davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (IN)

I hereby am writing Client Services Inc. to inform you that you have broken the law by knowingly, intentionally obtaining, possessing, transferring, and using my personally identifiable financial information aka non-public personal information from XXXX XXXX  by way of Identity Theft ; acting in bad faith ; using unfair business practices to extort payments on an extension of credit which is a crime pursuant to 18 U.S.Code 242 and 18 U.S. Code 894 ( See Exhibit A & B ). Furthermore, Client Services Inc. with lack of permissible purpose ( 15 U.S. Code 1681b ( a ) ( 2 ) obtained this account as a result of misrepresentation, fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) and Identity Deception IC 35-43-5-3.5, Fraud IC 35-43-5-4 and Crime Deception IC 35-38-1-2.5. ( see Exhibit C ) see attached documents and exhibits.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-02-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: True Link Financial, Inc. (PA)

What happen is that I opened this account with true link card as a dedicated account for the XXXX to add back pay for my XXXX XXXX XXXXXXXX XXXX, these transactions started from XXXX merchant and I reported them to the bank a first time. I spoke to a representative she told me they block the merchant ect, the following date more transactions from that same merchant happened for the amount of {$1800.00} I called them again they file a dispute now I get an email from them stating that my account will not get credited for these transactions wich is ver crazy because they see the time these transactions happening one after the other and they still did not block them like they told me this merchant was blocked and this money is money that I am saving to move to an apartment with my son XXXX XXXX XXXX XXXX that's why this money was provided for him and now I only have {$160.00} left on my account that was {$3500.00}, I am already homeless and this money is all I had to get an apartment but this bank is really unfair toward people money and I think it's just wrong for them not to give me my money back. And these XXXX transactions happen in XXXX I live in XXXXXXXX XXXX and I visit my sister in XXXX please help me with this issue on getting my money back from these people
Consumer complaint received 2023-03-14
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. (MI)

Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " XXXX XXXX. '' The text says in part, " I'm reaching out as we were notified by XXXX, XXXX and Experian of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an NMLS number.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have had my credit report " unfrozen '' without my knowledge several times, most recently on XX/XX/2024. This causes unauthorized hard inquires. I have been told that my online account login information was changed by a bad actor gives them access to my credit report. Transunion has consistently told me that the security questions they ask are enough security, but since this person has stolen my identity, they have access to all the answers for the questions they ask.
Consumer complaint received 2023-07-18
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. (FL)

XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FALSELY REPORTED ON MY CREDIT REPORT THAT I WAS LATE FOR THE MONTH OF XXXX. MY PAYMENT WAS DUE ON XX/XX/XXXX AND I MADE MY PAYMENT ON XX/XX/XXXX SO HOW COULD I POSSIBLY BE LATE? XXXX XXXX RUINED MY CREDIT RATING AND BROUGHT MY SCORE DOWN DRASTICALLY. SINCE I'VE BEEN WITH XXXX XXXX I HAVE ALWAYS MADE IT MY BUSINESS TO PAY THEM ON TIME AND I'VE NEVER HAD A LATE PAYMENT. I AM TRULU DISTROUGHT AT THEIR ACTIONS.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Dispute # XXXX There are XXXX fraudulent transactions that took place on my lost debit card, I originally attempted to dispute directly with chime bank and they denied it less than XXXX hours later with no proper investigation or evidence that it was not done in error. 

I did not authorize or make these transactions with the merchant XXXX XXXX XXXX XXXX - {$240.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  - {$5.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX - {$45.00} XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$80.00} XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX - {$24.00} XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (NY)

I am writing to address a serious matter regarding the Monterey collection information associated with my credit report. I have recently been experiencing persistent harassment from your company over the phone, insisting on a debt that I am not obligated to repay.

Firstly, I want to emphasize that I have no prior knowledge of any involvement with the Monterey Collection. I never took out a loan, nor did I enter into any agreement to make payment towards a loan account. In light of this, I want to stress that I am not a debtor, but rather an innocent victim of your company 's erroneous practices.

You must take immediate action to rectify this situation. I kindly request that you promptly remove any references to the Monterey collection from my credit report across all three major credit bureaus. This is crucial in safeguarding my financial reputation and ensuring that my creditworthiness remains intact.
Consumer complaint received 2024-02-14
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: Mr. Cooper Group Inc. (CA)

Received notice from Mr. Cooper ( Nationstar ) that there was a security breach and that they are offering limited time identity theft protection through " XXXX ''. 

On their phone line you are asked " is this regard the recent " cyber incident '' '' before selecting what your call is about and where you want to be transferred. Then when I went to the website for another matter I noticed at the top of their menu page : System Update : We want to thank our customers for your patience as we have continued investigating the recent cyber incident. For the latest information, please click here. 

XXXX XXXX XXXX XXXX  ) Seems so made up/false flag to get their customers to sign up for protection, for god knows who : incident, XXXX. 

Credit bureaus have no place selling protection services anyhow -- it's THEIR job to monitor ; therefore protect the integrity of that credit... .not profit from it = conflict of interest ... and I'm sick of it being allowed. 

Thanks rf
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-07-13
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. (KY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Southwest credit system are trying to collect debt from me that I do not owe. This account was opened XX/XX/XXXX and there is a past due of {$2500.00} as of XX/XX/XXXX. I'm sure that this is a result of identify theft. I been using XXXX for years now and i've been paying my bills on time so I don't understand why there is is so much debt on this account.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I opened a checking account in XXXX  with Citibank after receiving a promotional flyer in the mail offering a {$400.00} cash bonus after depositing a certain amount and keeping it in the account for 60 days. I honored my side and followed all of the rules and criteria to qualify, and the bonus was not ever deposited. When I called, I got the run-around. A dispute would be opened and it would be 'resolved ' by Citibank saying that I did not qualify for that promotion, even after I submitted documentation showing the flyer and all of the criteria followed. It has been a complete disappointment.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

I applied for a car loan from wells fargo dealer and noticed i was marked late for every payment on my credit report. I called wells fargo dealer services for 3 months and they reported they were charging me for car insurence as well I already had my own car insurence and provided proof.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-12-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

I was on a company phone plan which used XXXX and upon changing jobs needed to get onto my own phone plan. I had intended to just keep using XXXX, ultimately they could not get my phone to work and switched providers, but eventually I started to receive a bill just for getting of my company plan. They were never able to provide any such agreement or reason that would require this exorbitant {$350.00} cost and said the issue could not be resolved and was sent to debt collectors who have been harassing me since.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request the removal of incorrect information from my credit report, which I obtained from Equifax. Upon reviewing the report, I discovered several inaccuracies that require immediate attention : 1. Charge Off from XXXX XXXX : There is a charge off listed from XXXX XXXX, which has been paid in full. Therefore, it needs to be removed from my credit report immediately due to incorrect reporting. 

2. Incorrect Late Payments : Additionally, I noticed eight late payments listed on my credit report, which are incorrect and should be removed promptly. 

3. Inaccurate Account from XXXX XXXX XXXX : XXXX XXXX XXXX is reporting inaccurate information about an account that they have not provided validation for. This account has been paid in full and needs to be removed immediately. 

I kindly request that Equifax investigate these discrepancies and take the necessary steps to correct them as soon as possible. I also ask for written confirmation of the corrections made and an updated copy of my credit report reflecting these changes. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me if you require any further information or clarification at XXXX or XXXX. 

Thank you for your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-29
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. (NY)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-04
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-17
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. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (CA)

I got an email today. From persolve legal group about a debt from XXXX XXXX XXXXXXXX. I do not owe XXXX XXXX XXXXXXXX any money. I have a FTC report and police report my identity been stolen. I request company to send me application so I can file this to police report. I am requesting this case to be dropped and not be put on my credit report
Consumer complaint received 2023-05-09
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: 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 Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXX