davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
Please see the above inquiries as well. 


I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX  XXXX - I do not know what this is. Please investigate and remove from my report. 
XXXX  XXXX - XXXX
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (WV)

On XX/XX/ I received a credit monitoring alert that two new accounts were reported on my credit report. I logged in to view the information to find two student loans that were opened in my name. one for {$2000.00} and the other for {$1100.00}. ( I have never attended college or a trade school ) I contacted the bank who serviced the loans and they were no help and said to wait 7-10 business days for a letter to come in the mail. I contacted the school XXXX XXXX XXXX, in XXXX WA. They told me the suspect also received federal and state grants in my name. They refused to discuss any details of this with me nor did they even want my information to follow up.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-01
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. (ME)

Have had this credit card for approximately 30 years and the service was fine until last XXXX od 2022. Since that time I have had several fraudulent charges and trying to resolve is nearly impossible. I am XXXX XXXX XXXX with XXXX XXXX XXXX and the customer service system that Citi uses is horrendous, As a retired AT & T manager I did some investigation and Citi uses XXXX  with VOIP for its customer service system and its quality of transmission is extremely poor. Trying to settle the problems is nearly impossible and even after sending several emails and letters there is still outstanding problems. 
Since XX/XX/2022 I have had more than a half dozen fraudulent charges, new cards issued and nothing significant has been done to solve the customer complaints. Their customer service is terrible and some charged have taken over 6 months to resolve. New cards only create significant problems for the customer to inform all the various companies the cards are used for. 
The need is two fold, an improved customer service and why so many fraudulent charges? I have been a good customer all these years and am being treated poorly. I expect better.
Consumer complaint received 2023-09-21
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number : 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 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

XXXX XXXX Purchase of Goods or Services {$130.00} XXXX XXXX XXXX XXXX  Purchase of Goods or Services - {$150.00} XXXX XXXX XXXX XXXX Purchase of Goods or Services XXXX - {$100.00} XXXX XXXX XXXX XXXX # XXXX Purchase of Goods or Service- {$2.00} XXXX XXXX XXXX XXXXXXXX # XXXX Purchase of Goods or Services - {$2.00} XXXX XXXX XXXX XXXX Purchase of Goods or Services XXXX - {$130.00} XX/XX/2023 XXXX Purchase of Goods or Services {$120.00} XXXX XXXXXXXX XXXX Purchase of Goods or Services - {$130.00} XXXX XXXX XXXX Purchase of Goods or Services - {$130.00} XXXX XXXX XXXX  Purchase of Goods or Services XXXX - {$10.00} XXXX XXXX XXXXXXXX XXXX Purchase of Goods or Services - {$160.00} These are fraudulent transactions which XXXX XXXX denied from my dispute although Ive contacted police.
Consumer complaint received 2023-05-05
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. (PA)

I wrote 3 letters and mailed certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three credit bureaus indicating that were reporting incorrect and invalid information and unverified accounts on my credit report. I have requested the three credit bureaus to update all true and correct information regarding 1 name on my account, 1 address, and 1 employment. I have requested all three bureaus to remove all non-holding accounts inquiries over 30 days. I have asked all 3 credit bureaus in these letter to provide the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor, and the documentation that was used to verify the dispute. I have not received any information, documents, or proof to my request on these unverified accounts. I have also reached out to the creditor companies on XX/XX/XXXX via certified mail and a few have responded but have not sent in the requested information to verify the accounts such as an application with my signature, bond, or an agreement for any debt.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I'm a victim of ID Theft starting on XX/XX/2017. It took me a while to notice illegal activity on my account after I work at home for a former employer who used my identity to have an access to my Checking, Savings and Credit Card accounts with Chase Bank.

I suspected that my former employer used my SSN, my name and my checking account that was on the direct deposit form that I filled it out for direct deposit paychecks.
Consumer complaint received 2024-05-23
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. (MI)

My husband and I have filed disputes with the credit reporting agencies because someone changed our address fraudulently with the US post service. This fraudulent address shows up on our credit reports at all three agencies. The agencies refuse to remove it, even though it was part of an identity, theft scam.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

I am filing this complaint to BARCLAYS BANK DELAWARE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2018-05-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I was denied credit due to a collection placed on my report by PRO COLLECT collection agency. I was not notified that they were putting anything on my credit nor was I even aware of the debt. I don't owe any money to XXXX XXXX. It is for XXXX this is an error. 
I sent for proof of this debt to Pro Collect several times and they continue to just ignore me. They won't respond. This is not right and a violation of the law
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I received a letter from American Coradius International LLC stating that I owe {$110.00} on {$29.00} that I owe to XXXX XXXX. The issue is that I don't and have not had a XXXX a balance owed. There are no delinquencies listed on my credit report. I never received a notification from XXXX that I owed the {$29.00} and only learned about once I received the letter from ACI claiming they were trying to collect a debt. This is 100 % fraud!
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, 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. (IL)

These fraudulent accounts do not belong to me XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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. (CA)

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 an 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. 

List of Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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. (VA)

I have contacted Experian to investigate an inaccurate account on my credit report. Despite stating an investigation was completed and that the account is verified and accurate, there are still erroneous and inaccurate information regarding this account. According to my credit report, the account was charged off as of XX/XX/2022. Since then, the account has repeatedly been updated as charged off every month. Please see the screenshot to the left. This is an update in the payment history, which to my understanding, charged off accounts SHOULD NOT include an active payment history. This also falsely manipulates the statute of limitations. I am demanding a deletion of the following account : XXXX XXXX, Account # : # XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. XXXX XXXX XXXX XXXX  U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. XXXX XXXX  XXXX As a consumer, I firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a swift resolution and the restoration of my financial stability and peace of mind.
Consumer complaint received 2023-10-05
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MA)

There was a promotional offer with this bank issued the store credit card to pay the full amount within one year to avoid getting interest charges. This offer ends on XX/XX/23 I was traveling overseas and as soon I got back I gave the bank a call on the XXXX to process the payment and waive the interest charges in the amount of {$500.00} XXXX which the bank represented agreed to do if the payment is received in full before the charged interests. I could not process the payment on my end since I did not get the correct amount balance prior the charges so I called the bank on Tuesday however the department responsible for processing the payments was closed for the day. Called again today XX/XX/XXXX to process the payment before the interest charges have which I did pay {$730.00} however the bank representative did not honor the interest charges waive agreement and did not even accept to calculate the days I was late to make a payment after the offer expires so I can get only charged for those days not the entire month. Please review and your feedback is highly appreciated!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

TansUnion - did not record or has no record of this account XXXX - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found XXXX - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living 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.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Analysts of MN, Inc. (FL)

Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.