davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

I received a letter from The Home Depot Citibank card services that there was possible fraud activity on XX/XX/XXXX. I called XX/XX/XXXX to update information and get a new card. There had been charge attempts, but they declined per the representative. My spending limit had also been increased from XXXX to XXXX, which I never authorized. My online account had seemed to be hacked so I changed my password, updated security questions, and added email and text notifications. In the middle of all this I realize that when adding my husband onto the account as an authorized user years prior they actually removed my name and replaced it with his. Meaning the account was his name and my DOB and SS causing even more confusion on who they would speak to regarding the account. Two weeks later, XX/XX/XXXX or XXXX, I logged into online account to find an estimated {$3000.00} charged to the account. I called CitiBank again and was informed that the card was never closed or reissued. They then closed the card, reported the charges as fraud, and issued a new card. Still having to deal with his name and my ss and dob. New cards were received and locked in safe. XX/XX/XXXX, I receive an email that my online account had activity again, so we called Citibank and requested that the credit account and the online account be permanently closed. The representative tried to convince me to keep the account and they would send me yet another new card and I refused. I will follow up in a week with them to confirm the account is closed.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain LVNV FUNDING : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

Two unauthorized transactions took place on XX/XX/22 at XXXX in a different city for the amount of {$410.00}, {$200.00} each. As soon as I noticed it I cancelled my card and waited until XX/XX/22 until the charges were not pending anymore. The next day on XX/XX/22 I received an email from Chime stating that no error has occurred. They didnt contact the merchant or launch any investigation. I do not have my cards in possession I believe they weee either lost or stolen.
Consumer complaint received 2024-05-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I spoke with national credit ajust and explained to them, I made a settlement with the original creditor which is XXXX XXXX XXXX XXXX  and I have the proof. XXXX XXXX and I settled for XXXX. Before we settled it was on my credit but after we settled the credit bureau took it off my account ( when I provided proof of the settlement ) National credit then submitted a collection for the very exact apartments XXXX XXXX XXXX  so now those apartments are back on my record. I have kids and it's not right for them to submit false information, That's considered fraud, and it's going to deprive me of my freedom to live where I want, it's depriving me of 14th amendment Due process. It's not fair I make the settlement with the original creditor, which I have the bank charge proof, the document from XXXX XXXX of our settlement and documents from them confirming what I owed and it gets taken off my record and then national credit duplicates the collection on the XXXX XXXX The date I made the settlement with the original creditor for XXXX XXXX was XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  is when national credit put the same apartments back on my record requesting collection
Consumer complaint received 2023-11-08
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (NJ)

Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment any on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX I was wrongly denied a legal loan modification agreement by Wells Fargo Home Mortgage for my FHA 30 year fixed loan. WF refused to rewrite the terms of my mortgage fairly by offering a FRAUD modification agreement under HAMP Trial Period Plan. I fairly demonstrated my eligibility during a trial period. I am requesting WFHM to provide a fair modification agreement to add the delinquent amount to my principle balance by adding 3 months to the term, keeping the same rate/not increase the rate ; along with removing {$30000.00} off of my principle balance by the XX/XX/XXXX due to their negligence or action will be placed. I will file this HUD and SIGTARP as well. 
As you can see WF offered a Home Affordable Modification Trial Period Plan ( HAMP ) Plan-see documents attached. As this program expired in XX/XX/XXXX. I contacted HUD as their confirmed this info. I informed XXXX with WF of this info 4 weeks ago as he indicated he would research as I havent heard back. Even though WF aware  of my financial struggle in trying to keep up with mortgage payments and lower income ; they never tried to sincerely and fairly assist me in a proper plan. I asked the counselor at the time XXXX XXXX if they could reconsider another program as this plan wouldnt help me WF adding SIX YEARS to my loan for being {$2000.00} short/delinquent or 2 1/2 payments behind. This seems as if its helping WF by XXXX. To XXXX due to the increase in term and rate. How would this help me? It helps WF $ $ $ $ I missed XX/XX/XXXX and XX/XX/XXXX payments due to a layoff. I contacted WF and was assigned to XXXX XXXX. I completed paper work. The fake program was offered. I also request to provide the terms and conditions along with APR, amortization as they refused to provide. The only provided the amortization and I received it AFTER they indicate they would provide before my MOD Agreement expired. I also asked to remove the MIP as they refused to remove and I am still paying on it. See attached. As you can see my payments NEVER DECREASED. My made up a lie and excuses by stating escrow increased. IT Didnt increase, My mortgage insurance and taxes DECRESED! Im exhausted with the unfair treatment and false actions and statements. Please review and let me know if my rights have been violated. Documentation is attached for your review. WF should be a part of a Class Action as WF continues to do whatever they want and I have no rights. WF never sincerely made an attempt to assist me, but bogusly sent fake info to set me up for foreclosure. Not fair.
Consumer complaint received 2023-04-26
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. (TX)

TRANSUNION is obligated by the FCRA to report accurate accounting. Me the consumer has advised ALL the inquires reported as fraud. TRANSUNION has 4 days according to the LAW to remove such inquires. FTC fraud report was filed and is attatched to this dispute, I am requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by me the 'consumer '. TRANSUNION has to provide me with the name of the person spoken to, documentation used, signed application with consumer 'MY ' wet signature. If TRANSUNION does not have these documentations to show these were in fact authorized within 15 days I demand you delete this inquiry immiedately from my consumer report. I have attatched my drivers license for proof of identity so you can access my consumer file. I also have attatched the FCRA law along with my dispute.
Consumer complaint received 2023-11-08
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. (OH)

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (OK)

Someone opened this Self Lender account fraudulently in my name in an attempt to steal my identity and use my credit. I never opened this account and I have no knowledge of who did. This account is a result of stolen identity and needs to be closed and removed from my credit report immediately.
Consumer complaint received 2023-11-08
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. (MD)

Experian has not replied to my dispute. I am asking Experian to delete the fraudulent accounts form my Experian Report. 

XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX, Account # : XXXX
Consumer complaint received 2023-11-08
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2023-11-08
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. (NY)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ {$54000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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.
Consumer complaint received 2023-08-03
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: Resurgent Capital Services L.P. (FL)

I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2023-08-03
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: CAINE & WEINER COMPANY, INC. (FL)

I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Amsher Collection Services, Inc. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2023-11-08
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (VA)

On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error.
Consumer complaint received 2023-11-08
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. (GA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX