davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 1st 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 XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX : {$19000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (TN)

On XX/XX/2023, I went to the store located at XXXX XXXX XXXX XXXX TN XXXX. I stated I was having some financial hardship and I needed them to remove the XXXX payments from my account. I was told by XXXX ( store XXXX ) that he did but for me to understand that the company had a right to resume them if the account became delinquent. At this time my account is not delinquent and they can not resume a service that I asked them to stop.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted XXXX credit bureau XXXX transunion credit bureau and XXXX XXXX credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.
Consumer complaint received 2023-10-13
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: GOLDMAN SACHS BANK USA (OK)

On XX/XX/, there were multiple unrecognized transactions going through my Apple credit card. I immediately contact the bank customer care and report this problem and disputed these transactions. However, almost the 3 transactions that I disputed, there was one that dose not get approved. The amount of this transaction is XXXX I disputed it again and again but the result keep coming back denied. The company send me a documentation regarding the transaction that " prove '' that I make the transaction. However, the document they sent me clearly demonstrate that the billing email, the billing name, the phone number, all did not belong to me to my family member. There should be no way they should approve this transaction and further declined my dispute request while I did not authorize or issue this transaction. I just now disputed the same transaction the 4th time, and issuing this complain.
Consumer complaint received 2024-04-05
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. (CA)

account no. XXXX XXXX XXXX for the amount of {$5500.00}. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent. 

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information. 

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure.

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-23
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. (SC)

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXXXXXX XXXX  ran my credit with ; Trans Union, XXXX and XXXX Trans Union, XXXX and XXXX then sold my information to mortgage lenders. Today, XX/XX/, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX, i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.
Consumer complaint received 2023-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/2023 I communicated via certified mail to Portfolio Recovery Associates , LLC on XXXX XXXX Portfolio Recovery Associates , LLC, did not respond on timely manner by XXXX XXXX Ignoring same .Company is aware and in knowledge account not mines I have nothing to do with account and I have requested a cancellation letter, Portfolio Recovery Associates , LLC, account number XXXX is inaccurate and misleading company account inconsistent Im attaching letter and documents sent to company on XXXX XXXX That company ignore to respond Account not mines Thank you XXXX XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KMT Group, LLC (NY)

KMT GROUP LLC and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  want to collect a debt that is not mine they put a r {$2000.00} estriction on my bank account and want to collect 15 % of my SSD money a month i lost my ID and someone is using my identity as their own also the department of treasury wants to collect {$110.00} on top of that or that is the monthly payment for the debt i dont know its not mine any of it and all my info was exposed on the internet I don't know for what there is no way to contact them by phone or internet i tried and someone opened a spectrum account in my name for XXXX obviously someone is stealing my identity and I don't feel safe please contact me for help these people want to steal my XXXX and content of my XXXX XXXX XXXX  account
Consumer complaint received 2023-10-13
Product: Credit 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: CRED Technologies dba cred.ai (CA)

On XXXX a transaction of {$7.00} was recorded on my account and on XXXX a transactions of {$68.00} was made on my account. On XXXX I asked cred.ai for all information about the merchant demanding these funds.I asked for purchase agreement and or item description and delivery dates of the items .cred.ai only provided the phone number of the merchant.I myself have tried to contact this merchant by phone and the number is disconnected I tried contacting them by email and can not. Then on several occasions have tried to contact cred.ai and inform them of this with several phone calls and emails to resolve this matter.let them know I did not make, authorize or purchase any type of item or service from this merchant or vendor
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, Please have an actual human review these documents and think! Someone must review this. You all keep sending me automated verified letters that are clearly not accurate! This account needs to be deleted as the creditor is abusive and threatening and clearly keeps changing its story and details such as original amount. And you all are just following whatever they say. This is the point when more responsible credit reporting companies would delete the record. I expect the same from you. 

Notice that in the attached letter from XX/XX/XXXX XXXX XXXX acknowledges the lease term was paid in full. They attacked an additional charge of XXXX after the lease was finished. Its NOT part of the original amount as they have reported to Experian. They have are so inconsistent with the dates and amounts on this lease. The original lease is finished and paid in full. If they want to try and rob me of more money by claiming the fraudulent charges of another XXXX they need to delete the original record from my account then add another record to the credit report as they have threatened. These predators are evil and are agents of XXXX. Stop letting your hands be used by the XXXX! If you refuse to delete these records and stop empowering this predatory lender to keep abusing me, understand you will answer for this in the day of Judgement. 

Please delete this now! Its not accurate and should not be on my credit report because this creditor is clearly lying and trying to extort money from me. I will never give them any money. They can send all the letters they want. They won't send this to court because they know they will lose! XXXX if you refuse to delete this, I ask you to send your lawfirm to file this. They will tell you to drop this and leave me alone! I hope you arrogant monsters fall into the legal trap and do something so I can expose what you and that dealership did to me. I have found other victims and will be working on a class action against you for your leasing practices.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 my possessions were stolen. My wallet with all my bank cards and phone were stolen. I called chase on XX/XX/XXXX and told them my cards have been stolen so they knew my cards were gone. When I got home from vacation on XX/XX/XXXX I went to get a new phone at XXXX  and finally accessed my accounts. Someone had got into my account and did a lot of transactions and chase reversed or denied them for the most part but theres XXXX over {$2000.00} in transactions ( {$300.00}, {$700.00}, {$1000.00} ) that they wont return and Im not sure why. I spoke to the person that denied it and she was very rude about it for some reason and said XXXX  you cant get back because its like cash same thing with XXXX XXXX but they refunded the XXXX XXXX transactions they made which doesnt make sense. She said well take it up with them have a nice day and hung up. I proved to them that I didnt have my phone, there was a bunch of other fraud which they returned but wont return my {$2000.00} in XXXX payments which came from my account that I already report as fraud but wont return it. It just makes no sense.
Consumer complaint received 2024-04-05
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (AL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens  ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

On my XXXX, XXXX, and Experian Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and XXXX credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and XXXX credit report.
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: AMERICAN EXPRESS COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-04-06
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. (AR)

I was in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.
Consumer complaint received 2023-10-13
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. (PA)

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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years