davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My identity has been stolen. I received a court document stating I owe {$3500.00} from Mid Land Credit Company. I have knowledge of how, when or where this account came from. I am not responsible for this debt.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2023-05-12
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.
Consumer complaint received 2021-09-28
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. (MD)

Equifax is Reporting on my credit report false and miss leading and Fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 I purchased furniture through XXXX in the amount of {$5000.00} with a guaranteed shipment date of XX/XX/2021. On XX/XX/2021 I received an email from XXXX requesting that I either approve or deny the option to cancel or approve a backorder as shipment was delayed. The new guaranteed shipment date was to be XX/XX/2021. I approved the backorder buy then decided 2 weeks later that I would prefer to shop locally for furniture since I had been sleeping on only a mattress waiting for the furniture for over a month. I called XXXX on XX/XX/2021 and they informed me that since I had approved the backorder that I would now be subject to a 15 % of the purchase price cancelation fee. At that point I decided to dispute the charge with Citi Bank, the issuer of the credit card used to pay for this transaction. As of today XX/XX/2021 the dispute had been closed in favor of the merchant, I still do not have any furniture and the XXXX website now states a guaranteed shipment date of XX/XX/2021, although I never approved it. I am exceedingly frustrated and have already filed a complaint with the XXXX XXXX XXXX. I've also purchased furniture from another retailer at this point.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

on XX/XX/20 I mailed off a validation of debt letter to Portfolio Recovery Associates. They have fail to send ANY proof of validation. They are currently reporting false information to multiple credit buraus. I also have phone records of them harassing me. One of the debt collectors from their company even hung up on me when I told her the alleged debt was not mine. They have violated several right given to me by the FDPCA and FCRA. 15 USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted law. 15 USC 1692g validation of debts. They hav failed to send me proof validating my debt in a 30 day period after notice. 15 USC 1692d Harassment and abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Protection Recovery not only harassed me several times a day with phone calls but the abuse continue with aggressive tone of voices and hanging up on me.15 USC 1692 ( d ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 15 USC 1692 ( e ) false and, misleading representation.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (NY)

On XX/XX/2021, I noticed a debt on my credit report being reported by Radius Global for a debt of {$100.00} in collections In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Radius Global Solutions. I did not authorize the sell of this account to Radius Global Solutions, I have not done any business at the address listed with this account nor do I owe Radius Global Solutions. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/2021, no response has been received from Radius Global Solutions.
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (AZ)

Fraud Email asking for Wire Transfer for Closing on XXXX XXXX XXXX XXXX XXXX, AZ XXXX Home. In the Process of closing on buying a home the title company sent me an email when i called the title company they said it was not them and it was a fraud Email account. I have reached out to the FBI, FTC, XXXX, and the banks. XXXX XXXX and XXXX XXXX. XXXX XXXX  has said they can't do anything unless reached out to XXXX XXXX and XXXX XXXX says it was approved on there end. I need help solving this issue. I really need this money back, I'm supposed to be closing on my house on Thursday. 


This was the email. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inbox XXXX XXXX XXXX XX/XX/2021, XXXX AM ( 4 days ago ) to me, XXXX Good Morning XXXX , Due to COVID-19, Your closing funds should be wired to our trust account today to avoid delay at closing, so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 


Thank you! 



Sincerely, XXXX XXXX XXXX Escrow Officer/Assistant Branch Manager Fidelity National Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX Fax XXXX XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. The hours spent- resolving this activity are traceable and recoverable. 

Because Equifax - exposed and shared my PII - data, this accuracy and its failures, are being reported - again. 

There have been greater than 5 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 

The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address. This has been disputed to Equifax- and on numerous occasions. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data - even though, there is a date stamp, and- they can see who sent what, and on what date. 

6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax. Access to my own credit data is prevented when it does not match 7. I have NOT caused an inquiry to EQ, with any data 8. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, 2021. 

11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXX Unit XXXX Summit NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!
Consumer complaint received 2023-12-01
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. (TX)

I am writing to express my utmost concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my account with Credit Bureaus. Despite numerous communications, the unauthorized transactions remain on my account, and the lack of swift action is causing significant distress. 

Discovered unauthorized transactions on my account statement. 
Immediately reported the fraudulent items to your customer service department, providing all necessary details. 

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. 

Followed up with customer service to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items persist on my account, causing additional stress and concern. 

This extended delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. 

I urgently request the following actions : Immediate and expedited investigation into the fraudulent transactions on my account. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items. 

Swift removal of the fraudulent items from my account and a confirmation of their removal. 

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed. 

Compensation for the inconvenience, stress, and potential risks associated with the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX, XXXX, Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX # XX/XX/XXXX.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a letter from XXXX Bank claiming that I applied for a LUXURY loan. I have no recollection of applying for this. XXXX needs to remove this inquiry from the Credit Report. I'm copying Transunion on this complaint. This is incredibly concerning.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give your credit reporting agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


The following information on my credit report needs to be removed : ADDRESS XXXXXXXX XXXX XXXXXXXX NJ XXXX IT DOES NOT MATCH MY NJ GOVT ID THERE ARE INQUIRIES LISTED ON MY REPORT I DID NOT AUTHORIZE XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX 

Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My brother contacted me regarding a voicemail he received on XXXX at XXXXXXXX XXXX. He forwarded it to me. After listening about 10 times to get the phone number I called to see what it was about. Couldn't understand the message or her when I called, but figured out she was trying to get money for a XXXX XXXX credit card, her name was XXXX XXXX and that I didn't remember having a credit Card from XXXX XXXX at the time we spoke. She threatened to Subpoena for a lien in my name. I hung up on her, because this has to be a scam. Before I could block her phone number, she called back and left a voicemail threatening me and saying I never contacted her. I then blocked that number. I then received a voicemail from the same woman on XXXX at XXXX XXXX  from a different phone number saying pretty much the same thing. All the voicemails are difficult to understand so I uploaded them. I didn't call back and blocked that phone number. I looked up both numbers on the XXXX and XXXX XXXX. Only found results on the XXXX XXXX. The XXXX area code was to a business called XXXX XXXX XXXX. There was no name associated to the XXXX area code. I found a Acknowledgement of Satisfaction of Judgement on XXXX that is proof I had paid for the credit card and filed XX/XX/2017. On XXXX my check # XXXX made out to the XXXX XXXX XXXX XXXX of XXXX XXXX for the amount of {$24.00} was cashed to remove the XXXX. This was on the HSBC Bank credit card that was for XXXX XXXX. I uploaded the Acknowledgement of Satisfaction, my carbon copy of the check, my bank statement and the letter sent to me from the Law Firm.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXXXXXX XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This inquires are not recognize ir authorized. XXXX XXXX reporting inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (TX)

I stayed at the XXXX XXXX in XXXX of 2021. I paid for my stay in full upon checkout. 
In XXXX of 2021 they debuted my account again for {$390.00}. When I reached out I was told that the batches from the dates of my stay didnt settle and they recharged everyone who stayed. They advised me to dispute with my bank. My dipute was denied XX/XX/2021. In XX/XX/2021, I was charged again. A representative of XXXX XXXX told me that the dispute was approved and should have repaid the provisional credit from my bank. When I was charged again in XXXX, {$390.00} was taken from my own money as the provisional credit only brought my account balance to {$0.00} and out of the negative. Today, Chime bank reversed the provisional credit and my account is now negative {$390.00}. Ive paid XXXX XXXX XXXX XXXX NOW. Chime will not block the merchant and XXXX will not stop charging me!!!!