davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (IL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$64.00} under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$5700.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$660.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge offs, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-12
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. (CA)

This is one of my numerous 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. XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I initially disputed a collections on my credit report back on XX/XX/2020, transunion removed it because they found it to be invalid. 

The same collection amount was then placed with a different company. Transunion then placed it back on my credit report although they have previously found the debt to be invalid. I have since disputed 3 times, once in XXXX, once in XXXX, and now this month. 

I contacted transunion in XXXX. I explained this wasnt a valid debt they stated they saw where it was previously removed. I asked them to provided written documentation of the dispute including documents showing my signature and explanation of the debt being valid. All they did was provide a letter stating that they verified it was valid. But not proof was provided. 

Im very frustrated, I want elevate recoveries removed from my credit report. They have not provided any valid explanation for debt nor have they ever contacted me. 

Im frustrated with transunion. This is affecting my credit. I have attempted to apply for a school loan and it is affecting that as well.
Consumer complaint received 2023-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I disputed them and they remain on my credit report!
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 17th 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 XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I Have made numerous request FOR THE ADDRESS TO SEND A NEGOTIABLE INSTRUMENT per their agreement, American express front line reps seems not to what address to provide, they say have not been provided training for such a thing. 


their seems to be a disconnect between the representatives and American Express own policies or American Express does not have a information database where this information can be easily accessed, either way the information I have requested should not be that hard to obtain considering it states on page 2 of my statement that American Express do except negotiable instruments as a form Below is page 2 section ( 2 ) of every American statement..

PAYMENTS : Your payment must be sent to the payment address shown on your statement and must be received by XXXX XXXX local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a XXXX XXXX and payable in US dollars, or with a NEGOTIABLE INSTRUMENT payable in US dollars and clearable through the US banking system ; and ( 3 ) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system
Consumer complaint received 2023-09-12
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. (SC)

This is my XXXX 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 XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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)

On Saturday, XX/XX/2023 I received a notification via email ( from my XXXX credit account ) that there was a hard inquiry made by XXXX XXXX. I called them to dispute and they said it was a personal loan application made through XXXX XXXX ( a company like XXXX XXXX ). I did not apply for a personal loan. This was a fraud. 

I placed a freeze on my social security number and have already contacted Experian regarding the fraud. I was told by both XXXX  and Experian to file with FTC to get this off of my credit report ASAP. 

I am going to call the other 2 credit bureaus today.
Consumer complaint received 2017-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I received a letter today from ( Bayview loan servicing llc ) They bought my loan from ( XXXX ) in PA they bought my loan back in XX/XX/2016. I have been current on my loan with no missed payments since i took the loan out. The letter states that they will for close on my house in loan is not paid in full.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

For my loan to be forgiven I have to pay XXXX payments. At one time I was XXXX  payments which means I paid XXXX Payments. I check back and now they are saying I made XXXX payments. Which is it? How could it change? My loans should have been forgiven and now they are reporting my loans payments inaccurately.
Consumer complaint received 2021-05-20
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. (UT)

The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Hatfield, Inc. (KS)

I asked this company to cancel my subscription. I have called this company multiple times and no one answers and they direct you to an bot to chat with. I told this bot to cancel my subscription and now Im having money stolen from my bank account. This is fraud. I try to email them and it sends you back just an auto email message with nothing to do about your issue.
Consumer complaint received 2023-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

I bought a prepaid Vanilla gift card from XXXX store for {$500.00}. 
When I was inside the XXXX I opened the card and immediately see the 4 digit out of 16 digit of the card is missing and thus can not be read. 
While I was still inside XXXX I called the the Vanilla gift card customer service and informed them of the card issue. 
They asked me to send them my personal documents which has a proof of my address as well as my driver liscence and a picture of the card with missing numbers and the receipt where I purchased the card. 
I already email all my documents which they asked for to their designated email over 2 weeks ago.

However, I have not heard anything back from them and never sent me a replacement card at the address I provided them. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (TX)

On XX/XX/year> and XX/XX/year> the following companies illegally accessed my credit report by processing inquiries without my knowledge or consent. I have no knowledge of who these companies are. They made numerous inquiries on my credit reports on both days. 

On XX/XX/year> and XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account # XXXX  Inquiries XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (HI)

Closed my Macys credit card on XX/XX/XXXX because I learn when I tried to use the card in store was told my account was closed on XX/XX/XXXX by Macys for Inactivity. Called on XX/XX/XXXX spoke to XXXX ( Supervisor ) employee no. XXXX who said, she would close my account with Macys but XXXX instead of closing my Macys account XXXX opened without my authorization/permission another credit card with Citibank because Citibank bank is the credit center for Macys. So I only know the last 4 numbers of that new account XXXX opened in my name with Citibank because XXXX sent me a letter showing the new account number ( only last 4 digits ). I have called several times requesting different representatives to close both accounts but it has fallen on deaf ears. I have even asked Macys FRAUD Department, Macys local store manager, Macys Credit Department, and Citibank Credit Department to close both accounts with NO success.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC (PA)

This collections is still being reported on all XXXX credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX CU # XXXX, XXXX XXXX # XXXX, XXXX XXXX, # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX