davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (NY)

I am writing you because, I sent the 3 bureaus numerous letters about fraudulent and inaccurate information on my credit report and also asked them to show me how they verified this information was true, being that I already told them its not mines, and till this day I still have not received a response from them. I never opened a XXXX account in my name and that is on my report. Also, I never authorized any furnishers to report on my credit and they can not prove that I did. So its taken them more than 2 months to respond to me and I never authorized them to put anything on my account and these fraudulent accounts and late payments need to be removed.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-06-17
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. (NJ)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Unfortunately I've been trying to dispute false information with my credit reporting company Transunion but have been given nothing but the runaround. I've sent in all the information needed on XX/XX/XXXX ; Drivers license, social security, marriage licenses, divorce documents, seperation documents, birth certificate, and typed letter with further information as to what is mine and what isn't. Even resent to the email today XX/XX/XXXX given by Transunion more then once. I pay for services online with Credit Bureau but, can not use their online dispute center because they have combined my info with another girl who lives in California. I am not the only person suffering here, she is as well. I have gone through this battle before with XXXX back in XX/XX/XXXX. The Consumer Financial Protection Bureau helped me get XXXX to perform their job properly. I hope that will be the case with Transunion. The credit bureau has all the information needed to make adjustments. I shouldn't have to call numerous times ; which I have. To fix a problem that they created because they failed to verify information and do their job properly. If it was just me I could deal with the long drawn out process. But this error on their part is effecting my family. No loan provider will touch my credit because of what they let happen. No loan, no house. I will not stand by while my family suffers because of them. Please help me Consumer Financial Protection Bureau ; Thank you.
Consumer complaint received 2021-06-16
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: AMERICAN HONDA FINANCE CORP (NY)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Original Creditor XXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, Shell/City issued a credit card to a thief in Florida. The balance was more than {$3000.00}. I never receive any account info from Shell. I disputed this by sending one fax, 2 mails. The document included my NJ driver license, my home equity loan bill with NJ property address, and utility bill to prove that I live in NJ since XXXX and never live in FL. So far, Shell never reply to me. When I call Shell, I was required to input my SS # and last 4 digit account #. I don't know the last 4 digit # for the fraud account based on the 3 credit union reports. All of my calls were rejected even I input my SS #. I disputed this to 3 credit unions many times, but 2 of them did not remove this fraud account because Shell 's investigation rejected my dispute many time without any reason. 
Shell also made cheating on this fraud account. The account had more than {$3000.00} balance, but its balance became zero after 120 day late payment. The thief should not pay. Shell 's cheating report made XXXX believe that I paid to the fraud account.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. I have attached proof that the reporting is inaccurate on all of them. the discrepancies are circled in XXXX. I have never been late on these accounts. 

XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX  XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXXXXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

if you conducted a thorough investigation, I request you provide full method of verification : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Consumer complaint received 2021-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I got these accounts that does not belong to me ans i want it to be remove. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

To whom it may concern, My name is XXXX, this is regarding my recently approved XXXX XXXX Business Card with Barclays Bank. My application was approved on XX/XX/XXXX. After ( 2 ) full weeks no receiving my card, I contacted the company on Friday XX/XX/XXXX and wasted over a hour on calls and being transferred to incorrect departments. 

Saturday XX/XX/XXXX I tried calling again to the business card department and learned that someone stole my card, and fraudulently shopped at multiple locations in New Jersey since XX/XX/XXXX spending $ XXXX+ dollars with this card. The customer service rep could not answer me how could the authorization process was completed to allow this person spending such amounts on this card without my personal credentials. Then I was transferred to the fraud team where I spent another hour confirming that all these charges were fraudulent. I was promised that all charges will be disputed, nothing to be worried. The agent also promised me to overnight the card to me via XXXX to ensure proper delivery. 

Monday XX/XX/XXXX Since I did not received the card, I tried calling again in the evening and learned that there's an address issue with my card, and can only be resolved by a supervisor team member. It was too late ( XXXX or XXXX ) when I called so I should give them a call back on Tuesday Tuesday XX/XX/XXXX I contacted the team again, wasted another hour and finally got a supervisor team member to clear this and confirmed that they card will be delivered by XX/XX/XXXX Wednesday XX/XX/XXXX The card did arrive via XXXX. After dinner, I called the number to activate my 'replacement ' card. Then I log onto my desktop to register via the bank. As soon as I log in, I see my current balance exceeding my credit limit ( see attachment ). After carefully study the transaction record, I learned that the bank also missed disputing ( 1 ) of the fraudulent charges. So I had to call the bank again - wasted another hour or so, spent 80 % of times being put on hold and was told the agent was still 'waiting to hear back from the security team ' - issues remained
Consumer complaint received 2021-06-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was XXXX XXXX, and equifax they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX XXXX in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a XXXX for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening
Consumer complaint received 2021-06-16
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: AMERICAN EXPRESS COMPANY (AZ)

I signed up for what I thought was a credit card with American Express. Nowhere in the advertisement did they make it clear that it was going to be a charge account that does not have a limit. I was intending to sign up for a card that had a limit so the increased limit would positively impact my credit score. Upon realizing I signed up for the wrong type of card I talked to customer service to cancel the account and remove the inquiry. They said no so I worked through the XXXX. I just got off of the phone with their executive office, and they refused to fix the situation as well. They are even refusing to cancel the card keeping it open after I have repeatedly asked to cancel it.
Consumer complaint received 2021-06-17
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: AMERICAN EXPRESS COMPANY (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-17
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. (CA)

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and listed XXXX XXXX XXXX. XX/XX/XXXX is the last month I paid my bill, during this time XXXX XXXX XX/XX/XXXX sold my debt to a third party so XXXX XXXX XX/XX/XXXX no longer owned the debt. A creditors claim was submitted and the trustee paid my accounts in full because my plan was a 100 % plan. I contacted XXXX to fix the two accounts on my credit report for XXXX XXXX XXXX as they were still listed and owed on my credit report. My credit report was showing they were delinquent and potentially negative. I let them no that XXXX and Experian did not have these accounts listed on their reports. On my previous XX/XX/XXXX Experian Report ( XXXX ) these accounts were to be removed from my account in XX/XX/XXXX. After XXXX did an investigation the new report still shows the accounts delinquent and potentially negative, starting from XX/XX/XXXX, with a balance updated on XX/XX/XXXX and that these accounts will not be removed until XXXX. Experian has used the payment from the trustee, which they can not do and used it against me to the move the aging and removal date. Once the bankruptcy is filed everything is frozen.
Consumer complaint received 2021-06-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX took {$1200.00} out of my checking account at Chase Bank. I didn't sign the paper to authorize it. So they let my daughter sign before they would leave! The problem is that my daughter was not on my account! It was only me on the account. They caused my account to be overdrawn! I filed fraud charges against the movers and Chase let them have the money any way because I didn't have a receipt! You can't get a receipt when it is fraud. So when I got my first social security check in XXXX it took almost all of my check for the overdraft!
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (FL)

Bay Area Credit Service is trying to collect a debt that was paid off almost 3 years ago in XX/XX/2018. My Insurance paid off part of the amount and I paid off the remaining balance to Bay Area Credit. 

They are still trying to collect on a full amount as if my health insurance did not pay anything. I have the receipt from back in XX/XX/2018 when I paid what I owed. As per the EOB ( attached ) the total I was responsible for was the Total ( {$530.00} ) - Provider Discount ( {$190.00} ) = {$340.00} The receipt from them, Bay Area Credit, clearly states I paid it. Yet they have still not taken it off my XXXX  credit report and are also trying to collect the full amount of {$530.00} and not the correct amount after my insurance provider had already paid {$190.00}.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted Transunion in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.