davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (FL)

I have requested documents from CRA and debt collector for proof that the accounts being reported on my credit belong to me but all that is done is that in information is updated and there was not a reinvestigation done or account DELETED from my report XXXX : XXXX account # XXXX amount {$590.00} Date open XX/XX/XXXX they say they have the deed a defaulted mortgage but i have never purchase a house : XXXX XXXX Account # XXXX amount {$870.00} Date open XX/XX/XXXX XXXX : XXXX Account # XXXX Amount {$590.00} Date open XX/XX/XXXX XXXX XXXX  Account # XXXX Amount {$870.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2400.00} Equifax : XXXX Account # XXXX Amount {$2400.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2800.00}
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (FL)

In accordance with the Faire Credit Reporting Act, XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (GA)

I am writing to express my serious concerns regarding a matter of identity theft and its impact on my credit report, specifically in relation to the debt collection activities associated with this unauthorized account. This charge was added recently as a collection account and when Credit Management was contacted they stated they didn't see this account showing under my correct ssn, dob, and address. 

Upon discovering discrepancies on my credit report, I initiated the dispute process and provided all necessary documentation to support my claim. Regrettably, the resolution of this matter seems to have stalled, particularly with respect to the debt collection agencys actions. 

I wish to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to fair treatment and prompt resolution of disputes. The delay in addressing this issue not only impacts my financial standing but also raises questions about compliance with applicable laws.

I believe there may be a violation of credit laws in the debt collection process related to my case. I request an immediate and thorough investigation into this matter, ensuring adherence to all relevant laws and regulations. Additionally, I would appreciate timely updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2023-08-05
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (NC)

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.
Consumer complaint received 2024-02-01
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. (MO)

XXXX XXXX  and EXPERIAN is still lying about disputes ready to view, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

For 2 Accounts, THD/CBNA ( Home Depot Credit Card XXXX Account # XXXX the report my payment late for XX/XX/2023 to the credit bueru
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

Chase, through their Chase Offers program, was offering {$50.00} cash back for {$500.00} spent on the Chase Travel platform before XXXX XXXX. I made three separate purchases : XXXX XXXX for {$300.00} ; XXXX XXXX for {$170.00} ; XXXX XXXX for {$68.00} for a total of {$540.00}. 

As I was not credited for this by XXXX XXXX, I called Chase to flag this issue and request a credit. 

I received a letter on XXXX XXXX, dated for XXXX XXXX, that this offer did not exist. 

I called on XXXX XXXX and informed a supervisor that I do indeed have a screenshot of the offer. They asked me to send the screenshot through their online portal, which has had an issue with uploading documents. 

I have since called to follow up on XXXX XXXX and was informed that the marketing team is claiming that the offer did not exist and the company did not offer another way to upload documents.
Consumer complaint received 2024-04-08
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. (NM)

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 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 2023-08-05
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: EQUIFAX, INC. (GA)

XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown. 


REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO
Consumer complaint received 2018-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I HAVE MADE PAYMENTS TO 2 PORTFOLIO RECOVERY ACCOUNTS EVEN THOUGH THEY WERE NOT MINE. I WAS TOLD THAT IF I PAID THE ACCOUNTS THEY COULD BE REMOVED FROM MY CREDIT REPORTS WHICH WAS CLEARLY INACCURATE INFORMATION. I HAVE DISPUTED THE ACCOUNTS AND SENT 611 LETTERS TO HAVE THE ACCOUNTS REMOVED BECAUSE THEY WERE NEVER MY ACCOUNTS. MY PERSONAL INFORMATION HAS BEEN STOLEN ON SEVERAL OCCASIONS. THEY SENT A LETTER SAYING THEY ARE VERIFYING IT'S MY DEBT BUT IT ISN'T AND EVEN AFTER IT BEING PAID THEY STILL REFUSED TO REMOVE IT. I HAVE REPORTED FRAUD ON MY ACCOUNT BUT THE SITUATION STILL HASNT BEEN RESOLVED. I EVEN OWNED UP TO THE DEBT IN AN EFFORT TO GET IT REMOVED ALL TO NO AVAIL. PLEASE HELP.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year>
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION (DC)

My SNSC Complaint to CFPB | XXXX XXXX XXXX My primary problem is my mortgage servicer : o is not allowing me to make any payments on this financial product for my personal residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and o is suing me to take my home from me in foreclosure court at this moment despite receiving federal funding and personal payments as stipulated for a XXXX statement. 

Previously, I paid on this monthly note via my online account to debit my checking account, but I no longer have access to my account to post a payment. 

Documents are arranged chronologically and numerically labeled for reference : Pages Date Amount Communications XXXX XX/XX/XXXX {$340.00} Proof servicer was added to homeowner insurance policy, as SNSC requested XXXX 

XXXX XXXX XXXX  {$410.00} Proof servicer locked me out of my account to not allow access to make XX/XX/XXXX payment on my financial product without incurring a late fee. 

XXXX XX/XX/XXXX Proof servicer has been paid in full for mortgage arrears and forward-facing payments on behalf of homeowner. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4500.00} Monthly statement indicating total amount due with late fees. 

XXXX XXXX XXXX  {$4600.00} Default notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$63000.00} Default notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$3600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Past due notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$3600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Proof of condo association property / hazard insurance certificate. 

XXXX XX/XX/XXXX {$1700.00} Monthly statement indicating total amount due with stipulation unapplied payment reversals and regular payment with adjustments. 

XXXX - XXXX XX/XX/XXXX {$29000.00} DC Homeowner Assistance Fund final payment for financial product. 

XXXX XXXX XX/XX/XXXX {$3500.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Monthly statement indicating total amount due. 

XXXX XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due. 

XXXX - XXXX XXXX XXXX -- Monthly statement indicating total amount due. 

XXXX XXXX XXXX XXXX {$1700.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX {$1500.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX -- Loan activity XXXX - XXXX XX/XX/XXXX {$1500.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX -- Basement unit floor plan of my home.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems has reported a collection to public consumer credit file with the credit bureaus in the amount of {$730.00}. Southwest Credit Systems has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. The debt that Southwest Credit Systems has reported to my public consumer credit file is not valid thus Southwest Credit Systems has no legal right to report this to my credit and attempt to collect a debt. I never authorized any accounts in relation to the debt amount of {$730.00} which is what Southwest Credit Systems is reporting. Reporting these invalid debts to my public consumer credit file is a violation of the FCRA.
Consumer complaint received 2023-04-13
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. (CA)

My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

Since XXXX XXXX  I started using the CITY credit card, the initial interest was 22.99 %, at the present moment I realize that the interest is 29.99 %. I have been making my payments on time every single month without fail. 
I have called the company several times inquiring about an answer, even though I did not receive any notification from them 45 days before every time they raise the interest.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DigniFi (TX)

DignifiXXXX XXXX is misrepresenting there lines of credit stating that these line of credit are loans forcing hundreds of thousands of unknown or unconscious consumers into promised to pay bonds and charging interest on consumers own credit worthiness and misinforming them of their lines of credit according to XXXX XXXX and public law XXXX and bill exchange act of XXXX see request attachments.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (UT)

ISSUE : Unable to access my deposit balance of over {$84000.00} after repeated attempts for over 8 months. 

Background : I am an XXXX XXXX XXXX and was the victim of a identity theft scam. In XXXX XXXX XXXX  I realized that my personal information, including bank account information was potentially exposed. On realizing this, I called and placed a freeze on my Marcus account to prevent any losses from unauthorized withdrawals. 

Subsequent to the freeze being placed, I called the Marcus help line repeatedly to unfreeze my account and set up new login credentials. With each attempt I was met with service representatives who either could not assist me or would not follow through the necessary steps to resolve my issue. 

The Marcus help line has indicated that I need to manually complete a notarized Affidavit of Identity, however when I request that they mail that form to me, they indicate that they will but it never arrives. I have confirmed my mailing address with them several times and have requested this form several times and am still waiting to receive it. 

I independently found an older Affidavit of Identity form online, filled it out, had it notarized and submitted it to them. The help line indicates they received this from but that it is not valid as it is missing something. They will not specify what it is missing, and I continue to wait to receive their original promised form in the mail. 

Since Marcus does not have any physical locations, I am limited to calling the help line. The failure of this model is that I am forced into talking to a different person each time I call. And the help line employees indicate that they are prohibited from calling me or personally following up with me in any other way. Thus it has been impossible to get a resolution to my issue. I simply get told that the form is in the mail and to wait for it. 

I am on a fixed income and in need of access to these funds. This issue has caused me no small amount of concern and stress, and the longer this issue continues, the more concerned I become.
Consumer complaint received 2024-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IL)

I was seeking to repair my credit by utilizing a credit building account with Self Financial. They require that you submit collateral for a CD which is placed in an interest bearing account. You make monthly payments which are then reported on your credit report. I never submitted the required collateral, as required by the agreement and they reported my " account '' as 30 & 60 days past due respectively because I didn't make any payments. But I didn't make any payments because I hadn't submitted the required collateral payment to fully execute the contract. This was XX/XX/2018. This is ruining my credit. I don't owe these people any money because I never received a CD.