davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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)

MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX XXXX  ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I got a debt collections notice from ic systems I called XXXX and I DONT OWE XXXX ANY balance AT ALL I called ic systems and they blew me off! I don't owe the bill they are sending me a collection for!!
Consumer complaint received 2023-01-08
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. (FL)

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 XXXXXXXX : # 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 XXXX 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 2023-07-29
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX
Consumer complaint received 2022-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I have been on a mortgage forbearance program with Santander Bank during covid. In XX/XX/2022 I submitted all my paper work for a mortgage modification. I received a letter in the mail acknowledging my modification submission from Santander Bank. Now I've been waiting for my modification package in the mail so I could sign, submit and resume my mortgage payments, but they've yet to send me my modification package. I've called them several times and all I get is, their working on it. No one seems to know what's going on and I'm very worried.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been trying to dispute this collection XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX, it keep coming back as verified and that is all ( AI ) ( Oscar ) responses. please you check into this. and also delete these unknown inquiries I've listed. I've already reported this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (AL)

These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
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)

XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by XXXX means ( 18 USC 894 ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-12-06
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. (NC)

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, HAS HAVE BEEN USED FOR FRAUDULENT USE OF MY IDENTITY. PLEASE REMOVE THIS ADDRESS PERMANENTLY FROM MY REPORT. CURRENTLY SOMEONE IN FLORDIA IS OPENEING ACCOUNTS IN MY NAME FROM THIS ADDRESS. I REACH OUT AND ITS NOT REMOVED BY BUREAUS BECAUSEE OF PAST CLOSED ACCOUNTS THEY HAVE OPENED.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2022-12-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX was part of my fraud case and needs to be removed from all my accounts
Consumer complaint received 2022-12-06
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I received a Covid modification due to being affected by Covid. At the time of the modification, I complained to XXXX XXXX that I was not supposed to be charged back interest or for the payments that Shellpoint made on my behalf from escrow. Shellpoint refused to make the changes to the modification and XXXX XXXX said that I had to work it out with the lender. 

In the 1098, Shellpoint shows the principal balance on my loan is {$65000.00}. It shows interest paid is {$8200.00}. 

However to me, Shellpoints statement interest of {$10000.00} on my statement dated XX/XX/2022. It shows the principal is {$75000.00}. This means that Shellpoint is not being honest with either me or the IRS. The overpayment in interest for the year means that I should get a refund from Shellpoint.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

CCS COLLECTIONS You supposed to add notice within XXXX  days not XXXX day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NC)

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from XXXX XXXX  now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during Equifax 's Data Breach. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXXXXXX XXXX with a Balance of {$7800.00}. 

I have never opened Nor Used XXXXXXXX XXXX and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in XXXX XXXX all my life.
Consumer complaint received 2023-09-01
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NC)

This is my second dispute with the Credit Bureaus, the inquiries were taken off but the Account from XXXX Bank now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXX XXXX  with a XXXX of {$7800.00}. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

On XX/XX/XXXX I had lost my purse which had my phone and debit cards. When I had gotten a new phone a few weeks later I had seen that there was an atm withdraw and a XXXX payment sent for over {$2400.00} which the same day I had received my tax refund for {$2700.00}. 
I made reports to my bank which is chime. I had explained everything. I even ordered new bank cards and my claim was instantly denied. 
My ENTIRE tax refund was stolen and have had no help to retrieve it. 
I also requested to know why my claim was even denied and have gotten nothing back!