davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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: Sequium Asset Solutions, LLC (CA)

I have a debt collection for XXXX XXXX using XXXX XXXX as the collection agency. The amount is for {$920.00} and is on my XXXX and XXXX credit reports. I have never had an account with XXXX XXXX or any other cable/communication service in 24 years. My family has been with XXXX XXXX XXXX for the past 9 1/2 years and the account is in my husbands name. I called XXXX and verified Id never had an account and asked them to contact XXXX to remove it. They said Id have to work with XXXX. I hired XXXX XXXX for help with no resolution in 5 months. I called XXXX over these 5 months and finally got someone yesterday who could not find any information of a collection against me. I asked for contact with someone with more authority and information access. I was given the email address of XXXX. I wrote it and today I get an email with a reference number because theyve magically found me in their system. I wish I had never done that. They have my first and last name, my present address and an email address, XXXX, that is not mine. They did not want to help me fix this other than by paying it. 

This has greatly impacted my credit score. I can find noone who can effectively help.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2022-10-31
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-04
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NY)

My wife and I opened a CD account with XXXX XXXX on XXXX/XXXX/XXXX for 2 years maturing on XXXX/XXXX/XXXX for 1.45 %. On XXXX, XXXX Bank was closed in connection with the FDIC and began operating as Popular Community Bank . The conversion of accounts was scheduled for XX/XX/XXXX-XX/XX/XXXX. A Conversion guide was mailed to us. In the Conversion guide, it states that CD rates would earn the current rate until maturity. ( XXXX ), in other words they would n't be changed. However, Popular Bank lowered the rate to 1.144 in XXXX XXXX, and did n't tell us. In addition, their web site does't show the rate of interest that is being paid.
Consumer complaint received 2021-04-28
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. (NY)

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I recently alerted Chase to shut down my checking and savings account because my old cell number was still attached to it and they claimed they could not remove it. Because this number was spoofed, illegally opened several accounts and impersonated as me, I became frightened and demanded they shut my 2 accounts. It was only then it was discovered there were 4 other accounts linked to my profile and I couldn't access them but they were mine because they were under my profile. Chase would not provide ANY information, just promised all the accounts would be closed. I need a new social security number but need a police report to get this investigated first but Chase won't provide me the account number for the XXXX account, the XXXX  account or the XXXX XXXX account. It's a catch 22 situation. The nypd said they would try to help but can't complete a police report without this info, please advise
Consumer complaint received 2021-04-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My Equifax credit report apparently had a FREEZE on it. I never ordered a freeze on it, so I asked them to lift the freeze. They said I needed to mail in two forms of ID. I mailed in the two forms of ID to the address they indicated on their letter. I did this in XXXX of XXXX 
I then received a letter in early XXXX which was the same letter asking me to send in two forms of ID. I did the same thing again and mailed it into them.

I just received another letter that is the same as the last two asking that I send in two more forms of ID to the same address. Calling them resolves nothing. 

This is a total waste of my time and I want my Equifax credit account UNFROZEN. This is not a big deal and should be easy to do.
Consumer complaint received 2021-04-28
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 have two of the SAME accounts from XXXX XXXX bank in my credit report. Both accounts has different dates that they were open. I notify the ( source XXXX XXXX XXXX about my observation on XX/XX/2021. The company XXXX XXXX indicated this duplicate SAME account on my experience report was not there doing and should be disputed with the credit bureau. Therefore, I disputed the inaccurate same account to Experian same day. ON XX/XX/2021 I RECEIVED THE RESULT OF MY DISPUTE WAS COMPLETED. I LOOKED INTO MY experian ACCOUNT ; nothing has been resolved about the dispute. So, I concluded that the duplicate account from XXXX XXXX bank with inaccurate DATE & false information is a FRAUDULENT ACCOUNT! I called experian and let them know of my findings since my first dispute on this matter was completely & not resolved. As of right now this the status of the same dispute of the duplicate account from XXXX XXXX has been reinstated as a fraudulent account.
Consumer complaint received 2021-04-28
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. (SC)

On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Consumer complaint received 2021-04-27
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: Experian Information Solutions Inc. (OK)

I have this issue with both XXXX and Experian. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both XXXX and Experian DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. XXXX AND Experian reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: IMC Capital, LLC (IA)

XXXX at XXXX XXXX XXXX XXXX has sent an UNSOLICITED card in our name and our business name with a ridiculously high line of credit. This is illegal. We will be contacting them, however this practice must be stopped immediately.
Consumer complaint received 2021-04-28
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. (CA)

I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XXXX or XX/XX/2020, before the pandemic was declared.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Please see attached complaint under my current name, I'm using my old name since this is what you recognize. In addition to my repeating the same material to get you to respond to that complaint, I need you to update my name to my current and maiden name, XXXX XXXX. You were absolutely wrong to reject the last complaint, I had given you my address and social. I will be giving a full account number and social with this complaint. FYI your past XXXX XXXX XXXX XXXX IS XXXX XXXX XXXX XXXX In addition : I have used the Home Depot credit card for over 20 years in like all of my credit items I am never late for any cost due. I am a terrific client for them. It was XXXX XXXX and it was shown to me that on my XXXX credit report that I missed a payment on my credit report and I was surprised. In reality I never received the bill because I had moved during several months of which I never made a purchase and had left it a XXXX balance. I never needed to worry or consider the fact that I moved and had put on mail forwarding. Because of this, Home Depot said that they would not incur incur a late charge or a late notice on my credit report and Ive asked them to remove it and its not working out too well. They said theyd remove it at in store and on phone discussions. Out of good faith and the fact that they sent it to the wrong place and I never knew of the charge not being handled effectively, not even online because I dont have an online account, we all thought it was invalid and it shouldnt be on the report. But its still on there. AS AN UPDATE, you didn't even mail it to the right person, I changed my name years ago. It's no wonder mail forwarding didn't work and I got no notice of the charges
Consumer complaint received 2021-04-28
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. (NY)

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The following account is not mine from XXXX XXXX XXXX I never signed an agreement with this company. I've ask the company to provide me with documents and any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states '' The communication is from debt collector, but not an attempt to collect a debt '' Accounts Number XXXX {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-10-31
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-27
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. (TN)

I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XXXX XXXX ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXX XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my reports.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I made a cash deposit of {$5000.00} into my Bank of America Checking account using the Bank of America ATM on XXXX located at XXXX XXXX, XXXX XXXX NJ. 
After the money was counted the ATM printed a notice saying an error occurred and only {$1800.00} was deposited and to call the Electronic Claims Dept. to file a claim after calling the number they said I will get a credit in 2 business days and now after 2 days they are saying it will take 45 business days that is 2 months from now to receive a credit while they investigate the issue. And then again they don't think that I will be credited while this I have other payments to make using that money which are dependent on that deposit they are not willing to pay up my fees and other charges.