davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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. (WI)

On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.
Consumer complaint received 2020-08-10
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. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX AR XXXX {$980.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (IL)

I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX  and XXXX at least twice now. They find that CrossCountry is incorrect and then amend. Then a month or 2 later CrossCountry bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ensuring prompt payments has always been my practice on this account, and I have never experienced delays. I am unsure about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2024-01-30
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. (LA)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (FL)

I get calls almost every other day from Capio partners. When I am able to answer I state that I do not owe the debt and that I have already contacted insurance company to verify. I am repeatedly told that you are stating that you refuse to pay the debt and we will note your account as such and when I try to speak to defend myself I am hung up on. This happens every time and I consider this harassment and falsifying records because I am not refusing to pay debt I am stating it is not mine to pay.
Consumer complaint received 2024-01-19
Product: Credit reporting 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. (NC)

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023XX/XX/year>
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2015, I signed a contract with XXXXXXXX XXXX  for XXXX XXXX XXXX  services. The full amount due was pre- paid by Comedity bank. Hence, the XXXX XXXX XXXX  XXXX representative Mrs. XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. Comedity sold by loan to a XXXX XXXX XXXX XXXX. Even though i have sent support of proof of payment, XXXX XXXX  is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX XXXX letter after last payment was settled. I will provide support of contract if need, so you may see  the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-10-29
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: ProCollect, Inc. (FL)

This credit bureau did not correctly validate the debt and I requested a copy of an agreement showing I legally signed and bonded to this debt and they have not sent it over. It is against the law to furnish incorrect information from a debt collector ProCollect that I have nothing to do with. This is not my debt. It has been more than 30 days and they have not sent over any physical documentation that I signed an agreement with that debt collector. By law they are required to have a copy of it on file before furnishing it on my credit report.
Consumer complaint received 2022-11-06
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, 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 an account without my written instructions.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been an XXXX XXXX Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, TRANSUNION AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, a caller ( spoofing a correct government number ) claiming to be an XXXX agent supposedly informing me of an irregularity in my paperwork. They claimed that an arrest warrant was filed. Later, a second caller, also spoofing the local police department number, called and threatened to arrest me unless this irregularity was cleared. The fraudulent XXXX agent guided me under time pressure ( claiming it had to be done in 30 minutes for the police department 's benefit ) to send a payment of {$1900.00} to a particular account, while claiming it would be returned after an investigation was done. The fraudsters used false names and false ID badge numbers. During this process, the fraudsters also insisted that I share my phone screen with them ( again, supposedly for legal purposes ), which in retrospect was clearly an attempt to obtain login information. Luckily, this was avoided because of face ID substituting for actual password entering. 

I sent a payment of {$990.00} under this false premise from my Chase checking account using XXXX to an account under the name of " XXXX XXXX '' ( a further payment was declined due to triggering the bank 's security alert ). Because the fraudsters impersonated an official government agent and attempted to access my account, this is clearly an example of fraud that should be covered by regulation E, meaning the bank should reverse this payment. However, after a call with Chase, they refused any responsibility and offered no recourse.

Quoting the relevant Regulation E FAQ website : " ... ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. '' Any specific information can be provided on request!
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NV)

I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (AR)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX  XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I want this to reach the eye of the Capital One Corporate Office Vice President in charge of Customer Relations. 
I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance on both cards. I have had Authorized Users, including my wife and child for many years. a few months back, I used the Capital One online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported for over 2 months, so I called to inquire. To my dismay, I was automatically sent to their Fraud Dept. I was told that they needed the Signed SS Cards and the Front and Back of each Authorized User 's Driver License. I have provided ALL but one SS Card but submitted a W2 in lieu ( This compliance with Capital One 's policy to provide these many documented proof should serve as good faith and I should not have my cards remain closed. ) I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and to get the cards reopened because of a possible mistake. I was subsequently told that my accounts were closed due to returned payments on this or other related accounts. That is in fact NOT TRUE. I have NEVER had been delinquent with this company, nor do I have delinquencies with any other account, related or not.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX  XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2020-08-10
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX  XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX  XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}
Consumer complaint received 2022-05-15
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. (CA)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Hello - I am filing complaint against American Express for not issuing check on time for the positive amount on my account. I filed the request on XX/XX/17. When contact, they just keep creating new cases with 7 day response time.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Today, XX/XX/2020, and several times by phone over the past five years, I have contacted Lowes Visa because I never received my rewards. I made sure they had my current address and phone number. Checked to see why I stopped receiving my rewards. They have never sent them. They say they'll fix it, but never do. Their rewards card is a fraud.