davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

Received numerous voicemails and they are making numerous calls to different people within my company. The last call they said they are with the XXXX XXXX XXXX 's office and it's urgent they speak to me. I called back and they are not with the clerk 's office the lady said the company is XXXX or XXXX XXXX XXXX. She also told me my wages will be garnished and asked if my employer had told about the garnishment. I told her no and that I know they can't garnish my wages without a court order so send me the court date. I asked why they are saying they are with the XXXX XXXX XXXX 's office when they are not and she said that is someone else who is trying to serve me that made the call. 

I then called the XXXX XXXX XXXX 's office and there is not record of an impending court case or date and there is nobody serving for me a court date as nothing has been filed in the court. 

Phone # XXXX that they have called me from are XXXX, XXXX
Consumer complaint received 2022-10-26
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. (WI)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$3300.00} ; US DEPT ED XXXX XXXX : {$1500.00} ; US DEPT ED XXXX XXXX : {$1900.00} ; US DEPT ED XXXX XXXX : {$1900.00} ; US DEPT ED XXXX XXXX : {$1900.00} ; US DEPT ED XXXX XXXX : {$1400.00} ; US DEPT ED XXXX XXXX XXXX {$1900.00} ; US DEPT ED XXXX XXXX : {$1200.00} ; US DEPT ED XXXX XXXX : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX US DEPT ED XXXX XXXX : {$1200.00} ; US DEPT ED XXXX XXXX : {$4100.00} ; US DEPT ED XXXX XXXX : {$1100.00} ; US DEPT ED XXXX XXXX : {$5800.00} ; US DEPT ED XXXX XXXX : {$1600.00} ; US DEPT ED XXXX XXXX : {$3600.00} ; XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NJ)

My husband applied for a card with American Express. They could not approve instantly, which is fine. However, they started calling the house six times yesterday and four times so far today. ( XXXX and XXXX ) Each time I told them he is out of town until Monday and asked them to stop calling. They refuse, claiming their automated system wont let them stop the calls. It has escalated to the point of harassment, they know he is not here and when to reach him. They have woken my son eight out of those ten calls. Im at my wits end and they say they can do nothing.
Consumer complaint received 2022-10-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and XXXX, XXXX and experian failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. XXXX, XXXX and experian are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2023-07-04
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account 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 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/20, an unauthorized transaction of XXXX was made with my Citi bank account using XXXX. I contacted the bank, but they denied my claim. I appealed, but with no avail. They stated I authorized the transaction since the person had access to my user name and password. I sent Citi bank an affidavit stating I did not give permission or authorization for the transfer of funds. I contacted the local police and made a police report. The account should have been flagged before the transfer went through. I never had large amount of money in that account. The person who made the unauthorized transaction deposited a fake check and sent the money using XXXX before the bank was able to validate it. A few days later the check came back fraudulent and my account showed a negative balance. I knew nothing of it, until my account was locked. On XXXX XXXX I submitted another appeal.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against [ EQUIFAX ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act.

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Confidentiality breach. When I requested copies of my mortgage documents,  Nationstar  bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

I had a JC Penny credit card account # XXXX since 2020. JC Penny told me last year that the card was closed by the company. 

I believe that I had paid my account the minimum payments required. I would like the company to explain to me what happened.
Consumer complaint received 2023-04-11
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. (TX)

I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX XXXX NOT CONSENT to any bank or agency report my consumer report.15 USC 6802BA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-10-26
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX  SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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. (IL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-30
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Consumer complaint received 2023-08-09
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. (KY)

Several items on my credit report do not belong to me. I do not recognize them ; I had to file an identity theft report due to unauthorized accounts and charges on my credit report dating back a few years. I have tried to contact the creditors and the companies on several occasions. They have not removed or tried helping me at ALL. I can't do anything, and it has ruined my life up to this point. I need help. These Ceridtiors are not trying to help and keep giving me the runaround. Here is a List of items. Someone or multiple someone using my identity have managed to rack up. It shows on my report that one of my addresses is in NEVADA. I have never lived in Nevada, XXXX XXXX, or anywhere. I have only lived in one state and it's south. Please HELP XXXX XXXX : OPENED on XX/XX/XXXX. They marked it over 120 days late. {$700.00} XXXXXXXX XXXX  : Opened on XX/XX/XXXX Collection/Chargeoff {$2500.00} XXXX Opened on XX/XX/XXXX Collections/Chargeoff {$460.00} XXXX XXXX  : Opened on XX/XX/XXXX marked a Derogatory {$450.00} XXXX  Opened on XX/XX/XXXX {$380.00} XXXX XXXX XXXX Opened on XX/XX/XXXX Collection/Chargeoff XXXX XXXX  XX/XX/XXXX collections/ Charge off {$170.00} XXXX XX/XX/XXXX Collection/Charge off {$940.00} XXXX XXXX XX/XX/XXXX Collection/Chargeoff XXXX
Consumer complaint received 2023-01-12
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-25
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. (PA)

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (WA)

Numbers : XXXX has called 5 times XX/XX/XXXX XXXX has called 4 times XX/XX/XXXX in the last XXXX hours both are discover loans ( I have voicemails having them identify who they are ) XXXX called 11 more times from XX/XX/XXXX to XX/XX/XXXX I contacted them back in XXXX to not contact me while they were harassing me on a call. they laid off till early XXXX late XXXX, but have contacted me everyday since. I have severe social anxiety as well as being on the phone, so I am physically incapable due to emotional/mental blocking me. 

They contact me at least 3 times of day, ive told them not to contact me early morning or clarified that they wake me up with these calls. they still call at XXXX XXXX directly.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

to whom this may concern, ive been a victim of fraud i had got my infos stole i have a police report i had account with Bank of America somebody got my login and same thing for XXXX XXXX i need to resolve this ASAP please
Consumer complaint received 2023-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I learned of the debt being reported when I applied for an apartment on XX/XX/XXXX and it showed Transworld systems for XXXX for {$680.00}. 

I reached out to Transworld to get the information on alleged debt which they provided me an account number of XXXX with date of debt being from XX/XX/XXXX. 

I called XXXX and spoke with their fraud team who checked my social security number in all of their systems and stated what I knew that I never had XXXX phone or internet services.
Consumer complaint received 2024-03-07
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-10-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX acct # XXXX **** XXXX15 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.