davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (NY)

I submitted a complaint last XX/XX/2023 and last XX/XX/2023 the companies involved responded. Some got deleted but there are STILL fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (IL)

RE : Adverse Action XXXX Dear CFO XXXX XXXX XXXX XXXX the consumer and natural person, was denied credit by PENFED CREDIT UNION when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and 15 u.s.c 1692k. 
You are subject to criminally liability for violating I have proof that i was discriminated against by PENFED CREDIT UNION due to the response, I received and was subsequently denied credit. Regardless of the reason for being denied, I assert my right to fair access to credit. Withholding my access to my securities is a form of securities fraud. This action violates both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 



Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PENFED CREDIT UNION If PENFED CREDIT UNION fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make PENFED CREDIT UNION criminally and civilly liable for all actual ( {$10000.00} ; per violation ). 

Thank you, XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-03-01
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. (GA)

In accordance with the Fair Credit Reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

This item was identity theft, FTC police report was filed, i ten was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank XXXX XXXX and experian. I would like this issue resolved as I have now started the litigation process with the XXXX  XXXX XXXX team XXXX.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED COMMUNITY BANK (SC)

On XX/XX/XXXX I opened a new checking account with XXXX and funded it for {$500.00} and applied a promo code " XXXX '' for a {$200.00} promo. 

The requirements were listed as such below : Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial XXXX-day qualification period, beginning the day the account is opened, in order to receive the {$200.00} welcome offer : XXXX ) Receive cumulative direct deposits of at least {$2000.00} which includes salary, pension, Social Security , or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit ; AND XXXX ) complete XXXX or more debit card purchases. Recurring debit card transactions do not qualify. 
Transactions must post to the account within the XXXXday qualification period. ATM withdrawals do not qualify. Monthly service charges and other miscellaneous fees may apply. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit. 
From XX/XX/XXXX to XXXX I completed XXXX purchases using my new united Community Bank debit card. 

As of XX/XX/XXXX I have yet to receive the {$200.00} promo bonus and have called several times since it should have posted to get a status update. They said I have met the requirements and someone from the promotional department would contact me but never did after numerous attempt in calling to inquire about the promotional bonus.
Consumer complaint received 2021-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/21, Experian reported a spurious 25 point drop in my credit score for no apparent reason. All of my credit card balances are XXXX. My auto loan is paid on time by auto debit. This credit score drop is not consistent with XXXX or XXXX. There should not be huge discrepancies in credit scores among the 3 credit reporting bureaus when analyzing the same financial data from a consumers file. I attempted to contact Experian with no success.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several endeavor I've complained about the items in my credit file. You reported this account as accurate and verified, how can it be because the account is deleted or not reported in other Bureau. You are reporting deleted account in other Bureaus so you must remove this account in my report ASAP. 
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
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.
Consumer complaint received 2023-05-16
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15U.S.C.1681Section 604 ( a ) Section 2. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Account Number : XXXX XXXX filed in XXXX, Texas. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 
15 U.S.C. 1682 Section-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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : XXXX XXXX XXXX # XXXX This account is tied to XXXX XXXXXXXX # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by XXXX XXXX XXXX that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX 2023 United Credit & Collection Re : Debt that isn't mine Dear United Credit & Collection, I have never been contacted by you pertaining this debt I am not responsible for. While checking my credit report, I noticed there was a collection added by United Credit & Collection. This is not nor has ever been a debt I owe. I have no idea what this debt pertains to and have never used the creditor " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and have no knowledge of this creditor. I have never received any correspondence from the original creditor or the collection agency. This is not my debt owed and I am demanding it be removed from my name and credit report immediately. I am also requesting you mail me any and all documents pertaining to this debt since I have never been notified by your company that I owe anything. Please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed and not my debt owed. Please remove this debt that is not owed from my credit report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

I receive calls from " Midland Credit '' once to twice a day, at least 2 to 4 times a week. I always screen the call or let it go to voicemail, but they never leave a voicemail or respond to my screen. They have called from these numbers the last 4 times they have called this year : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am sure they use different numbers every time they call.
Consumer complaint received 2023-02-16
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. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT, I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT AS WELL AS THIS PERSONAL STATEMENT. I AM A VICTIM OF IDENTITY THEFT AND ACCORDING TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (DE)

On XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I was denied for a credit card. I have never nor would ever apply for any XXXX  XXXX XXXX Products. The inquiry hit my Experian report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.
Consumer complaint received 2021-03-04
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. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, XXXX I sent written notification to Citibank via their electronic messaging system to close my XXXX XXXX XXXX credit card. I received confirmation the same day that the account was closed. I found out today, XXXX XXXX, XXXX, that the account is still open, recurring charges have been posting to it, and I was just charged the {$95.00} annual fee again. 

Some time between XXXX XXXX and today, the link for the messaging system has been removed and replaced with an " e-Communications '' link, and my previous notification is not visible. However, the previous messaging system and its contents are still available by linking directly to the site. This may be a simple oversight, or an intentional plan to deceive customers and continue to accrue charges and fees. 

I have contacted them again and am awaiting their reply.
Consumer complaint received 2023-01-25
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. (MI)

To Whom It May Concern, 

I Have Previously Disputed This Item With Experian & XXXX XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX XXXX COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO EXPERIAN OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED IMMEDIATELY
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NH)

Nationstar is my mortgage loan service company. My mortgage due date is the XX/XX/XXXX and the grace period stated in the loan docs is the XXXX. Nationstar knows that I work nights and go to bed at around XXXX. Nationstar called on XXXX XXXX at XXXX and I told them the payment would be made on the XXXX. They called again at XXXX on XXXX XXXX, at XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I believe this is harassment and I told them so. They claimed it was not harassment.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (TX)

XXXX  see attachedXXXX  I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LETTER TO REMOVE INACCURATE CREDIT INFORMATION To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are the items in error : XXXX XXXX XX/XX/2020 Balance : {$3600.00} Account Number : XXXX I am unaware of the above-listed account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : XXXX ). Defamation XXXX ). Negligent Enablement of Identity Fraud XXXX ). Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via thXXXX XXXX XXXX XXXX  along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter, XXXX XXXX
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. XXXX is reporting inaccurate information on my credit. It is a fraud account. I have sent over my identity theft report and a copy of my police report over to them and each credit bureau.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX XXXX  XXXX.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (NY)

XXXX sent a defective item XX/XX/23 for which I requested to return for a refund. XXXX customer service contacted me and stated that they would refund me for the item and they did not want me to return the item. I have emails proving this. Several months later XXXX began contacting me by email and harassing me saying they reversed the refund on the credit card. I canceled the credit card and they sent a debt collection to Cedars Business services.