davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL XXXX LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAIONXXXX # XXXX
Consumer complaint received 2023-12-02
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. (CA)

FOR THE PAST FEW YEARS NOW I HAVE BEEN NOTICING FRAUDLENT ACCOUNTS AND INQUIRES ON MY CREDIT. WHEN REPORTING THE FRAUDLENT ACCOUNTS ON FTC WEBSITE IT STATES THAT PER 605B THE ACCOUNTS AND INQUIRES NEED TO BE BLOCKED.
Consumer complaint received 2023-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-25
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)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX ) XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an 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 a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-09-22
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. (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.

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 inructions 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 2023-08-31
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-18
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, XXXX, and XXXX, XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score. 

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately! 

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I was cold called by Amerisave Mortgage on Saturday XX/XX/2024, and was told that I had my credit score was good for me to apply for a Heloan. I told the loan officer that I more than likely wouldn't get approved because of DTI ratio. The loan officer convinced me to let him try. So I relented and he ran a hard inquiry on my credit after I paid a {$24.00} fee. He came back and said good news! You've been approved, but first I need to get an appraisal on your home and I will need {$500.00} for the appraisal. I was reluctant, but was assured that this was a formality, and I was already approved for the loan. No movement or phone calls from Amerisave after that until I called, and texted, and left messages about the hold up with the loan, and twice I was told it was an IT issue on the appraisal portion. I asked how is that when I thought a real appraiser was coming to my house to do an appraisal, but the loan officer said no the {$500.00} fee was for something called and lock and shop. That's clearly not what he told me from the outset. Now almost XXXX weeks later, and I have been emailing the processor back and forth about the hold up after getting all the income documentation in that they asked for ; now they say that the DTI was too high and the loan was sent back to the loan officer to re do. I am completely upset, crushed, and infuriated! I don't have {$500.00} to just give to people like this! I feel completely defeated and scammed!
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I would like 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

This is not a duplicate complaint. This company has been notified in writing to cease and desist from contacting me and they have continued to call. When I complain about a new violation that they have committed they simple say its a duplicate account. They also refuse to provide me with a debt validation letter.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MI)

I wanted to buy some furniture for my new apartment from IEKA. Oeople work there suggested me to apply for IEKA Projekt Credit Card due to its installment plans for up to 24 months with 0 % APR. then I applied for that Credit Card. I got it in 2 weeks. I am picky on applying for cards or loans do to my inquiry issues. That is why I decided to at least apply for this card and get the chanc to pay monthly, as costumer service in IKEA suggested. I did my ourchase on Saturday and cashier told me we can not do the instalment plan, we have no idea what it is?. Then, manager came and said ive never heard anything like this.! I called comenity bank on Sat, Sun, Mon, Tue. They tried to transfer me to payment section. After waiting for 20-45 mins, dropped out of the connection. Even a representative gave me 2 fake numbers ( see here XXXX XXXX XXXX XXXX ) None of the representatives talk proper enhlish, confused about how many XXXX in the number!!! I gave up today! That is why I wanted to open a complain in here! 

Please help!
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARILION CLINIC (VA)

I received a bill from XX/XX/2021, from Carilion, XXXX XXXX XXXX. The bill says I owe {$1200.00}, for an unpaid " XXXX XXXX ', filling. I contacted them last XXXX, after receiving the XXXX year old bill, letting them know Ive never had a workers comp file. That they needed to file it properly under my fully covered, XXXX, that I had then and have still, now. The girl I spoke with said she would re-file it, but instead, Im receiving a collection bill from XXXX XXXX
Consumer complaint received 2024-02-29
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: Headwaters Financial Corp. (VA)

An unauthorized hard credit inquiry was placed on my credit report on Saturday, XX/XX/2024 by Headwater Financial, LLC. I was in contact with XXXX XXXX XXXX XXXX XXXX to strictly receive information on their motorcycles and financing options. I was told that they only utilize soft inquiries, and I never signed or submitted an application or provided written or verbal consent for a hard credit pull to take place. I have a written letter and numerous email and text message conversations demonstrating from the salespersons and finance manager that they only utilize soft credit inquiries and a hard inquiry should have never transpired. I have contacted Headwater Financial, and they have been unwilling to assist me with contacting the credit bureaus to ensure that this hard inquiry gets removed from my credit report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I paid off my XXXX XXXX XXXX XXXX  to a {$0.00} balanceXXXX XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXX they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have not lived at these apartments and I have been disputing these charges for years since COVID 19. I need for these to be deleted off my report.
Consumer complaint received 2023-08-31
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX # XXXX XXXX ga XXXX {$540.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was show to me.
Consumer complaint received 2023-08-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (PA)

This complaint is in reference to a XXXX XXXX XXXX XXXX account that's reporting in collections with a balance of {$11000.00}. 

This company is violating my rights because this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and Security Credit Services is in clear violation. Unless your company can send tracking information on a certified letter REQUIRING a signature as proof that I received this letter, please cease any future emails, calls and other forms of communications and remove this account immediately. 

In addition, this collection account is reporting as OPEN. This is not under FCRA compliance and my credit report report is supposed to be 100 % accurate. This collection agency has published false misleading misrepresentation and/or deceptive information on my consumer report which has damaged my credit.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

Chime is fraud as I have multiple claims with the same merchant and one is being charged back and other is not. The same evidence applies and they are not doing a fair investigation as they are frauds. I have 2 claims totaling over {$8700.00} and over {$21000.00}. Ive given them proper and direct evidence from the merchant, even a XXXX of my last activity on the merchants site. They need to fix this now or Ill continue to take any action Necessary