davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Entrata Inc. (FL)

Resident verify caused a denial of my apartment application in which my income is XXXX the rent and I have no debt nor any evictions nor did I even have a social security number on my application as there was no option to put one therefore the information provided by Resident Verify is complete unverifiable. Ive constantly reported this matter to XXXX as well and as a result it seems as though XXXX has not removed the fraudulent accounts from my credit profile. Such as the XXXX accounts etc to no avail. Now I am suffering injury and loss. I have already submitted a police affidavit pursuant to the matter. No affidavit nor verified person in opposition has came forward in dispute.
Consumer complaint received 2023-02-11
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

Subsequent to the large data breach in 2017 the credit bureau that caused it gave us free access to a program called XXXX XXXX at a competing credit bureau, Experian for one year. This complaint concerns Experian. Last week I and my husband each received two emails from Experian/XXXX XXXX stating that our protection had run out and our accounts were unfrozen. Since it was about time for our free protection to run out anyway, I thought the emails were probably legitimate. I did not click the link in the email because of concerns about phishing. So I attempted to place a simple freeze on our credit at Experian through their website. First, I got a statement that the accounts were already frozen. This contradicted what the emails said. So I went back later to the website to double check and they repeatedly told me they could not process my request. A phone call resulted in no response from any human being and no access to any human being. The computer generated response over the phone was that our accounts were still frozen. I have no idea whether they are frozen or not and I can't reach a human being to find out. Meanwhile, we may or may not be exposed to any fraudster who wants to take out credit in our name.
Consumer complaint received 2023-02-11
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. (SC)

XX/XX/2023 I upload my passport and a current bill to show proof of residents and no action was changed on my credit personal profile on credit report. I called experian, XXXX, and XXXX on XX/XX/2023 to correct my personal profile and to please mail in proof of the change and it was not corrected. I am reaching out to you to help me to remove all inaccurate information off of my credit report, and update correct information.
Consumer complaint received 2023-03-14
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. (AL)

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 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 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.
Consumer complaint received 2020-01-02
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: JPMORGAN CHASE & CO. (NY)

On New Years XX/XX/XXXX somebody applied for a JPMCB credit card and I received an e-mail notification from Chase stating that the decision will be mailed which is how I found out. I know I didn't apply for a credit card so when I go in my e-mail I can also see whoever it is is deleting the notifications from my e-mail. I immediately called Chase. It shows an address on my credit file that doesn't belong to me which is XXXX XXXX XXXX, XXXX XXXX MA XXXX Single Family. This is obviously the person ( s ) who applied for the card. They even changed my e-mail and phone number which Chase took care of. They also applied for a {$10.00} Chase reward card. My credit has been affected by this and this is not me. Please correct it as I don't want to be responsible for something that I did not do. Please advise on the matter. Thanks in advance. I also see that my birthday is wrong. I do not know why it shows as my daughters birthday as she got hacked on New Years too. My birthday is XX/XX/XXXX NOT XX/XX/XXXX. Please correct the information. Thanks in advance!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to bring to your attention the unresolved issues I am experiencing with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information, and as of the current date, I have not received a response. The details of the inaccuracies and the required corrections are as follows : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$690.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$740.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$22000.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$320.00} ) : I require that you verify the accuracy of the account identified as XXXX The reported balance of {$320.00} is inaccurate, and the Past Due amount should not be presented as the account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. Additionally, I request verification of the Date Opened, Date of Status, and First Reported. 


XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$420.00} ) : The following account is not mine. Please remove it from my credit report.
Consumer complaint received 2020-01-02
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: CITIBANK, N.A. (NY)

My full legal name is XXXX XXXX XXXX. Someone named XXXX XXXX used my social security number to open a credit card with XXXX 's on XX/XX/2018 and made a purchase of {$1200.00}. This was illegal. I don't know this person. I have filed a identify theft report with the Police Department. I have opened a dispute with Bloomingdale 's Fraud Investigation Department. However, the Credit card issuer Bloomingdale 's Fraud Investigation Department XXXX XXXX XXXX, XXXX OH XXXX informed me that I am responsible for the charges on this authorized credit card. I have spent many months to revolve this issue with the issuer. I followed the instruction given to me by their Fraud department. I sent them my police report, proof of identify and Social security card. My social security card and ID clearly indicate I am not this person name " XXXX XXXX ''. Unfortunately, the credit issuer wouldn't help me to resolve this issue. I am really desperate. I have exhausted all the available help I could find. I am a low incomer. I could not afford to pay for this outrageous charge. Please advise me what should I do to to resolve this issue and further prevent someone steal my identify for their financial gain.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (WA)

American Honda Finance did not send billing information until after the loan was due. Contacted them 2 days prior to the bill being due on XX/XX/XXXX. They told me to all back on Monday XX/XX/XXXX and I had to scramble to get the payment sent as they accused me it was late.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FULTON FINANCIAL CORPORATION (DE)

I held a joint checking account with my father, after his passing in XX/XX/XXXX, I went to Fulton Bank, XXXX XXXX, XXXX XXXX, XXXX, DE XX/XX/XXXX and presented a short certificate, death certificate and other required identification to have him removed from the account - transaction removing deceased signer. On XX/XX/XXXX, I was told the account was transferred to my name and I was the only person to have access to it. Seven months later, I came to find out that someone else had been going into the account and checking balances and watching activity. When I found out, I contacted the banks customer service line. After being transferred to online access, I was informed that while I was the only person with access to the account, the online access to the account was not shut down, hence leaving it open to anyone who had access prior to my father 's passing. My personal non public information was violated.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-16
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. (TX)

In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my right .

15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: 2288984 Ontario Inc. (MD)

On XX/XX/XXXX I contacted Moneykey to advise them that i wished to cancel a pre-authorized ACH debit I advised that i would call in a payment on the die date ( XX/XX/XXXX ). XXXX  XXXX i received a notice from them advising that it was their final demand for payment. My payment is due XX/XX/XXXX however on XXXX they sent a final demand for payment and threatened to send my account that is not due until XXXX to a 3rd party collection agency.
Consumer complaint received 2022-10-16
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 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.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair Credit Reporting act. 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 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 2022-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Date Assigned XX/XX/2018 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERVICES Original Amount Owed {$2500.00} Amount {$2700.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NY)

On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. 

On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. 

XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. 

XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. 

XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. 

It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

Ironically, the company claims that the complaint is not recognized by the company. Perhaps, the company should type in the web address from the attached credit declination letter from XXXX XXXX, if you type www.consumerdisclosure.com it clearly brings you to LEXISNEXIS RISK SOLUTIONS! 
Attached is a credit declination letter from XXXX XXXX dated XX/XX/2022. The letter advises that a report was utilized by the ISO Consumer Report Center. I am making my request within 60 days of the attached letter. Thus, please mail a complete copy of the report utilized by XXXX XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (PA)

I secured this loan while enrolled full-time as an XXXX at the University of XXXX, and I have been enrolled full-time since then. I am currently enrolled in graduate school, and I will complete school in XX/XX/XXXX. 
I have continuously received harassing phone calls and letters about repayment, despite the terms of the loan stating repayment will be deferred until I am out of school - there is also supposed to be a 6-month grace period upon graduation. Wells Fargo has inappropriately caused my and my mothers credit to be harmed. 
I called Wells Fargo on XX/XX/XXXX to inquire further, once I saw that it had been reported as a debt in collections. The representative I spoke to said she had access to every academic term I had ever been enrolled, and she assured me that it was their mistake, and they would correct it. 
However, I just received a letter dated XX/XX/XXXX that they noticed I was no longer enrolled in school as of a date that hasnt occurred yet ( XX/XX/XXXX ). The letter also says that my repayment start date is XX/XX/XXXX, which is more than a month before I will complete my degree. This was an issue I was assured would not occur again on my call on XX/XX/XXXX.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of XXXX and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX