davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged XXXX
Consumer complaint received 2020-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

I had chase bank do my bill pay. one of them was GM financial. It seems the payment was always late. I would receive calls from GM Financial every month wondering where s my payment. Were you late or were you n time that's what I want to know. I never receied any calls from my other creditors exept GM financial. They would bagger me for the payments. Please inform me if that not the case I do not like for anyone takes advantage of me. I feel you have. Just because I am a mental patient. Check your records because I am glad that I am no longer with your bank.
Consumer complaint received 2020-03-26
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. (PA)

These Hard Inquiries were without my verification nor consent, nor my knowledge, I have fraud protection and a contact number on file for them to first verify that it is me, and they didn't ... 


XXXX/XXXX  Inquiry from XX/XX/2020 + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 + All Banks XXXX/XXXX XXXX  XXXX Inquiry from XX/XX/2020 + Miscellaneous
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

ON XXXX I opened a credit card with HSBC Bank USA. I used the credit card for a few months always paying on time. The account was an online account so no statements were mailed to me. I never heard anything else until a collection notice from XXXX was mailed on XX/XX/2020 requesting {$7600.00}. I have made several attempts to correct this with HSBC. Overal, I have place at least 10+ calls and spent over 10 hours with HSBC on the phone. So far, I have not received any statements or any proof of the transaction. What I have learned is that the account was compromised, including the address, email, and driver license info all changed from my original application. Which makes it very hard for them to verify me to even discuss the issue. Even as of today, they will not send me a statement or any proof of the transaction because my real address does not match the one they have on file. Therefore, I did not receive any updates of the transaction for over a year. Only collection notices. I have spoken to the fraud department, collections, and left messages with their US help line, without getting a returned call. The charge is fraud and they have not provided proof that I made the charge. The claim that too much time has elapsed for me to contest the charge. This is impacting my credit score and I am trying to refinance my mortgage currently. I have also subhmitted a police report to my local police department regarding the fraud.
Consumer complaint received 2020-04-06
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXXXXX  & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX XXXX XXXX ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Credit Management Corporation (TX)

I had a second mortgage with Franklin Credit Management in 2006. The home was illegally foreclosed on and charged off years ago. Now Franklin Credit Management just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. Franklin Credit Management also re-aged the account.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities related to my mortgage account with XXXX XX/XX/XXXXXXXX . My previous complaint number, XXXX, was closed as a duplicate but needs to be corrected. My credit report indicates that my mortgage account with XXXX XX/XX/XXXXXXXX is past due, and I have undergone multiple loan modifications without my explicit consent or knowledge. I have never authorized any loan modifications or extensions of credit with your company. Therefore, I am formally requesting a complete copy of all loan modifications, extensions of credit, and reverse loan documents associated with my mortgage account for the last XXXX years and to the current year of 2024. It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy, fairness, and privacy of information held by consumer reporting agencies ( CRAs ), which includes your organization. The inaccuracies and adverse reporting from XXXX XX/XX/XXXXXXXX have had a detrimental impact on my credit report, preventing me from disputing the erroneous information effectively ; furthermore, despite my repeated requests, they are not duplicates. 

XXXX XX/XX/XXXXXXXX must provide the necessary documentation to verify the accuracy and fairness of the reported information, Including a formal request through the CFPB legal process through complaint number XXXX. This lack of transparency and cooperation is unacceptable and compounds the severity of the situation. By XX/XX/XXXX refinancing the home equity loan without obtaining consent from each owner, the lender disregards the property rights of the individuals involved. This contradicts the spirit of the constitutional provision, which aims to protect homeowners ' interests in their properties, and violates Property Rights. I am officially requesting that XXXX XX/XX/XXXXXXXX provide all the documentation under the Fair Credit Reporting Act and for Equifax and XXXX, as XXXX XX/XX/XXXXXXXX fails to provide the requested documentation to verify the accuracy and fairness of the reporting. Under the doctrine of estoppel by silence, XX/XX/XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists, and the fraudulent credit report item should be removed from the credit report.
Consumer complaint received 2022-12-28
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. (MS)

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 Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
- XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-06
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXExperian  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice.

XXXX XXXX XXXX  ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XX/XX/2020
Consumer complaint received 2020-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc. (PA)

I get calls about 5 times a week. Usually, it's just a recording that mentions a person XXXX XXXX XXXX XXXX who is not me saying that I should call XXXX ( the number that calls me ). Caller ID says " XXXX XXXX  ''. Other times, the robocall says nothing when I pick up. 

When I call that number to try to resolve it, it is out of service. So I looked up the number for Real Time Resolutions and spoke to a customer service agent. I explained that there is no XXXX XXXX in my household and to stop calling. They said that have no record of my phone number so there's nothing they can do. 

If a company can robocall you they should have a duty to stop it. I am on the donotcall.gov list. But I think robocallers just ignore that since there is no enforcement.
Consumer complaint received 2022-12-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # listed below XXXX, Experian, 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 XXXX XXXX XXXX XXXX Account Number : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX  Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # listed below XXXX, XXXX, Equifax, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (TX)

This is in response to the contract that Realtime resolution posted indicating the account was a revolving line of credit and that they coded it that way on the report. I have attached the contract they sent that actually show it was NOT A REVOLVING LINE OF CREDIT! 
Even had the person responding been accurate then the Advancement was already been completed therefore converting it into an installment loan and not a revolving line. It's not something you can pay and borrower again on either way. The contract actually states a non-revolving line of credit. I have highlighted the agreement terms.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
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 status incorrect
Company: Experian Information Solutions Inc. (PA)

Hello the XXXX XXXX XXXX account listed on my Experian credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on Experian as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and XXXX has it showing as account status charged off. I have the right to accurate complete 100 percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my Experian XXXX and XXXX reports regarding this account. Thank you.
Consumer complaint received 2020-03-26
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hi I have been disputing this account for years now because it is t mine and it is affecting my credit score. This account apparently went unpaid for some time and is now in collections. My score is in the XXXX. I have even resulted to paying off this debt that isnt mine just to fix my credit but then someone told me I should stop doing that and just continue to report it. I dont know what to do. I even recently found out that it might have been my estranged mother who open the account all those years ago. I have spoken to her since I was like XXXX  years of age. She lost custody of my siblings and I about 20 years ago. This woman has no ties to me other than she birthed me. I cant say for sure whether it was her but my family and I have our suspicions. This a a serious case of fraud. And I need this account removed as soon as possible from my report and if I could get back any money I paid to it or not its okay if its lost I just didnt know that I could leave it unpaid. Theres a lot I dont know about credit.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, there have been some fraudulent amazon packages being sent to my house. I called chase to cancel the card. Some packages were sent to my house and some were sent elsewhere. None of the transactions are on my amazon account. I have already disputed with chase, but they have said that Amazon is refusing to retract the funds despite the identity theft. I have already submitted a complaint with the sherriff 's office and the federal trade commission. I have offered to send the packages back to amazon. Amazon has refused to tell me where the packages have gone or the email used to purchase. Amazon has confirmed to me in writing that the packages are not on my account with them. There is {$530.00} in dispute. Amazon and chase have refused compensation despite identity theft and fraud being reported to the FTC and sherriff. In addition, Amazon has refused to take the packages back.