davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TN)

I lost the credit card for XXXX. as soon as I noticed that my card was missing I called the creditor : XXXX. I live now in Tennessee for 2 years. my card was used in Tennessee and was used in Florida. I reported this to the creditor and they just told me I was responsible for this. I kept calling them and they did not want to help me. All these charges were fraud. I could not lie or try to hurt my credit this way. I am really upset about this matter. I am a hard worker I don't intend to commit fraud or lie to anyone. Please help me. I can not pay for a debt that is not mine.
Consumer complaint received 2023-12-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NJ)

I am fostering my grandso s. I have a way2go card. Someone transferred XXXX from my card to their account. I reported this and have since been unable to speak to a representative. I am very concerned
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (MA)

My rent check, Check XXXX XXXXXXXX sent through XXXX XXXX, was stolen and cashed. I have not been reimbursed this stolen {$940.00} yet. 

I have my rent check automatically scheduled to be sent through Ally Bank. For my rent due XX/XX/XXXX, I scheduled delivery of this check by XX/XX/XXXX. 

On XX/XX/XXXX, right before going to sleep, I went on my Ally Bank portal to just gloss over my account. I immediately noticed that my check was deposited. This was a red flag to me, as my checks are not usually cashed this quickly by my landlord. I also noticed that the endorsement on this check was different from the usual endorsement my landlord makes. Specifically, this check was endorsed with a signature, and not a XXXX XXXX XXXX stamp. For example, Checks XXXX, XXXX, XXXX, XXXX all have the stamp. Check XXXX ( the stolen check ) does NOT have the stamp, and just has a signature. 

With this information, I checked my landlords portal and saw there was a balance still outstanding. I sent an email to my landlord confirming that they had not received my rent check, then went to bed. 

The next morning, at XX/XX/XXXX, I got an email from my landlord confirming that my check had not been received by them. With that information, I went to the City of XXXX XXXX XXXX Police Department to file a police report about this stolen check. The report number is XXXX. With this police report filed, I called Ally Bank to dispute the stolen check. Ally Bank gave me Dispute # XXXX. This means I reported the stolen check in about 14 hours after the check cleared my account. 

On XX/XX/XXXX, I received notification that my dispute was closed, and that no fraud occurred. 

On XX/XX/XXXX, I called Ally Bank and was told that I could not appeal the decision. 

On XX/XX/XXXX, I called Ally Bank again. I highlighted how I filed a police report, and how the endorsement for this stolen check was different from all the other rent checks that my landlord cashed. Multiple agents on the phone recognized that this check was fraudulent. However, all they did was open a new checking account for me, as my old one was compromised. Beyond that, they refused to help me get the {$940.00} stolen from me back.
Consumer complaint received 2023-12-12
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-15
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)

This is my second 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
Consumer complaint received 2023-12-12
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. (MI)

I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a single mom who has a XXXX XXXX XXXX XXXX I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management. Continues to Contact me about a Debt that is not Mine. Ive asked for Validation Several Times. By Phone and Email No Response. This Alleged Debt that they state I owe. Is not my Debt. I was an Authorized user on a Credit Card. Of my XXXX. XXXX Credit Card XXXX XXXX XXXX. I never signed anything. I was only added On as a User. Apparently He has Fallen behind and they are trying to Collect from me. I want Validation of this debt. They will not Provide.
Consumer complaint received 2023-12-12
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ====================================================== 1

5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

I have received the following answer from Merchants XXXX for my complaint ID XXXX : Hello XXXX, Thank you for contacting MCB. We searched our records and did not find an account under your name, address or Social Security number. If you can provide the name of the medical office or physician 's name we can make an additional search to possibly locate the account. Thank you, XXXX XXXX. 
I would like to answer XXXX that I have only the information which shows on my XXXX credit report. It says that the XXXX XXXX is XXXX XXXX XXXX. 
If you still can not find any matching information in your records please remove my account from the collection. Thank you.
Consumer complaint received 2023-12-12
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. (OR)

XXXX XXXX has been asking XXXX, Equifax and XXXX for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, XXXX and Equifax stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, Equifax and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, Equifax and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, Equifax and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, XXXX nor Equifax provided any. XXXX is retaining legal counsel against XXXX, Equifax and XXXX if these acts of libel and false reports continue to ruin his credit.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I sent letters to Equifax, XXXX, And XXXX Via Certified Mail on XX/XX/ To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my credit report without my written consent is considered Identity theft.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

My XXXX account has unauthorized transactions going on over the last 3 months, and when I tried to dispute it, I am unable to reach anyone in customer service. Then atm fees, and overdraft fees are being overcharged on my account as well. 

Found Business Account was closed during a dispute process and was never able to retrieve missing funds or gain access back into my account. They said they closed it, but when I checked on it, I was told the account was still open and active. 

Providers Bank Card fraudulent and unauthorized transactions from the month of XXXX XXXX XXXX  Normally they assist me in any matter that I have but providing this information for my records and your records as well. 

Wells Fargo still haven't reimbursed me the funds that was fraudulently taken from me and from my XXXX benefits through this account, Forged signature accord to have this account closed, and they been telling for over a year that they will come to a resolution but then hear nothing from them. After we both agreed this account was fraudulent and compromised.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Skopos Financial, LLC (IN)

On XX/XX/2023 I called in to turn off the autopsy option. This company stalled delayed transfered and then finally simply refused to turn it off unless I wrote a letter in to a po box . The website simply said to call. This is a very clear violation of law. I'm going to have to try to get my bank to revoke authorization.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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: EQUIFAX, INC. (GA)

I have several fraudulent inquiries that are a result of identity theft. My credit report shall be fair and accurate and this is identity theft. I do not recognize any of these companies and I demand they be deleted off my credit report 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 Equifax 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 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2023 I paid off the Amount due of {$130.00} to XXXX balance on my Lowes/Synchrony account. In XX/XX/2023 I got a call from collection of the charge of {$75.00} that was late. At that time talking to fraud dept. I asked for it to be disputed to be started for I did not make the charge and at that time Lowes/Synchrony time closed my card and issue a new card. then the phone calls had begun some times up to 3 time a week each time I explain the problem to collection person and they when and checked on hold most case 20 to 45 minutes. I ask to be sent to fraud XXXX. and found out there had no be disputed filed again file aa dispute yup sad they did this when on until XX/XX/2023 they finely file a dispute they have until XX/XX/2023 to decide the out come. In the meant time they file report to credit companies of non payment on 30 day later and balance due credit score drop for XXXX to XXXX other companies cut lines of credit also. Lowes/Synchrony harassment , intimidation and just scare tactics to try to get amount paid no matter what and delaying to trying to get the customer to clean up their mess and pay the bill. They also did not follow Red. E requirements that is set in place by the Gov.
Consumer complaint received 2023-09-21
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: TD BANK US HOLDING COMPANY (CT)

I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. Specifically, I am addressing an alleged late payment that has been reported by TD BANK NA under account # XXXX. 
I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to TD BANK NA. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.