davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (UT)

XXXX continues to verify a Synchroncy bank/gap debt to XXXX, during the dispute process, that has been reported as fraud. XXXX have received XXXX police reports from XX/XX/XXXX & XX/XX/XXXX from XXXX & XXXX, and have removed their reporting to those credit agencies. The report from XX/XX/XXXX was from XXXX XXXX Police, & XX/XX/XXXX was from XXXX XXXX Police Department. There was fraud on my account with gap from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I paid off my loan and the organization is holding my payment and lien release for an excessive period of time. The payment cleared my checking account the same day as when I called in on XX/XX/XXXX. I was told the lien release would be sent electronically after 7 business days on XX/XX/XXXX. Since that payoff call I have made multiple calls and been given different information and dates every time I call. Additionally I have been lied to multiple times and by multiple phone reps. Lies have been about a supervisor/manager being at their desk ready to take a call only to find out on the next call minutes later the manager is out of the office that day. Also the reasons for the delayed hold and subsequent lien release seem to change every time I call. No one seems willing to have an honest conversation about the service and issue.
Consumer complaint received 2022-09-28
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. (NY)

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 Dept of Education/XXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account # XXXX XXXX Dept of EducationXXXX Account # XXXX, Dept of Education/XXXX  Account XXXX XXXX has violated my rights 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 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
1.XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (TX)

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these XXXX  Alerts are not deleted, I will also file a XXXX  report.
Consumer complaint received 2022-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My business account was closed due to a check I processed from my customer. My bank ( Chase ) said they could not verify the customer. I gave them the customers phone number. I also went to the customers bank ( XXXX XXXX  ) to verify the customer and if the check I was given was genuine. Chase insisted they couldnt verify the customer hence the account closure.
Consumer complaint received 2022-04-21
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy 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
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy 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
Consumer complaint received 2021-08-26
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: HireRight Solutions, Inc. (OH)

HireRight had incorrect dates for when I lived at certain address and worked with certain employers. 

I sent over a dispute of the corrected dates and instead of correcting them, they just closed out the dispute.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164.

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to Transunion & XXXX ), XXXX  XXXX ( only reported to Transunion & XXXX ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-21
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. (NC)

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164.

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX & XXXX XXXX, XXXX XXXXXXXX ( only reported to XXXX & Equifax ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I began the application process for a home mortgage with XXXX XXXX XXXX ID XXXX at Wells Fargo. As part of the process, she provided us with a release of information which included the following : " I understand, acknowledge, and agree that Wells Fargo and other third party loan participants can obtain, use and share my tax return information for purposes of : - Making an offer on a property - Originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan - Marketing - Use as permitted by applicable laws, including state and federal privacy and data security laws '' When I expressed discomfort with my tax return being shared for purposes of marketing, she replied " I am not sure where you got the idea that the tax return would be shared with 3rd parties for marketing purposes. It is not and I would total agree with you if it was. If you read the 2nd page of the transcript request it addresses your concerns under the privacy act. '' This is blatantly misrepresenting the actual document that she requested I sign. The transcript request here refers to a copy of IRS form 4506-C, where the privacy act information refers to the federal government 's use of the information.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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. 
Central XXXX XXXX Account 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 2022-04-21
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Conn's, Inc. (TX)

I am a victim of Identity theft. I have followed all procedures with FTC I did not open no accounts with Conns. I have no knowledge of the account I would like for XXXX XXXX to remove from my credit report.
Consumer complaint received 2022-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (WI)

We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.
Consumer complaint received 2022-04-21
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-21
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. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I sent a 609 dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX, I saw a health debt collection on my equifax report. The date of first delinquency is on XX/XX/2018 and the original creditor is a doctor in pennsylvania. There are a couple of problems : First, I have never been to pennsylvania in 2018, let alone visiting any doctors there. I don't recognize the doctor name ( creditor ) at all. 

Second, I haven't ever been contacted by any agencies/doctors about this debt. 

Third, this collection record only appeared on my equifax report but not other reports from XXXX  or XXXX. 

I disputed using Equifax website on XXXX XXXX however Equifax sent me their investigation report on XXXX XXXX saying the record is " accurate ''. 

Equifax has a history of matching wrong records to my credit report. They used to match wrong credit cards, addresses, names, and phone numbers to my files. Each time I needed to file a complain with them. Sometimes it is handled quickly but more often than not, like this time, they don't fix the problem despite that it is so obvious.
Consumer complaint received 2024-02-19
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. (TX)

I am writing to urgently request the immediate removal of fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and financial standing.

I have discovered the following fraudulent items on my credit report : I did not authorize or engage in any of the activities listed above. These fraudulent items are causing significant distress and damage to my financial reputation.

I request the following actions be taken : Immediate Removal of Fraudulent Items : Conduct an urgent investigation into the fraudulent items listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent further unauthorized access to my credit information and protect against future instances of fraud. 

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the fraudulent items.

Please acknowledge receipt of this letter and provide an update on the steps being taken to address these fraudulent items. I am asking for your assisstance to remove these fraud items in my credit 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
Consumer complaint received 2022-04-21
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-21
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. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (LA)

I previously borrowed {$800.00} from this company. I have paid back {$1200.00} of that. I am struggling to pay the balance due which is {$1000.00} as I have admitted to and is getting help for XXXX XXXX. I have asked that this account be closed as paid in full or atleast given a reasonable settlement. 
My response was a threat from Mypaydayloan via email for copyright infringement, disclosure of confidential information and breach of contract and a {$900.00} settlement offer. 
Again I am struggling financially and am asking that this be paid in full or given a more reasonable settlement. Being paid in full would be more satisfying to me as this has been the most unpleasant experience ever and I will NEVER get involved with companies like this again!!
Consumer complaint received 2022-04-21
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. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.