davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Regarding the fraudulent account I discovered on my credit report, I am submitting this complaint. I am contesting an account that has nothing to do with any transactions I initiated or approved. I have filed a report with the Federal Trade Commission detailing the theft of my identity, and a copy of the report is provided. I am an identity theft victim, and my personal information was used to open this account without my knowledge or consent. As a result, I am requesting that you either immediately remove this fraudulent account from my credit report with your company or tell me exactly where you got this information so I can take the appropriate legal action. The fraudulent account I discovered on my credit record is listed below, and it has to be deleted as soon as possible ; XXXX XXXX XXXX Balance : {$50000.00}. Please follow the law and have the challenged account deleted as soon as feasible in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I paid the card off then received a statement saying I owed XXXX for interest talked to a agent on the phone and she stated that since I hadn't pay it off before a certain date I was responsible for that amount but all that it showed was that owed was XXXX and I paid that
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Solutions, LLC (PA)

XX/XX/2022 at XXXX asset recovery solutions LLC called XXXX and violated 15usc1601 by stating part of my social security number before verifying that they were speaking to me only, while I was on the car speakerphone with other people who shouldnt know any part of my social security number and as i mentioned this is a violation the man stated this is a part of their process and he is supposed to say it
Consumer complaint received 2015-04-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc (TX)

Someone keep calling me from XXXX,XXXX. Stating that they are going to serve me papers on my Job. They give them to the HR. I need XXXX forms of ID. That I was a person of Interest. His name was XXXX. File number Doc XXXX. I had a payday loan online 1 year ago ; but my Job filed Bankrutcy ; and closed. I told the company at that time. I called the numbers at XXXX and XXXX and it states if you have an existing loan or in collection that they no longer in business that they have not sold any information to a third party. But everyday I get phone calls from different numbers ; they have all my information. There has been phone calls from XXXX ; I google it. I talked to a Consumer Compaint they tell me it is a scam. I can not rest for these peoples. I had called number back XXXX the lady was rude saying that I have been sued that I need a Lawyer. I told them send it to me in writing ; they are saying they have it in the court. I stopped answering calls that I do not know. I let the social security peoples know about the scam.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Good afternoon I received an email on XX/XX/year> stating that I owe Bank of America {$4600.00} with account ending in XXXX and this is inaccurate information that doesnt belong to me. I been trying to fight this for a while and really trying to get this off my credit report. I havent received any updates or further information. I called customer service and sent emails also. 
Respectfully
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my sixth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (NY)

`In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

I've been trying to contact this company " XXXX XXXX - closed loans '' with no success. During the pandemic COVID-19, I let them know about my payment situation and they informed me that I was protected by the Care ACT and several months later I noticed that Banco Popular reported 2 late payments of 30 days on my credit report no matter they told me that was covered. 

The following months are in XX/XX/XXXX / XX/XX/XXXX. 

In addition I opened a dispute and they " Banco Popular De PR '' won't make the proper changes. 

Also, this load has been paid un full on XXXX XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I deposited a check in the amount of {$10000.00} through the Chase Mobil App. I received a confirmation of the successful deposit of the check, followed by the email from chase online banking through the secured portal the following day, on XX/XX/XXXX. The email instructed that check is beeing reviewd and that the funds will be available on XX/XX/XXXX. On XX/XX/XXXX, Chase withdrew {$10000.00} from my checking account, alleging that the check was altered/fictitious and resulting in a negative balance in my checking account. XXXX XXXX, who wrote me the check, confirmed that she wrote this check to me in her written statement, the check was not altered or previously deposited. There was no mutual agreement that this check will be voided or destroyed by me. The check was not altered by any means since it was given to me as a payment for the her rent and living expenses. I have been trying to resolve this with my bank since XX/XX/XXXX. No resolution as of XX/XX/XXXX.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (LA)

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 2023-03-16
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: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I have frozen my credit due to someone opening a XXXX XXXX credity card and a XXXXXXXX XXXX credit card in my name. Then last week for the second time someone has try to open a credity card through Barclay Bank Delaware which caused a hard inquiry on my credit report. XXXX caught it before anything went through.
Consumer complaint received 2023-05-18
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. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX acquired mortgage from beneficial HSBC group XXXX  for 10 years. 20 years later I've paid nothing but interest to the tune of XXXX and am poised to pay another XXXX in the next 10 years and then an unknown deferred interest amount which will allow them to foreclose on my property. In XXXX I received a notice of a class action lawsuit for discriminatory mortgage actions and I never heard about the settlement of that. Every 10 years they change account numbers and collection companies. I would like for this to get settled because I have paid them more than the property is worth and more than I owe.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, 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. (OH)

Beginning in late XXXX, I began receiving a number of alerts from the credit monitoring services that I have, saying that either new inquiries had been made on my credit report, new addresses added to the report, or in some cases even new accounts opened. I contacted Experian, XXXX, and XXXX in order to dispute these items, and I have also been contacting the individual companies that are making the inquiries/ opening the accounts in order to ensure that all accounts are closed or applications denied. Originally, the credit reporting agencies suggested that I place a fraud alert on my credit report, which I did early in the process. However, that did not seem to have much effect, as I continued to get alerts about new inquiries and accounts. More recently, I discovered the option of a credit freeze ( which was never explained by the reporting agencies - Experian did suggest that I sign up for a paid service they offer in order to lock my report, but did not explain that it was also possible to do essentially the same thing for free with a freeze ). After placing freezes at all 3 bureaus, the alerts have definitely slowed down, but I did receive another address change and inquiry today ( 3 days after placing the freeze ). 

I am submitting this report because I was directed by Experian to submit a report through reportfraud.ftc.gov and upload it to them, and that site sent me to the CFPB website to submit this when I selected the type of report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

DURING COVID XXXX XXXX HAD DISASTER RELIEF ASSISTANT FOR ME AND I JUST FOUND OUT THE REPORTED I HAD 2 MONTH MISSED PAYMENT
Consumer complaint received 2023-03-06
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, 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)

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX have 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 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 with antedates the report by more than seven years.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Flatonia Investments, LLC (DE)

I received an email stating I had important details for Envoy Mortgage. I called the loan originator who I worked for last year as it was sent under his name. He does not work for the company anymore. Someone is acting on behalf of me trying to purchase a mortgage of {$610000.00} in XXXX XXXX. The mortgage company is not picking up at their headquarters. I did not approve of this. My social security number and birth date was stolen in an IT breach where I work at XXXX XXXX XXXX. I believe this is related.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I mailed a letter to Experian XX/XX/2021 disputing innacuracies of multiple names, mispelling of names, and addresses that does not belong to me on my Experian credit reporting. There is also a fraud alert placed that seems to never stay on my credit. It has been over 30 days and i still not have recieved a response.