davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (IL)

I have disputed the inaccurate Bankruptcy on my Credit Report with the Credit Bureaus and LCI Consumer Center and the Bankruptcy remains on my reports. I have never filed for Bankruptcy and it appears on my Credit Reports which has continued to harm my ability to purchase a home as well as being charged high interest rates on other purchases. 

This has to be illegal. How can anyone overcome such a a Wrong as this? 

I sincerely ask that this Bankruptcy be removed from my Credit Reports. Please find attached documents. 

Thank You
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.
Consumer complaint received 2019-12-17
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. (NY)

My credit for XXXX  and equifax was XXXX on the excellent pinnacle where it belongs on XX/XX/2019. It dropped 10 points on XX/XX/2019 for no reason and then dropped more than 100 points with no explanation on XX/XX/2019. It appears that XXXX made the error affecting the mistakes on my credit reports. XXXX had erroneously put my account into collections while the bill was being disputed. The collection remarks should not be there at all. I took this matter to the NYS Attorney General to finally get XXXX to correct the final bill owed from {$590.00} to {$220.00}. The email from XXXX on XX/XX/2019 confirms XXXX 's mistake. The letter I addressed to both XXXX and the NYS Attorney General explain the mistakes made by XXXX. The balance of. {$220.00} was paid on XX/XX/2019 to XXXX. Please remove the remarks from both XXXX  and Equifax from XXXX. I am a XXXX veteran and I am highly stressed over these mistakes.
Consumer complaint received 2021-12-26
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. (TN)

On XX/XX/2021 I mailed in a dispute certified mail to Experian that was received on XX/XX/2021 at XXXX XXXX  confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 

In this dispute Experian was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XX/XX/2021 Experian has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I applied for a credit card at a local SANs Club and received letter stating a wrong credit score-my current score is XXXX and paperwork says XXXX, I would line to know where they fit this number from!
Consumer complaint received 2022-08-31
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. (NV)

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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. (FL)

I was in a class action lawsuit with XXXX XXXX for the past 6-8 mos. ( maybe longer ) and the people won, so the people were to get 2 things, a small monetary amount by check, ( which I have not received ) and since they reported wrong things on our credit report the were also to take any credit reporting from XXXX XXXX off of all 3 reporting agencies... I see where they have removed XXXX debt from XXXX but have not removed Transunion or XXXX... Please have the reporting agencies remove any bad credit from my credit report per the stipulation from the class action law suit with XXXX XXXX.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I made a purchase in XXXX with my Comenity Credit Card for XXXX XXXX that had a 6 month no interest if paid in full. I paid off the promotional balance on XX/XX/2019 before the expiration date of XX/XX/2019 in the amount of {$270.00} and then made the minimum monthly payment of {$62.00} on XX/XX/2019 before the due date of XX/XX/2019 in the amount of {$62.00}. Per their statement period of XX/XX/2019, it states, " You must pay your Plan XXXX balance of {$270.00} in full by XX/XX/2019, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges. '' I've paid of the promotional balance before the expiration date and the minimum monthly payment also before the due date and I am being charged interest on a monthly basis and I have called multiple times and they have not corrected the issue to avoid the interest going forward. I was charged interest in XXXX, XXXX, XXXX, and now XXXX. I have been credited the interest charges ; however, I should not have to call every month to have the fees removed when they need to correct the issue on their end as I am reassured every month they will take care of the problem and that it will not happen again! Please assist me. Thank you.
Consumer complaint received 2019-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (AL)

My mortgage was being serviced by XXXX, but then was sold to Mid America Mortgage on XXXX XXXX. I never received a welcome letter or notice of transfer of my mortgage. The only way I found out was calling XXXX to pay my XXXX mortgage. After paying the XXXX mortgage, I have seen no evidence of the payment going through. Now I am trying to pay my XXXX mortgage and have tried to contact Mid America numerous times through many different avenues. I've been on hold several times with the longest time being 3 hours before I had to hang up. I've sent emails that have gone unanswered. Their website is broken and I am unable to create an account, because I have no idea what my new account number is. I'm in the process of trying to buy another home and I do not want this to affect my ability to purchase the new home. All I want to do is pay my mortgage.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I was in a class action lawsuit with Ally financial for the past 6-8 mos. ( maybe longer ) and the people won, so the people were to get 2 things, a small monetary amount by check, ( which I have not received ) and since they reported wrong things on our credit report the were also to take any credit reporting from Ally financial off of all 3 reporting agencies... I see where they have removed Ally debt from XXXX but have not removed XXXX or XXXX... Please have the reporting agencies remove any bad credit from my credit report per the stipulation from the class action law suit with Ally financial.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

I HAVE BEEN CONTACTING EOS FOR YEARS TRYING TO HAVE THEM MAIL ME DEBT VALIDATION. THEY CONTINUE TO MAIL ME A BILL. ANYONE CAN GET A BILL IN SOMEONE ELSE 'S NAME. I NEED THEM TO SEND ME THE ACTUAL CONTRACT THAT HAS MY HANDWRITTEN SIGNATURE ON IT. EOS/CCA REFUSES TO DO THIS.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

Good morning, for the month of XXXX the PMI was taken out 3 times, on the XXXX and twice on the XXXX. Is there a reason for this? Please get back to me as soon as you can, Thank you ( this is the email I sent 2 weeks ago XX/XX/22 ) I have been calling and leaving voicemails and no one is responding to me about this problem. My concern is every time they do my escrow analysis they say I have a shortage but my wife and I are very good with making sure enough money is in there to cover the insurance, property taxes, and the once a month PMI ( we even put in extra every month to avoid this and right now it feels like its impossible ). I feel like this company is stealing from us and we just want to be able to pay our bills and remain in our home without wondering every month why this extra money is being pulled from our escrow account without any communication.
Consumer complaint received 2021-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX XXXX XXXX XXXX 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Securus J Holdings, LLC (OR)

I don't think that JPay is clearly or correctly identifying the possibility of fees for credit cards. They should offer examples and estimates. Even this as a possibility was something I was ignorant about. I have never transferred cash with my credit card and I am confused why this company is seen as a cash transfer which resulted in being charged an addition {$11.00} on my credit card after paying the {$3.00} charge by JPay on a XXXX gift money transfer of {$49.00} to my friend in XXXX. In total, we paid 31 % in fees for this gift.
Consumer complaint received 2021-12-26
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. (AZ)

I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.
Consumer complaint received 2021-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

On XX/XX/2019, I notice that on my credit report in all 3 credit bueras appears collection debts I did not recognize.Around same time I start to receive calls from collection agency very random times and day. I contact them for details and they forward me to collection agency which provide me with details about original creditor ( apartment complex ) which I did not recognize. I ask for detail to provide me. It's appear that third party did use some of my information to obtain lease agreement. I did request to remove this collection as its not belong to me. XXXX agency did remove this collection, however XXXX and XXXX did not. I did request from them more information. XXXX send me information IQ Data International provide to them. When I did compare with details I was provided from IQ Data International I notice some number and the names for a fees was different which make me completely doubts about if creditor know what it reports. I forward those 2 different copies to XXXX and XXXX by mail to request remove it from my credit report cuz now I saw it was not only not mine debts but also no consistency in this collection. I did not get any respond on mail from this bureaus, only online they updated that collection been verified. 
On docs I will attached you can see those inconsistencies on that collection. I will also provide you bank statement with my residency at that period time.
Consumer complaint received 2021-12-26
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. (AZ)

I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my Private Client Checking account ending in XXXX in or around XX/XX/2020. Unfortunately, the remaining funds in the closed deposit accounts had never been returned after multiple attempts ( including calls and in-branch visits ) for recovery. I am requesting the immediate return of those funds to avoid further action. I am also considering pursuing the interest owed and other fees/compensation should this issue not be resolved timely.
Consumer complaint received 2021-12-26
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-26
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. (OH)

XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX XXXX  BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Experian in response to a dispute of said Bankruptcy that Experian verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Experian to Cease and Desist the reporting of bankruptcy case # 1314789 and to remove it immediately.

You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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: Bread Financial Holdings, Inc. (FL)

Comenity Bank/Marathon Visa Account number, XXXX. is a fraudulent account that was opened in XXXX, XXXX by someone using my person information without my authorization or knowledge, This is being reported on my XXXX XXXX XXXX. 
The address that was used to fraudulently Apply for and open this Comenity Bank/Marathon Visa is not my address, nor have I have resided at that address, nor do I know anyone who resides at that address which is located more than XXXX miles away from the address I've resided at for more than 22 years, XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX I have filed a Police Report, Filed out an " AFFIDAVIT OF IDENTIY THEIF '', provided documentation proving that I've never resided at the address used to apply for and open the fraudulent account, proven that I've lived at the same address more than XXXX miles away in a different city, in a different county, and have no ties to the address that was fraudulently used to apply for an open the Comenity Bank/Marathon Visa . Comenity Bank/Marathon Visa refused to remove the account from XXXX XXXX XXXX claiming that they can verify the phone number, which was already proven to be a fraudulent account by XXXX, and not mine. As well as claiming I made payments on the account, which I didn't I have repeatedly asked for proof of this documentation, yet Comentiy Bank/Marathon Visa refuses to provide any information to me too support their claim that the account belongs to me, which is doesn't. 
Comentiy Bank/Marathon Visa charged off the account in XXXX, then sold it to a third party, XXXX XXXX XXXX XXXX who in turn dismissed the matter agreeing with me that the account was fraudulent. Unlike Comenity Bank I have provided documentation to support my claim of Identity Theft.
Consumer complaint received 2019-09-10
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 — Problem with personal statement of dispute
Company: Clarity Services (CA)

Clarity Services Clarity for Consumers XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company keeps giving false info under my SSN when trying too obtin loan.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (CA)

I applied for prepaid credit card back in XXXX ( XXXX XXXX XXXX XXXX ). I add the amount of {$300.00}. I didn't use the card at all. this company failded to send me any statment and also never answer their phone calls. i found out about fraud acitivities on my account, i tried many times to call them. they never answer or calls back, until I emailed them on XX/XX/XXXX about those activities. so Issue me back a provisinal credit until they are done with investigation. meanwile i requested to close my prepaid credit card and issue me an new one with new nember. they failed to do that, new card never issued. XXXX months later they reported to the credit bureau late payment. I email them and asked for supervisor to call me. after many many request a supervisor did call to inform me that the investigation couldn't come back with anything because those fraud acitivies happened XXXX months ago. and u have to pay. i said ok i will pay since the amount wasn't big {$47.00}. and i asked why you repoted me as late payment while those acitivity where investigation? 
he said that there is nothing can be done. that's the policy. I told him i'm very dispointed and not happy with this compnay and i would like to close my account and get back my prepaid money. it took them another XXXX  months to close my account and they still reported me as late payment even though I paid the balance that was under investigation of transaction that i never made. now the company doesn't exist anymore another company bought it. and I'm stack with that negative item in my credit report. 
please read the reviews about XXXX  from other consumer. they are a fraud