davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On or about XX/XX/XXXX, I made a mobile deposit into my checking account. The mobile deposit application said it would be made available on XX/XX/XXXX. I contacted Citizens Bank on XX/XX/XXXX since the deposit was unavailable on XX/XX/XXXX. I received a letter on XX/XX/XXXX outlining that the deposit will not be made available until XX/XX/XXXX because the bank believes the bank will not honor it. I contacted the bank again on XX/XX/XXXX and I had spoken with the supervisor, XXXX. I explained to XXXX my grandson asked me to deposit XXXX check for {$580.00} into my checking account. She asked me how old was my grandson and that he should have gone into a bank to cash it. I told her that Citizens bank offers mobile deposits. I asked her what makes the bank determine if a check will not be honored. She could not give me an answer and advised me to contact XXXX to ask the government why Citizens bank will not honor the check. I asked her if could she cancel the check so I can cash it in person. She said no because I will be getting two deposits. I said you told me that the check will not be honored. XXXX had no right to ask me how old was my grandson and that I should have gone into a bank. XXXX appears to make up her policy.
Consumer complaint received 2023-02-13
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. (MI)

This is my 7th 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 : {$26000.00}
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have sent multiple complaints thru CFPB and FTC but I don't see why this XXXX inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.
Consumer complaint received 2018-04-19
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through Chexsystems and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and Chexsystems. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit report and noticed XXXX XXXX XXXX is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This companies doesnt have any proof or no signature of mine to validate this debt saying I owe them.
Consumer complaint received 2022-10-20
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Received card took me 3 calls and around 2 + hours to set up an automatic bank payment on card. They didnt take automatic bank payment on the first payment I called up to check on a promotion they offered for 100 dollars after I spent 1000 dollars on the card. The first message I received said this call would be an attempt to collect a debt. I found out they had my information and didnt use it to collect my payment affecting my credit score and the terms of the credit card they issued me which was supposed to have 18 months interest free.
Consumer complaint received 2023-09-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO. (CA)

I have recently checked my credit report with XXXX, XXXX, and XXXX and discovered that FORD MOTOR CREDIT AUTO LOAN ACCOUNT that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by Ford Motor Credit account wrong reporting. I never had account with Ford Motor Credit on XX/XX/2017. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (TX)

XX/XX/18 XXXX XXXX from ARA called my daughter and told her about a debt that I owed. After she requested that he send something to validate the debt to her email. He sent a settlement contract which was only one sheet of paper and a certificate of license from Illinois. She called him again and said that's not what she requested. She asked that he validate the debt so we can settle the matter. He said she can request a validation all day but that I owe this money. He gave her my full social security number and told her that I had enough assets and would not claim bankruptcy. Finally, she told him, I just want you to validate this 11 year old debt you're claiming he allegedly owes. He said I will see you in court. I was nowhere near my daughter at the time to authorize him to give her such information, especially my full social security number.
Consumer complaint received 2024-03-10
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-27
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. (CA)

When I investigated my credit report, I realized that the new account was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am submitting this statement to address instances of identity theft and fraudulent activity that have compromised my personal identifiable information. Over the past several months, I have become aware of unauthorized access to my personal and financial data, leading to fraudulent accounts, inquiries, and other suspicious activities. 

**Compromised Personal Identifiable Information : ** - My name, XXXX XXXX XXXX XXXX XXXX  has been utilized in various fraudulent activities, including the opening of unauthorized accounts and inquiries into my credit history without my consent. 
- My address, phone number, and other personal details have been used to create fraudulent accounts and conduct unauthorized transactions. 

**Fraudulent Accounts : ** - I have discovered the existence of fraudulent accounts in my name, including collection accounts and accounts with outstanding balances, such as the XXXX XXXX XXXX XXXX account, which I did not authorize or create. 
- Additionally, there have been unauthorized inquiries and applications for credit, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmong others. 

**Actions Taken : ** - I have taken immediate steps to dispute these fraudulent accounts and inquiries with the respective credit bureaus, including XXXX XXXX as well as with XXXX and XXXX XXXXXXXX XXXX XXXX 
- I have also filed a report with XXXXXXXX XXXX XXXX Identity Theft Victim  Assistance XXXX and provided them with a completed identity theft affidavit, as well as with law enforcement authorities. 

**Request for Assistance : ** - I am seeking assistance and support in resolving these fraudulent activities and restoring my credit and financial well-being. 
- I request that identitytheft.gov assists me in investigating these instances of identity theft, coordinating with relevant financial institutions and credit bureaus, and taking appropriate action to remove fraudulent accounts and inquiries from my credit report. 

**Conclusion : ** In conclusion, I am deeply concerned about the impact of these fraudulent activities on my financial stability and reputation. I am committed to working diligently to rectify these issues and prevent further harm. Your assistance in this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I AM A VICTIM OF IDENTITY THEFT AND I SENT A FTC FRAUD AFFIDAVIT TO THE COMPANY AND REQUESTED THE ACCOUNT BE WITHDRAWN FROM BEING REPORTED ON MY XXXX ACCOUNT THE COLLECTION COMPANY IS STILL REFUSING TO REMOVE DEBT OFF CREDIT REPORT EVEN AFTER THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS REMOVED OFF OF CREDOT REPORTS DUE TO THE IDENTITY THEFT LVNV ALSO SENT ME COPIES OF XXXX XXXX  STATEMENTS FROM A ADDRESS THAT I MOVED FROM IN XXXX THOSE STATEMENTS ARE FROM XXXX. I AM NOT LIABLE FOR ANY DEBT OWED TO LVNV ESPECIALLY AFTER XXXX XXXXXXXX WHO THEY BROUGHT THIS FRAUDULENT DEBT FROM WAS REMOVED OFF OF ALL CREDIT REPORTS IN XXXX XXXX.LVNV WAS REMOVED AND BLOCKED OFF MY CREDIT REPORT XXXX XXXX AND SHOULD BE REMOVED OFF OF MY XXXX REPORT ALSO
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 
It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 


ACCOUNT : Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX I Account XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have been disputed the validity of the XXXX XXXX account that is being reporting on my Equifax credit report for reporting inaccurate information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each time the results have been that the account is verified and updated. 

On XX/XX/XXXX, I requested that the XXXX XXXX account be deleted from my Equifax credit report because I received a letter from XXXX XXXX dated XX/XX/XXXX, which they stated that they are unable to confirm my personal information or locate my account number, and I included it along with a copy of my ID and SSN. 

On XX/XX/XXXX, I received an email from Equifax stating my request was denied because the account was verified and updated. 

How can this account be verified as accurate and updated when the company is saying that they can't confirm my personal information or locate my account information? 

I would like this account to be deleted ASAP.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Despite multiple written requests, the unverified accounts 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 XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ;
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

1. ) It is impossible to get in touch with an actual person to get information about my student loans.

2. ) The information regarding % of income considered for payments. The website says XXXX XXXX but it should be XXXX XXXX.

3. ) I am unable to tell how much of my balance is past interest.

4. ) There is no record of any of my past payments in the last 20 years so there is no way for me to verify that information 5. ) I received a paper bill in XXXX statin there was a balance due this month when there should be no payments until XXXX. Mohela is trying to scam borrowers 6. ) I believe my expected payment amount of {$440.00} for the next XXXX months is inaccurate but I am unable to connect with anyone at Mohela to verify this amount.

7. ) Mohela is not communicating any meaningful information about borrowers information, options, or what they are legally required to provide and do.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Despite multiple written requests, the unverified accounts 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 XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}