davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Consumer complaint received 2019-12-18
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. (NY)

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I HAVE IDENTIFIED INACCURATELY PLACED ACCOUNTS ON MY CREDIT REPORT. THOSE ACCOUNTS ARE NOT LIABLE TO MY NAME AND I WOULD LIKE FOR YOU TO CONDUCT A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THOSE ACCOUNT REMOVE OFF MY FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2019-12-18
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. (IL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Conn's, Inc. (TX)

I bought a Dining set at Conns XXXX XXXX in XXXX Texas XX/XX/2021 ( Address XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX ). Its called XXXX XXXX dining Set.I requested for return XX/XX/XXXX. The display in the store is washed gray, however I received chocolate brown which is clear that it is a factory defect. I went to the store twice, emailed the customer service and called multiple times. A lot of times I get ignored with my emails. They only approved me for exchange but they refused return. It is clear in their website and in the invoice that a final sale which they include furniture can not be exchange or RETURN UNLESS inspected by service technician and found to be a FACTORY DEFECT. I would like to emphasize that the dining set I bought is Regular price as what is reflected in the invoice. I would also emphasize that I did not received a copy of the invoice until I asked for it the second time I went to the store. I was only given a copy of instructions about the delivery on the day of purchase but not an invoice that includes their Policy on return and exchange. 
Yesterday XX/XX/XXXX, I requested for service technician to come to my house to verify or check the furniture but they refused, I was told by the customer representative that they usually would require pictures if it is color discrepancy. 

The reason why I am returning the dining not exchanging it is because I lost confidence on the quality of their merchandise. For me it is a substandard quality. It did not undergo good quality control. They are inconsistent in manufacturing it. I feel that my right is being violated by forcing me to buy something that is not worth the amount that I will be paying. 
I would like to complain about the way they make their policy. It is very tricky to the customer. They did not emphasize during at the store that this certain item is included in the final sale. Also they are doing false advertisement on their policy, if you notice there is discrepancy on the way it was stated in the website compared with that was written in the invoice. It is fruad if they are inconsistent, they are tricking their customers. 
My ticket number XXXX
Consumer complaint received 2021-11-10
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: Receivables Performance Management, LLC (CA)

Receivable performance collection agency illegally reported a fraudulent account to XXXX and XXXX using another account number. The previous dispute was accepted and deemed as fraud ( police report and ftc report submitted ) and account was removed. Collection agency then reported again using a new account number.
Consumer complaint received 2019-12-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report : XXXX ( NO ACCOUNT NAME ), XXXX  XXXX. Inquiries : XXXX XXXX & XXXX I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing deliberately not mailing out customers mortgage statements so they can charge late fees. I have filled complaints about this issue. I have a paper trail of deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires mortgage lenders or servers to send out monthly statements for each billing cycle. As well as an annual mortgage statement.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/2023, at XXXX ; XXXX, I entered the Citibank branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX to use the ATM. I withdrew $ XXXXfrom my checking account., Upon completing the transaction, a man wearing a mask and sunglasses tapped my arm, and pointed to a XXXX $ bill on the floor directly below the ATM I had used. I thought perhaps I dropped the bill, and immediately took my wallet from my backpack to see if I had the XXXX dollars, which I did.I returned my wallet to my bag. I told the man the money was not mine. He then picked up the bill and began waving it in my face. I repeated several times the money was not mine, and left the bank. 

I went across the street to meet a friend in a restaurant. While waiting for her, I decided to check my checking account balance on my mobile app. I saw two withdrawals were made after I withdrew the {$60.00}, from my checking account_____a teller withdrawal for {$4800.00}, and an ATM withdrawal for {$1500.00}. ( I later realized an additional {$1000.00}. was taken from my savings account. When I returned my phone to my backpack, I realized my wallet with my debit/credit card, other credit cards, driver 's license and Social Security card was missing also. 

I immediately returned to Citibank, and reported the incident to XXXX XXXX XXXX, a Personal Banker at the site. He called the Citibank Fraud Protection Unit, closed my accounts and opened new ones. While he was doing that, I called other credit card companies to stop anymore transactions from occurring, and called the police. Although the police never arrived, a completed an online report later that day. 

The reason I'm reaching out for help is that, to date, Citibank has only reimbursed
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (TN)

I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (LA)

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 2017-08-01
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: NAVY FEDERAL CREDIT UNION (CA)

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/ 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc (CA)

Here is the dispute that I sent to the company and haven't gotten a response. 

XX/XX/2023 To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX XXXX Address : Inquiries : Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 XXXX
Consumer complaint received 2022-01-04
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: BMW Financial Services NA, LLC (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. BMW FIN SVC item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BMW FIN SVC XXXX )
Consumer complaint received 2023-01-22
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my 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 adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I disputed inaccurate information that was being reported by 2 different creditors on my consumer reports with the credit reporting agency Experian, initiated over 5 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I opened a dispute with Citi due to a merchant not issuing me a promised refund. On XX/XX/XXXX I submitted all required documentation to Citi showing evidence ( via text messages and recorded phone called, attached here ) that the merchant offered me a refund and accepted the products back, yet never issued me a new invoice showing that I was given the refund. On XX/XX/XXXX, Citi ruled in the merchant 's favor claiming I did not provide evidence of the merchant accepting the merchandise back, even though this was provided. The merchant did not even dispute the claim that I had returned the merchandise. I am now liable to pay {$7900.00}, despite giving evidence that I received both no services or products of any value and was offered a refund by the merchant. 

The merchant never issued me a formal invoice showing a refund, but rather took the product back and proceeded to steal my money. Citi did not receive a response from the merchant disputing this charge, but still is unwilling to work with me and is clearly violating FTC rules related to fraudulent charges for services not delivered.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MT)

My identity was stolen last year. An account with XXXX XXXX was opened due to my information being stolen. It now shows that this bill from XXXX has been closed. The amount is {$3700.00}. I do not understand why this is still showing on my credit report. It is not mine and has been since closed but yet it is having a potentially negative impact on my credit score, which I have been working hard to increase. Can this please be removed completely. Thank you
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services (WI)

received information in mail that my I was pre-approved for a loan. 

Being close to XXXX I applied on XX/XX/19 again because I applied 5 month ago and did not accept the loan. I telephone them and inbox indicated they had my prior information but I need to reapply, so I did on XX/XX/19, they indicate I would get a fast approval and Find Out Within Seconds If You Are Approved. they took my information online and someone was to call me but never did. 

I called them at XXXX and they indicated they do not have my information anymore and do not know who got my information at their company. 

now I am afraid about ID Theft because they are not follow FCRA in my case. 

spoken to them again to try and solve this problem and they " XXXX '' indicated they had a uploading problem and would call back however, I never received any further notices from them other than the pop-up saying I would receive a call from them to fund the application/loan,
Consumer complaint received 2023-01-22
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. (IN)

In accordance with the Fair Credit Report act XXXX account # XXXX, account # XXXX, account # 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 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (PA)

My mom open a credit card added my name in XXXX. She died .she had all this credit card dept on the wells fargo card and they closed the card and wont give me a card and told me i was responsible even though she carged it. Over XXXX in charges
Consumer complaint received 2023-01-22
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.