davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (AL)

I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX : 1. XXXX XX/XX/XXXX 2.  XXXX  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX Equifax 1.XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX, XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX. XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1. XXXX XXXX XX/XX/XXXX. XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX, XXXX 11. XXXX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC (AL)

The recorded caller does n't identify who they are with. The recording gives a name that I do n't understand but does n't sound like our name. A XXXX of the # reveals XXXX XXXX XXXX XXXX. This happens XXXX a day, every day. It rings XXXX times and stops. I 'm tired of it.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I send a FTC report to all three major credit bureaus on the XXXX of XXXX letting them know I have been a victim of identity theft. The unauthorized Account still remain on my credit company name XXXX XXXX amount {$190.00} date of charge off XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$870.00} date of charge off XX/XX/XXXX XXXX XXXX XXXX amount {$450.00} charge off date XX/XX/XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

Loan originated XX/XX/XXXX and balance charged off was {$1700.00}. I would like to follow up on the dispute with this bank because the charge off on my account has been past 7 years already and still have not been removed from my report. They are saying that it is due to be removed XX/XX/XXXX but I believe it should have been removed a few months ago. I have already submitted a dispute but was rejected by Wells Fargo but I would like to request all of my statements for this account from XXXX so we can see when the true date of my last payment was so we can determine when the 7 years really hit
Consumer complaint received 2024-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CT)

I have XXXX accounts with Marcus by Goldman Sachs that were linked to a work and phone email that I used for most of my business and personal accounts. I left the company on short notice and the phone and email were turned off. I have since purchased another phone and have another email address. My mistake was to use my work email but it is an email I have had many many years and one that I monitored regularly. As far as the phone it was my only phone and phone number that I had. I have called Marcus multiple multiple times and filled out an affidavit form provided on their website with my information and NEW phone number. I had it notarized at my local bank and sent it certified US mail. That was 4 weeks ago and they acknowledge they have received it but keep telling me it is still under review. I was told I could close my account and finally requested to do so and after over 1 hour on the phone was told they are still reviewing my account and am not able to close it yet. My checking account is tied to the account and they can see it. Any help would be greatly appreciated. FYI I have account numbers and balances from a recent savings account statement.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I called XXXX XXXX on XX/XX/XXXX at around XXXX EST ( on a recorded line ) I spoke with a representative about paying a settlement amount of {$2500.00}. She then sent me to a " senior management. '' I explained the situation to her and she said she would talk to the creditor about the {$2500.00} amount. When she came back on the line, she then said she asked them for {$2700.00}. When explaining to her that's now we discussed and why she told them a different amount than what I told her she got upset with me and told me that they were in charge and she would put the derogatory marks of not paying back on my credit for 7 years. This debt was issued in XX/XX/XXXX and now she's telling me that she would restart the clock if I didn't pay the additional {$200.00}. When I asked for her name and to speak to a manager she told me she wasn't transferring me to anyone else and if I didn't pay in 24hrs she would put it on my credit record and I won't be able to do anything about it. When I kept asking she then hung upon me. I've tried calling back over 10 times to speak to someone about this and my phone number is not going through. I did call from my other number and it did go through then they hung up on me and I can't call them anymore.
Consumer complaint received 2021-08-25
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: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (PA)

in Accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account with XXXX XXXX XXXX was properly investigated but how is that possible if the last date of activity is inaccurate, the date reported is inaccurate, and last payment is also inaccurate. This is 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 A section 2 : it alos states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more then 30 days to complete my investigation
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (GA)

My name is XXXX 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 2023-07-30
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. (FL)

I sent a letter out XX/XX/XXXX to XXXX, XXXX XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Consumer complaint received 2024-01-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Affirm account # XXXX opened XX/XX/XXXX Affirm account # XXXX opened XX/XX/XXXX Affirm account # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

There are 3 collections on my credit report that I have disputed. There is inaccurate information that has stopped me from buying a house. I disputed the loan terms, ownership, monthly payment and accuracy of the accounts and the company said they were valid. I would like them removed from all 3 bureaus.
Consumer complaint received 2023-03-14
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)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2023-02-02
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. (LA)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : XXXX to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2021-08-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX/XX/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

I have an account with Lowe's/Synchrony Bank. I have been sending in my payments via a 3rd Party at the beginning of each month. You can imagine my surprise to discover that for the last 3 months I have been recurring late charges on my account. Let me give you an example as to their explanation. I pay my bills within the first 5 days of the XXXX day of the month. I am old and ill and want to be a good consumer. Now I have been advised that the monthly cycle ends not at the end of each month but by the XXXX of the month. Therefore, as an example, the payment I made on XX/XX/XXXX, was not posted as an XXXX payment, it was posted as a XXXX payment as their " cycle '' had not closed yet. Same way with the payment made in XXXX at the month beginning and XXXX. To add insult to injury they then charge me a XXXX " late fee '' for a payment they got early! Please explain how this is legal.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (PA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies
Consumer complaint received 2023-02-08
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)

XXXX XXXX is a fraudulent account. Ive attached all required documents with respect to 15 usc 1681c-2. Please see attached documents.