davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Hey, I've been disputing fraudulent and inaccurate information on my credit report for over 30 days now. I haven't heard back from the credit bureaus or creditors who are furnishing this improper data on my report. I've also noticed miscellaneous inquiries on my credit report, accounts that say " closed '' yet are in collections, and reporting late payments. My next step was to contact CFPB and legal counsel for the credit agencies who are being negligent by illegally reporting False, Fraudulent data on my credit report.
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (NV)

My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation E i dont get provisional credit and then three hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case
Consumer complaint received 2023-06-20
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
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
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NV)

XXXX XXXX XXXX, XXXX representing Citibank, N.A is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
Consumer complaint received 2023-09-14
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. (IL)

On XX/XX/2023 I wrote a letter to this company stating I am a victim of identity theft and en closed a copy of the identity report filed with the fraudulent items listed to be removed from my credit report. The company then reply back with a letter stating that the letter wasn't from me and I was working with a third party company and they will not fall though with my request which is false. This company need to address this problem immediately.
Consumer complaint received 2023-09-15
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. (WI)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (WI)

Preface : This complaint addresses significant ambiguities in financial transactions and roles with American Express. Expert review is advised for accurate resolution. 

I. Role Mischaracterization : American Express has blended the roles of the complainant ( surety ) and the principal debtor. This misidentification not only confuses responsibilities but inadvertently shifts principal debtor liabilities onto the surety. 

II. Financial Instruments as Securities : Various negotiable instruments function as securities with intrinsic value. These securities, connected to the principal debtor 's estate, should be the primary mode to offset liabilities. The current lack of clarity burdens the surety unnecessarily. 

III. Security Interest Ambiguity : American Express 's security interest implies asset collateralization. When not clear, it unfairly burdens the surety, especially when the debtor 's estate securities could be used for obligation settlement.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (TX)

When I tried to open a checking account on my own, I was stated that I have had an account with them before which I know for a fact isn't true. I have been a victim of identity theft and what I assumed I cleared up keeps coming back up.
Consumer complaint received 2023-04-01
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)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2020-03-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (WA)

We have long had both a first and second martgage, both with XXXX XXXX XXXX. 
We are emerging from bankruptsy, with a court protection period til XX/XX/2020. 
Our loans have both been re-sold, with the 1st managed by XXXX XXXX ( # XXXX ), and our second, a HELofC, managed by Specialized Loan Servicing ( # XXXX ). 
To meet the requirements of the court orders, we sent our separate checks in separate envelopes to separate addresses ... and for the most part we wrote the account number of the HELof C on the monthly checks. They all cleared our bank. 
The XXXX designated processor ( XXXX  - now out of business ) ignored our processing instructions and placed our cashed check payments into suspense accounts, and then force-placed our payments into the wrong account ... for over 20 months! 
Meanwhile, XXXX failed to find the error, and charged the account with all types of interest, fees and charges which they transferred to XXXX XXXX XXXX XXXX who placed collection with Specialized Loan Services for a staggering total of {$26000.00} -- all when we continued to make our monthly court approved payments of {$270.00}. For 6 months SLS has failed to react to our letters regarding our several issues with this loan.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

During the pandemic I was working at XXXX XXXX in XXXX SC I received in the mail a bank of America card for unemployment I told the people at my work wrote a handwritten letter sighed and dated it to send to unemployment thought it was taken care of but got layed off a lil over a year later and there was an account opened in my name bank of America sent the people another card with my name on it to a address that is not mine and I still haven't received unemployment which it's to late now I guess but still want to see what I can do bank of America shouldn't be able to open accounts for any reason without someone's knowledge.. and just a few months ago I received bank of America bank statements with all foreign names a a bunch of XXXX transactions on it the people would put like {$1800.00} through XXXX and then XXXX all the money to 3 or 4 different foreign names and I never opened that account either but they have my address somehow so I got like 2 statements and my unemployment card accidentally I guess
Consumer complaint received 2023-06-21
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: World Acceptance Corporation (TN)

there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is world financial company. 

There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no. 

once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt. 

I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file. 

thanks
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2022-12-09
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)

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 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 and 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. 

Additional Inaccurate Information : Equifax has failed to remove inaccurate name fraud : Equifax consumer report has a section of the consumer report that lists secondary names which reports ( Also Known as " XXXX XXXX XXXX '' ). I have notified Equifax, still no change after I sent in an FTC report and Fraud Affidavit with driver 's license and social security card attached.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account has been closed and it continues to show up as deragatory on my account. It shows open on credit report. This account was opened in XXXX of 2017 and shouldve been closed. Everything about it is wrong.
Consumer complaint received 2024-04-02
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. (CA)

Hi, my name is XXXX XXXX, I am submitting this myself this isnt under any influence nor from any third party. Transunion has been showing an inaccurate credit report for me in their systems. I have complained numerous times for them to fix the situation but the problem has not been resolved. I have tried to get this resolved because there is an unauthorized inquiry in my Transunion report from XXXX, XXXX 2023 from XXXX XXXX. Ive spoke with XXXX, XXXX and XXXX from the fraud department and I prefer to speak to a US rept but they refused they had me waiting for over XXXX min in each call. This is not how you treat an individual. This is unauthorized and should be removed due to Transunion reporting false information on my report.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-08-05
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: ERC (AZ)

In accordance with the Fair Credit Reporting act, Enhanced Recovery # 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 an account without my written instructions