davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft!! Please delete these items as soon as possible! 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vie rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

My wallet was stolen in XXXX XXXX Texas, 10 years ago, and accounts was opened in my name. I have no knowledge of these accounts. And is still on my report after 7 years.
Consumer complaint received 2023-01-04
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. (WI)

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 XXXX  % 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.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (NY)

I moved from XXXX XXXX XXXX XXXX XXXX, N, Y, XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX. My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

I received 5 emails in a row from Chase on Monday. It turns out somebody tried to fraudulently open both a checking account and a credit card in my name and then tried to change my personal information so it would come to them. The credit card side of Chase was helpful and assured me the account was closed. They would not provide a report number so i can't ask XXXX to put a watch on my account. 

On the checking account side, they continued asking for my personal information such as social security number, date of birth, address, etc... I explained i was not comfortable providing this information and that the credit card people were able to resolve this with just my name. 

After several rounds of them insisting i go to a branch or give them my personal information they hung up on me. They didnt seem concerned that a fake account was opened and is operating under my name. 


All i could get from them ID : XXXX ( the credit card side which seems resolved ) XXXX ( XXXX ) Reference # : XXXX
Consumer complaint received 2023-09-13
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (ME)

It was a loan arrangement online that the terms were very unclear. It is a {$750.00} loan with a payback amount of {$3500.00}. With the amount being taken out every single week and I would not have signed for that cause it is too much of a financial hardship. Tribal nations can no longer claim financial sovereignty due to Supreme Court decision XX/XX/XXXX and I believe this loan was in very bad faith, I was rushed through the process, and was not even the original company I contacted for the loan. I never would have signed these terms and the state of Maine gives me a week to contest the loan. This is definitely aggregious and have filed multiple complaints both state and federal.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your 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 become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-13
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

I received a letter in the mail from Citi advertising a {$200.00} cash bonus promotion for opening a new checking account. There were some things to do in order to receive the cash bonus - send 2 payments using the account. I signed up for the account on XX/XX/XXXX. I completed the required funding ( XXXX XXXX  ) and the payments by early XXXX. I then called Citi 3 separate times to confirm that I had completed all the requirements and that I would receive the {$200.00} bonus. Each time, they assured me that yes, the bonus was coming and I just had to wait. Then Citi charged me XXXX XXXXXXXX for low balance fees in the account. It's now XX/XX/XXXX and I've just called Citi again to check on the {$200.00} bonus. They again gave me no answers and this time just said " they'd look into it '' and that maybe I didn't click some enrollment button? I then closed the account to stop getting charged these XXXX XXXXXXXX fees. The whole process is absolute garbage. Why would you send me a letter in the mail advertising a {$200.00} bonus and then make it impossible to get? Should the person receiving this letter need to call 10x in order to receive the bonus? This whole thing is a consumer trap and their customer service department is all based in XXXX and has no idea what's going on. They just try to placate you enough to get off the phone and then wear you down so you won't call back again. I absolutely terrible process and customer service. Not to mention that I've been a Citi credit card customer for over XXXX... insane this is how they treat customers.
Consumer complaint received 2015-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX I have been diligently negotiating a Note Modification with Nationstar Mortgage. Since the inception of this negotiation Nationstar has been adding erroneous amounts to the impound account. Briefly {$550.00} per month will cover all the impounded expenses. Nationstar has been accessing {$870.00} to impound expenses ( see attached letter with back up to Nationstar ) Since XXXX/XXXX/2013 Nationstar has been applying these extra amounts to principle. I pay the insurance. There are no XXXX fees. The only item impounded is the Property Tax.
Consumer complaint received 2023-09-13
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX  It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( Transunion, XXXX, XXXX ) of the violations XXXX XXXX  conducted and requested the three major credit reporting agencies, Transunion, XXXX, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Chase is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Chase has not been able to refute this information/ laws. Instead Chase has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Chase stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Chase use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Chase is the fiduciary debtor. 
Therefore based on my various written requests via certified mail Chase should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury. As a result this Chase account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Chase refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Chase has made various references to the cardholder agreement but there is no statement in the agreement that opposes a mutual offset or discharge.
Consumer complaint received 2023-05-22
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. (FL)

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 correction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
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. (NV)

The following information is fraudulent and doesn't belong to me.

I demand immediate removal and blocks from these accounts and future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VIRTUOSO SOURCING GROUP, LLC. (IL)

VSG Contacted my step-daughter and told her I had a {$1600.00} bill that was getting ready to go to collections. I do not know how they got my step-daughters phone number and they definitely shouldnt be discussing my debt with her. Attempts to contact VSG today have been unsuccessful. I will update with any further communication from them.
Consumer complaint received 2016-03-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Nicholas Financial Inc. (KY)

I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX 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.