davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (FL)

I have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we XXXX resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc. (SC)

On the day a payment was due my purse was stolen at XXXX XXXX in North Carolina. My purse had my credit cards, drivers license, XXXX XXXX XXXX XXXX  phone and some other things. I was without a phone for 2 days I didn't get my duplicate drivers license back until XX/XX/2023. I had no way to communicate with any app or pay any card bill due to this happening. and Afterpay has failed to work with me on this matter knowing that it was beyond my control. They are unwilling to cooperate and each member that responds to my messages all just be all over the place with talking and not understanding the issue.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (SC)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

I have been requesting info regarding a collection on my credit report from NCB Management in excess of 60 days with no luck. This debt is listed on all 3 of my credit reports. I have asked for the original contract with my wet signature authorizing this debt along with the original information from the original creditor with name ( s ), address ( es ), and phone number ( s ) listed. I also requested a breakdown of the billing and payment history along with the acquired proof of ownership showing the collection agency has the right to collect on it. This company, NCB Management, has been given ample time to respond with this information and has not.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance XXXX XXXX ; XXXX XXXXXXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the urgent removal of fraudulent items from my credit report. 

Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I am deeply concerned about the potential consequences of this unauthorized activity. 

I have taken immediate steps to address this issue by contacting the credit reporting agencies and reporting the fraudulent activity. However, despite my efforts, the credit reporting agencies have failed to take swift action to remove these fraudulent items from my credit report. 

Given the urgency of this matter and the potential harm it could cause to my financial well-being, I request that you intervene to expedite the removal of these fraudulent items from my credit report. I urge the credit reporting agencies to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the fraudulent activity on my credit report, including reimbursement for any unauthorized charges or fees incurred. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX OXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (PA)

Consumer Adjustment company sent a statement ( attached ) on XX/XX/XXXX that they would remove this account from my credit profile and my complaint was closed. XXXX just alerted me today that Consumer Adjustment Company has verified and updated the information on my profile AND flagged the account as unpaid! ( Also attached ) At this point they are in blatant violation of several FDCPA codes and laws. They should be held liable to pay damages for each violation. They are knowingly lying to save face and reporting harmful information on my credit report.
Consumer complaint received 2023-07-07
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. (PA)

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to refinance my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (MD)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I'm a victim of job scam with check fraud. XXXX XXXXXXXX posed as an online interview XXXX and offered me remote jobs and he mailed me a phony check of {$4800.00} to buy working supplies. On XX/XX/2023, while I received this check, I went to local bank branch to verify it, but no one helped me or gave me any advice that just tell me that you should wait for 14 days for check to be really clear in case check fraud. I was left helpless, uncertain on this check. I called bank 's costumer service for help, and they said this check looked nothing wrong based on their experience so that I was gave a false sense of security that this check was secured on my account at the time. And that's the main reason why I was conned into sending money to scammer next day. 
On XX/XX/2023, I called fraud department of Bank of America to make a claim for XXXX transfer of {$3500.00} right away as soon as I realized it was fraudulent transaction. I spoke to XXXX, the first representative, she told me my lost funds will be recovered but it takes for 10 days or up to 60-90 days to process and got my XXXX claim number is XXXX XXXX. During the process of XXXX claim, I kept track on its status and faxed police report, FBI report, counterfeit checks, XXXX report, FTC report, AGO consumer complaint and screenshots of chat records with fraudster that showed how he manipulated and exploited me into sending money that serve as the evidence of scam and check fraud to fraud claim department. However, Bank told me that they did not need any supporting documents on XXXX claim and they only investigated whether the transfer was authorized and not based on the circumstances of I was defrauded. On XX/XX/2023, I received notice stating that " We've completed our review of your claim. Our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this, your account won't be credited. '' After Bank 's failure of the second attempt to recall my lost funds, Bank sent the final response to XXXX claim on XX/XX/2023, it stated that my lost funds were unsuccessful recovered because transactions posted on my account were valid and no errors occurred, so they suggested me to contact recipient to try to get my money back. This final resolution was totally unreasonable and unrealistic. How come a XXXX XXXXXXXX would return the stolen money to victim. Obviously, Bank did not properly handle XXXX scam and fraud and did not came up with a reasonable and acceptable final solution.
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST HOME MORTGAGE CORPORATION (MD)

My mortgage company sold my mortgage, changed my account number, lost my payment, did not give notice of a late pay and reported me to the credit bureau as 30 days past due. 
I have paid my mortgage on time every month for over 25 years. My mortgage payment was due on XX/XX/23 and I sent payment on XX/XX/23 from my bank and this was verified. The mortgage company sold my mortgage and changed my account number several months before. They sent me notice of the account number change later in XXXX. At that time, I made changes to my payment for XXXX. That was due on XX/XX/23 and I sent payment on XX/XX/23. That payment was received by my mortgage company and applied to my XXXX payment. I was also reported as 30 days past due. After multiple hours and multiple calls of trying to contact them, they constantly stonewalled me. They said research was the department that could make a determination and they cant talk on the phone. Therefore, I was not able to resolve the issue. I have proof that my payment was sent out and there was no contact by the mortgage company that payment was late or going to be late. In fact, all mail correspondence with this company has taken several weeks to reach me.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (TX)

Ive disputed online and Ive sent letters to XXXX, Experian, and XXXX on XX/XX/2022 concerning all of the inaccuracies and inconsistencies on my report. Its been well over 30 days I still have not received a response. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX05b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There has been accounts that are not authorized under consent or any written instructed approved. I need these accounts deleted immediately. I am human. This is no 3rd party. I have filed FTC Report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. Unauthorized Accounts : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-30
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. (NJ)

XXXX XXXX XXXX Account number : XXXX am not liable for the debt with XXXX. I do not have a contract with absolute resoultions inv, they did not provide me with with the originial contract as requested. 

XXXX Account number : XXXX I am not liable for this debt with this company, neither have they provided me with the original contract bearing my signature as i requested. 

XXXX XXXX XXXX  Account number : XXXX. I am not liable for this debt with XXXX this account does not belong to me, neither have they provided proof of this alleged debt by providing me with a contract bearing my signature as requested.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX, XXXX , Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX, Account # # # # # # # 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
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I closed citi account and locked my citi credit card and told the bank about being a victim of identity theft. The theft changed my contact info, including address, email, and phone number. So I did not recieve any notices when a check transfer was made in XX/XX/2022. I first called Citibank from XX/XX/2022 to dispute the credit card charges as soon as I found out. They told me they will open a case for it regarding this fraud check transfer on my credit card. I DID NOT MAKE THIS TRANSFER OF {$2200.00}. I've never used a check transfer before in my credit card history. I called Citibank 3 times in XXXX to get updates on the open dispute. They said to wait a little longer, and that turned into month after month. Then, I called in XX/XX/XXXX and got the same response, to just wait patiently. I was growing more anxious and stressed as more time passed and interests/late fees continue to add up on the credit card. They told me they could not closed my account with an open balance. My credit score were being affected from the missed payment while the investigation was going on. When I called back in XXXX, Citibank said they will open a case on the fraud check transfer because the past dispute was not found??? I never received a letter about the start of a investigation until XXXX. They finally closed my credit card account during the investigation with an open balance. After waiting another month, the investigation has closed NOT IN MY FAVOR. They did not reach out to me for any additional information during the investigation, contrary to the letter. 

Attached is the letters I received from Citibank and screenshot of my call records.
Consumer complaint received 2022-12-13
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)

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX Balance : {$860.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-13
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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