that calls me incessantly is : XXXX. They are calling about a debt owed by XXXX XXXX. I told them I wanted the phone calls to stop and they said " we are a business maam. ''. '' Meaning they are going to keep calling me.
Consumer complaint received 2023-10-14
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. (TX)

I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with XXXX, XXXX, and Equifax. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
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. ()

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I am seeing a XXXX collection illegally reporting on my consumer report. I have requested the collection agency to provide me a letter/document validating that the medical debt belongs to me. The debt collector have not responded to my requests. I have called the agency multiple times and could not get a proper resolution. TransUnion is illegally reporting inaccurate medical information on my consumer report and violating HIPPA law. I would request this collection be removed immediately from my consumer report. 

Debt collector : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Thank you for your consideration. 
XXXX XXXX
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2019 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-03-18
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 10th 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 alleged fraud or extortion.

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: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I am writing to dispute a false account that appears on my credit report, which is a result of identity theft. The account is listed under [ SYNCB/PPC ] and is reported on my credit file twice as closed due to inactive use. 

Upon reviewing my credit report, I have noticed this account, and I assert that I did not open or authorize this account which I communicated with the creditor and they didnt find my name or social under any account associated with them. I have tried numerous of times to resolve this issue and I suspect fraudulent activity. 

I request a thorough investigation into the origin and accuracy of this account. Please provide the following information : 1. Verification of the debt and documentation proving its legitimacy.

2. Any supporting documents or agreements related to the account.

3. Details of the individual ( s ) responsible for opening this account, if available.

I have taken immediate steps to protect my identity, including contacting the creditor and filing a police report. I demand that you correct this error promptly and remove this fraudulent account from my credit report.

I request a written response within 30 days from the receipt of this letter, confirming the removal of the disputed account and any related negative marks from my credit report.