davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-03
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. (FL)

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and Equifax XXXX XXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-03
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. (IL)

XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable transunion and XXXX  still reporting the account
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AUTOMOTIVE CREDIT CORPORATION (VA)

There is a auto loan on my credit report that i did not authorize i have no knowledge of this company and i have never financed or leased a vehicle in my life i do not even have license to be able to get a vehicle
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I received an email stating I had a receipt for the purchase of " XXXX XXXX '' in the amount of {$190.00}. I immediately logged into my Chase checking account and noted the pending transaction. I then called Chase right away to alert them that someone had made a fraudulent charge to my debit card and to please freeze me account, file a dispute for the charge, and send a new card. They did all of the above. However, to my surprise, I received a notice on XX/XX/XXXX that they " found that the transaction ( s ) was processed correctly or was authorized. As a result, we are removing {$190.00} from your account on or after XX/XX/XXXX. '' I immediately called chase again and asked them to explain why a fraudulent charge was being removed from my bank account. Their response being, and I quote, " because the company was able to provide your email address as proof that you made the purchase. '' What?! This is why Chase allows fraud companies to steal from their clients? I could find anyone 's email address on XXXX if I wanted! I explained that I had moved from the address that the item was being mailed to, a month prior to the purchase. Why would I order something and have it shipped to an old address, literally across the country? To be clear, I moved from XXXX  on XX/XX/XXXX to XXXX XXXX. This is evident in the official change of address provided by the Postal Service. The Chase representative stated again, because the company was able to provide my email address as proof that I made the purchase. This makes no sense. Chase allowed a fraud company to steal {$190.00} from my checking account. I will be closing my Chase account, however, not before I get the money I worked for, back.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (UT)

Conns is reporting account # XXXX for {$2300.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Conns to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Conns and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided a Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address, indicating that the account is not my account. Conns advised that they've determined that I'm liable for the account and related charges on baseless facts. The suspect used a Texas address when they opened the account which caused this incorrect address to reflect on my credit report. The disputed address is also part of the FTC Affidavit report and police report. Conns investigation results are inaccurate and incomplete.
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/XXXX, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX CO XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX AU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-15
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. (FL)

As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX  The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXXXXX The Following Account Is Not Mine XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc. (CA)

In reference to XXXX : The CARES Act states that XX/XX/2020, is included as one of the wage garnishment refund dates. My paycheck was not valid until XX/XX/2020, and the payroll company can not put the transfer on the accounting ledger until XX/XX/2020. 

The perpetrator 's comment : " As for the complainant 's XX/XX/2020 paycheck addressed in his complaint, that garnishment will not be refunded as the payroll company had already processed that prior to this Act being effective. Any payments processed after XX/XX/2020 by his payroll department will be refunded to him. The refund and suspension process are steps that take time and do not happen immediately. '' Delta Management Associates is out of compliance with the law as the CARES Act includes XX/XX/2020, as a payroll date in which wage garnishments are to be refunded.
Consumer complaint received 2020-04-11
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. (NY)

Hello, The following inquiries known as XXXX is reported on my Equifax and XXXX  credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

American Express promotes their Blue Cash Preferred Card as 6 % cash back, but doesn't recognize simple grocery stores as XXXX XXXX as qualifying for the 6 %. Their definition of a " supermarket '' is narrow, and isn't clearly stated in their advertising.
Consumer complaint received 2020-04-11
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. (NY)

Hello, The following inquiries known as XXXX is reported on my XXXX  and TransUnion credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.
Consumer complaint received 2020-04-03
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. (IL)

XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable XXXX   and Equifax still reporting the account
Consumer complaint received 2020-03-25
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. (AR)

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (NV)

On XX/XX/XXXX, National Business Factors reported a delinquent balance and collection account to credit reporting agencies in the amount of {$130.00}. We reviewed are records and could not locate any previous information of this collection attempt, alledgedly taking place around XXXX of XXXX. I may have documentation about this, but would have disputed and requested for verification. NBF would have not have been able to validate the collection attempts. 

On XX/XX/XXXX they were notified that they failed to validate the debt and to stop collection attempts. 

We received a letter dated XX/XX/XXXX from NBF stating that they are unable to locate the collection attempt and that they needed more information. We provided all information noted on the credit report for the collection attempt.

NBF has done one of the following, 1 ) NBF failed to notify us of this collection attempt. Therefore, we dont have the information you are requesting to identify the account. I highly doubt that NBF is unable to determine the account we are referencing since NBF reported it to the credit agencies, without just cause. I imagine a person with a low IQ would be able to find this account in your system with limited or no training. In previous correspondence that we sent, there was enough identifiable information included for NBF to find the account.

2 ) NBF failed to respond and properly validate such collection attempt. NBF has sent other collection notices and for each one, have failed to provide proper validation. 

NBF does NOT verify their collection attempts. They send a form letter stating that we should receive information directly from the company they are attempting to collect for. At no time has NBF properly validated their collection attempts and have reported to credit agencies without proper cause, which has resulted in financial hardship and likely denial of credit during a time when credit is needed. 


NBF needs to be investigated for their collection attempts. I imagine many others have attempted to get proper verification and have failed to receive it, but NBF continues collection attempts. I hope CFPB will investigate and fine NBF as appropriate for each violation.

NBF also uses different letter head, fonts and names with its correspondence which makes it very confusing and difficult to know what they are writing about.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My loan at XXXX is in the process of being transferred to Loancare, LLC/XXXX  According to XXXX, the effective date of transfer is XX/XX/XXXX According to Loancare, the effective date of transfer is XX/XX/XXXX. 
I have already made my XX/XX/XXXX and XX/XX/XXXX loan payments to XXXX as of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX respectively along with additional {$600.00} principal amount for each of those two payments. 
Loancare has been making daily phone calls to me including on weekends asking me to call back and when I do they say I am late on my XXXX payment. 
These calls are now turning into a daily harassment with no way for me to turn them off. 
I have requested XXXX already to expedite the transfer of my payments : however since they appear to disagree on the transfer date of the loan XXXX XXXX XXXX XXXX versus XXXX XX/XX/XXXX seen by Loancare ), they are not in a position to help out either.
Consumer complaint received 2020-12-21
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: EQUIFAX, INC. (NY)

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from my credit report.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The name of the company is called XXXX XXXX XXXX, however they show up on my equifax and XXXX report as XXXX XXXX XXXX. THEY ARE REPORTING ON BOTH MY EQUIFAX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have been disputing this account XXXX  XXXX XXXX XXXX with experian since XX/XX/XXXX and the other credit bureaus, XXXX, and fast XXXX  replenished deleted the account, but experian continues to report this account and responding that the account is correct and verified. when the company has never validated the account or provided a HIPAA release. On XX/XX/XXXX I started to keep track of my disputes in case I needed to make a complaint like this. and here I have some of the proof of my disputes with copies of certified mail and tracking number. also experian open a investigation one date and next date update if and three more date just close the dispute.and this is being since XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to OHIO XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX I am aware that HIPPA does allow for limited information about me but anything more than to OHIO XXXX and XXXX XXXX XXXX  is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2020-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Federal Reserve reduced interest rates to zero. Interest rates for all types of loans was lowered by all banks. We have home equity loan with " floating '' rate that was supposed to reflect the general trend and Federal Reserve rates in particular. Yet our rate of 4 % is unchanged even in these Covid-19 circumstances. Moreover, after making {$1300.00} payment for principal last month our interest this month not decreased but increased from {$130.00} to {$140.00} ( XXXX! )
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

Theyu refused to fix warranted items, and when I could not pay they locked the computer cause me medical liabilities I tried to settle in XXXX XXXX Second Court in XXXX, La. but they failed to show up at court.
Consumer complaint received 2020-04-04
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. (GA)

XXXX XXXX submitted to Experian on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified XXXX XXXX of this but they have still not corrected my information with Experian. So my credit score went from XXXX with Experian to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. XXXX XXXX is ruining my life and even though my identity and proof of life was made clear to XXXX XXXX by me and by Social Security Administration. XXXX XXXX is not moving to fix this with Experian. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. Thank you
Consumer complaint received 2023-01-28
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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