davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (OH)

One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I have given these Consumer Reporting Agencies plenty of times to remedy the issue. Here is my XXXX report showing NO BANKRUPTCY on my file. The credit report agencies have previously claimed this information has been " verified '' with XXXX, however it shows no where on my MOST RECENT XXXX report that this alleged bankruptcy has taken place. Remove it immediately. It is against the law to keep things on my consumer report that I am PROVING are not verifiable via XXXX. I have attached my most recent XXXX report showing NO bankruptcy.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (PA)

I am writing to raise a serious concern about the inaccurate reporting of my account with " XXXX XXXX XXXX XXXX '', account number ending in XXXX, by Equifax. The information detailed in my credit report for this account contains several inconsistencies and erroneous entries that I have unsuccessfully tried to dispute on multiple occasions. Each time I dispute, it comes back as " verified '', but there is no evidence of a proper investigation being conducted to validate these disputes. 

Firstly, there is a lack of payment history data for the period from XXXX to XX/XX/XXXX. Secondly, there is a discrepancy in the late payment reports for XX/XX/XXXX ( reported as 60 days late ), XX/XX/XXXX ( reported as 90 days late ), and XX/XX/XXXX ( reported as 60 days late again ). These inaccuracies are negatively impacting my credit standing. Lastly, a case of repossession is reported twice for XXXX and XX/XX/XXXX, which I believe to be a duplicate entry. 

Moreover, despite these clear discrepancies, I have not been provided with any documents related to the repossession or any explanation on how the reported balance has been calculated. This situation becomes more problematic as, according to my understanding of the relevant consumer laws and Pennsylvania laws, the statute of limitations for this debt has already passed.
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

- I have a collection account for {$5300.00} with National Credit Systems , Inc that I believe is due to Identity Theft and has damaged my credit report and has caused me to be denied for credit. 
- Company refuses to assist me and remove the balance from my report and record.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

After many unsuccessful occurrences of forwarding disputes to Equifax by certified mail to inform them of the negative effects their false and Inaccurate reporting has caused. At this juncture I'm moving to provide evidence of Equifax 's willful defamation of my character due to the continued false reports that are being published by their firm. These reports stand as violations of the FCRA and continue to cause a burdensome strain on my credit worthiness.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

I have filed two separate disputes, Dispute ID XXXX and XXXX, each valued over XXXX XXXX For Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received an email immediately afterwards confirming my dispute reason was Duplicate Charges, I would receive a temporary credit by XX/XX/2024. Unknown to me, a Chime rep changed my dispute reason from Duplicate Charges to Non-receipt of Goods/Merchandise , which would now make me ineligible for a credit. The only reason I found out the reason was changed is because I received an email on XX/XX/2024 requesting additional information for the claim, and the subject line had the dispute reason as Non-receipt of Goods/Merchandise. I immediately called Chime Dispute team and informed them of the error and requested it to be changed back to Duplicate Charge, which is what I filed it as XX/XX/2024. The request was submitted and I was given a new temporary credit date of XX/XX/2024. However, my dispute was denied XX/XX/2024 with a generic email and bogus denial reason. I called Chime back and spoke to a Supervisor by the name of XXXX only to find out my dispute reason was never changed back to Duplicate Charges I as requested. A rebuttal was filed, which was then denied again within a few days with the same generic reasoning. I requested the denial documents and Chime never sent them, which is a violation. The total credit for that dispute I should have received is {$5500.00}, and I want my money back immediately with a proper investigation. 

The Dispute ID XXXX was filed XX/XX/2024 for XXXX transactions and the reason was ATM Non-Dispense. I received a denial on XX/XX/2024 with the same generic bogus email I received for the last dispute filed XX/XX/2024. Chime did not complete a thorough or good faith investigation. I requested the documents used during the investigation and did not receive them. I also opened a rebuttal on XX/XX/2024 and was told I would need to submit documentation. The amount of this dispute is {$5800.00}, and I would like my temporary credit immediately while a proper and thorough investigation is completed. 

Chime is known for immediately denying disputes or denying on the day the temporary credit is due. It is seen as avoidance to give customers their temporary credits. Chime is acting in bad faith and allowing its reps to steal from customers, or not backing its customers when merchants are making errors in debit.
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (FL)

I have directly contacted Experian on multiple occasions regarding fraudulent information on my credit file that does not belong to me. I have tried to resolve via mailing Experian on the following dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Each time I have received a response that they are performing an investigation, or they are unable to honor my request when they should be following the FCRA and blocking the fraudulent information. I have had no issues getting any errors removed from XXXX  or XXXX  but Experian continues to ignore laws that protect identity theft victims without cause. Experian negligence have cause me great financial hardship and stress. Most recently I mailed Experian via certified mail ; return receipt on XX/XX/2020 which was received on XX/XX/2020 and signed for by XXXX XXXX at Experian mailroom. I have waited 60 calendar days and have received no correspondence from Experian and have grown frustrated to the point I have no other recourse but to file a complaint with the CFPB and pursue filing a lawsuit against Experian since their errors have caused me not to be able to obtain my security clearance for government employment. On XX/XX/2020 I mailed important sensitive documents to Experian regarding me being the victim of identity theft. For the past 6 years I have been XXXX overseas and was unaware of my personal information being compromised. It was not until I was honorably discharge from the XXXX XXXX XXXX, attempting to transition to civilian life and gain employment through a government contractor that I became aware of financial alerts on my security clearance investigation. Upon reviewing my Experian credit report, I discovered fraudulent information being reported as a result of the identity theft committed against me. I mailed my Experian credit report with fraudulent information circled requesting it be removed from my credit report since they were the result of identity theft. I requested Experian please provide an update with fraudulent information removed but no acknowledgement, communication or update was received from Experian. I have copies of all the documents I mailed to Experian via certified mailed which I will attach to this complaint. I provided Experian with the following documents to process my request : Federal Trade Commission Identity Theft Report, Identity Theft Police Report, Proof of Identity & Proof of Address : Copy of my Drivers License, Social Security Card and Utility Bill and a copy of an abbreviated Experian credit report with fraudulent items circled in red for deletion.
Consumer complaint received 2023-08-11
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)

One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.
Consumer complaint received 2023-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION (FL)

I'm going to explain my problem again in a simpler way. What is happening is that I have a report of a car purchased on XX/XX/XXXX, when I did not yet live in the United States. I obtained my visa to enter the USA on XX/XX/XXXX, and entered the country on XX/XX/XXXX. How is it possible that I have bought a car in the USA without living in the USA, this is my problem.
Consumer complaint received 2023-02-16
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. (MA)

I have sent out a dispute letter to 2 credit bureaus ( Transunion & XXXX ) to remove inquiries I never applied for on XX/XX/ and XXXX continue to have all of the fraud inquiries on my credit report and Transunion have removed some, but not all inaccurate inquiries on credit report.
Consumer complaint received 2023-08-18
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: LEXISNEXIS (AZ)

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. 

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 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 2021-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Had a heloc with Bank of America for several years ( XX/XX/XXXX - XX/XX/XXXX ) then I got it modified. While making the principal and interest payments the first two years everything was fine. Then in XX/XX/XXXX I started making extra principal only payments of {$300.00} and my regular payment of {$300.00}. I saw that they misappropriated the {$300.00} so I called them. After calling them they made corrections. Also another person said not to make extra payments on bill pay. So he walked me thru paying it using transfers and labeled it principal only. Again in XXXX - XXXX again my money was misappropriated. I called in a lady made corrections up to XXXX. She couldn't make corrections for XXXX - XXXX, where they made all interest payments. They said that because I satisfied the principal payment the rest was used to pay interest of {$360.00}. I've called them many times nothing happened. I opened to case reviews again nothing. XXXX XXXX at a BOA branch talked to them for about 2 hours again nothing. Therefore she filed a complaint. Still I have not heard anything. I called them 2-3 times after the complaint was written still nothing. So I went to another bank got a loan and paid BOA off in XX/XX/XXXX.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a checking account with HSBC USA on XX/XX/18, with a promotional mailer offer to deposit {$10000.00} in new money and maintain at least {$10000.00} for 90 calendar days. The offer was to receive {$400.00} for meeting these requirements. 

I fulfilled these requirements, but HSBC USA never honored the promotion. I contacted customer service several times, and was told they would get back to me, each time. But I never received any resolution, despite several inquiries. It is now more than 10 months later, and I have continuously maintained the account balance at {$10000.00} or more since opening the account.
Consumer complaint received 2023-02-16
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. (WA)

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 USC1618 Account name # XXXX XXXX - XXXX XXXX XXXX XXXX I, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 2023-02-16
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)

in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights.

15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that a consumer Reporting agency can not furnish a 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 7 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 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OH)

We have been trying since XX/XX/XXXX to get a proper mortgage release for the mortgage that was paid in full in XXXX of 2021. The mortgage was originally with XXXX XXXX XXXX XXXXXXXX XXXX as nominee, then assigned to XXXX XXXX XXXX as Trustee... XXXX XXXX XXXX. 

This mortgage was attempted to be released by XXXX  as nominee for XXXX XXXX XXXX and XXXXXXXX XXXX needs to release this pronto. 

This has been holding up financing for over 2  months, XXXX XXXX is blaming XXXX XXXX XXXX XXXX XXXX  who is not the record owner of this mortgage, NOR do they have a Power of Attorney filed for XXXX to sign for XXXX XXXX, in XXXX XXXX Ohio Records. 

The Satisfaction/Release of Mortgage must come from '' XXXX XXXX XXXX XXXX XXXX relating to Home Equity Mortgage XXXX XXXX XXXX, Home Equity Pass-Through Certificates, Series XXXX " We sent the recorded document chain when we sent the corrected release request. 

Attached is a copy of the recorded documents as well as numerous email attempts to obtain a correct release from XXXX XXXX XXXX  XXXX Department XXXX ; XXXX with no release sent.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

I am a customer at XXXX with account number XXXX, on which I added my ex-husband. He obtained a line in his name and provided his ID and SSN, but for some reason, he has taken the phone and denied paying his bill, so XXXX has reported me into collections to pay my ex-husband 's bill, which has now amounted to {$1300.00}. I am devasted and need your assistance, please. XXXX acknowledges they made a mistake because the accounts were separated after the divorce. please help