davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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. (MN)

This is my 2nd 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, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-07-28
Product: Credit card or prepaid 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. (TX)

- Dispute ID : XXXX - Transaction Date XX/XX/2021 ; XXXX XXXX XXXX, XXXX XXXX, NV ; {$6400.00} - Complaint filed with Citibank stating unknown vendor ; no contact info about the vendor - On XX/XX/XXXX, Citibank approved the charges ( without providing any proof of the transaction from the vendor ) - After multiple follow-ups, the dispute is reinstated, however, no resolution to-date ( XX/XX/2021 )
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting Agencies , XXXX, XXXX, and Equifax. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( XXXX ), No date ( XXXX ), No date ( Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), -- ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by XXXX, XXXX and Equifax but none of these companies has responded with absolutely certainty of the accuracy of these information.
Consumer complaint received 2023-12-05
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MA)

Erroneous balance transfer to my credit card. Its was added to my Citi card from a XXXX XXXXXXXX, each bank is claiming its the others issue and can offer me no help. I now have a {$4000.00} debt that isn't mine and no help. Each time I called Citi I was told to wait 2 weeks and it would be resolved. The transfer happened in XXXX : XXXX phone calls to Citi and a month and a half later later and no evidence of an investigation they said was done and completed, despite multiple requests. I was told to call XXXX, and XXXX had no information on their end as it wasn't from my XXXX account so they said there's nothing they could do. Today XXXX I called Citi and was told the investigation was completed and now XXXX has to do an investigation but they can't tell me if they are.I called XXXX and was told Citi needs to take care of it. I sent XXXX a secure message with my Citi statements. Each bank is claiming its the others issue, I am left with {$4000.00} debt and no help or communication.
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

They are billing me for insurance from a company I requested a quote from, quote wasnt competitive and I stayed with my existing Insurance Company. Not sure how this company has come to collection on my credit. I wasnt notified by mail prior to the item entering my credit report. 

Company Fails to Remedy the Account and Continues Collection Efforts when the Account is not valid
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with XXXX, XXXX and TRANSUNION on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with XXXX, EQUIFAX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX, XXXX, and XX/XX/2023 I requested that all invalid information such as incorrect name and address be erased. As of today, they have not done it, The names aren't mine and the address is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2023-10-09
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MI)

Jefferson Capital is reporting inaccurate information on my credit report. For one. The date of XX/XX/XXXX is not accurate. I've not had XXXX XXXX since XXXX. I've not made one payment to Jefferson Capital nor admitted this debt. Secondly- the amount they are trying to collect is inaccurate. I've reached out to XXXX XXXX requesting information pertaining to my account with XXXX XXXX. I'm requesting the inaccurate information be removed from my credit report immediately! XXXX XXXX
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NC)

I tried to make payments by logging into my account. I had fraud activity on the account which I reported to them. They never contacted me about the fraud either through mail, email or phone. Instead they locked me out of my account and I was unable to make payments. Affirm NEVER reported any of my positive payments. They locked me out of my account, prevented me from making payments then reported all of the late payments to XXXX who happily reported the negative information.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

XX/XX/XXXX XXXX XXXX Tuesday evening. I received my Equifax credit report in the mail and you have my name wrong it should be XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX because I changed my name as of XX/XX/XXXX so it looks like someone has changed my name back which is fraudulently unauthorized. I want all names deleted besides my new name. I want all addresses deleted. I want all phone numbers deleted and have no phone number on my account. I want all inquiries deleted especially XXXX XXXX because I did no such thing with XXXX XXXX because I have been discriminated against by people who are using my identity for 20 plus years as if my stolen is portfolios is there. And since you have the wrong name then that means you have the wrong information and I want every address deleted because I did see the address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX as well as XXXX XXXX XXXX XXXX XXXX  XXXX with the without the apartment XXXX XXXX Nevada XXXX needs to be deleted off my credit report. As well as XXXX XXXX XXXX address XXXX XXXX XXXX XXXX Texas XXXX date open XX/XX/XXXX and was put on chapter XXXX XX/XX/XXXX. It needs to be deleted off my credit report please. XXXX XXXX is stalkers and they need to get off my credit report I have no knowledge of these people I don't even know why they keep continue to being on my credit report will you please get these people off my credit report with the address of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX as of XX/XX/XXXX is Ally please get this off my credit report thank you. Another one that needs to get off my credit report because they are stalkers I have no knowledge of these people I owe them no money I have been dealing with this every since XXXX and trying to remove these stalkers off of my credit report and their name is XXXX XXXX XXXX.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items 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 XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, COASTAL XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

Account was not changed even though I asked for a report and or original file. Under law 15 USC1681g I am due that process through an investigation.
Consumer complaint received 2024-04-07
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( Equifax XXXX, XXXX is XXXX XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

On XX/XX/2023, I received a notification from the credit bureau that my credit score decreased by XXXX points. Upon checking, I noticed a new collection account from Helvey & Associates. The collection amount is {$220.00}. I have never received any communication from this company to even dispute, acknowledge or look into the debt, There is no original creditor listed and I have never done any business with Helvey & Associates.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (OR)

On XXXX I had a transfer of {$500.00} from XXXX XXXX XXXX XXXX ( Checking ) going to American Express ( High Yield Savings Account ). On XXXX I closed my XXXX account when I switched to XXXX. I received a letter in the mail from AMEX stating my account was closed due to suspicion of fraud approximately XXXX weeks later. This is simply untrue and I only deposited {$500.00} when I initially opened the account. I contacted American Express right after getting the mail and customer service said I will receive a physical closure check, since XXXX wouldn't recall the funds for me, explaining they stated it isn't possible for them to recall funds from a verified transfer. On XX/XX/2023 I had my name officially changed and have a court order for. Approximately a month later I contact XXXX XXXX again and asked about my closure check, I was told that my closure check still needed my address to be verified over the phone. Then he stated he'll have the check expedited. I called again approximately 3 weeks later and after XXXX XXXX of being on phone calls I was told " the only way to get your money back is by having XXXX recall the funds '' which XXXX won't do. AMEX stated the reason is because they can't " verify my identity '', regardless of how much proof I show them. I've spent approximately XXXXXXXX XXXX of my valuable time trying to get my money back over the course of about 4 months and I refuse to give up now and I will take further action if necessary.