davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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)

My ex-husband, XXXX XXXX XXXX, used my social security number to gain access to my account, changed my mailing addresses twice and sent duplicate AMEX platinum cards to his home address and business address without my consent or knowledge. I have attempted to file USPIS reports, police reports, FBI reports and contacted AMEX repeatedly to try and recover the cards he had mailed to himself in my name. the cards are still missing and presumably in his possession. 

I need assistance getting the police to act on this identity theft and if they can not help, the FBI should be involved as the police have told me to file FTC, FCC and IC3 reports about this matter, which I have done. 

He has used my personal information to change over multiple credit card and financial accounts and changed my billing and mailing addresses to addresses in his control as the only adult living there. I am unable to lock him out of my accounts as he is claiming he is my spouse and attacking my accounts online and over the phone.
Consumer complaint received 2022-06-03
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. (SC)

CFPB Complaint on complaint number XXXX Equifax is now in violation of 15 U.S. Code 1681c2 Pursuant 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-
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C (IN)

I was sued by Stenger and Stenger is XXXX for a debt to XXXX XXXX bank for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 
Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$510.00} XXXX/XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$510.00} XXXX/XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (MD)

I'm concerned about the interest rate being very high being that my credit score was over XXXX and I actually leased the car from XXXX and it looks like at the end of the current loan I will have paid Acura {$44000.00} dollars. Is this legal? 

Thank you XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (CA)

I applied for a home to rent, on XX/XX/XXXX, and the realtor agency made a " hard '' inquiry instead of a " soft '' inquiry. I never agreed/signed anything giving them permission to make a hard inquiry. this hard inquiry seems to have dropped my credit score by 182 points ... an extremely significant amount. i decided not to sign a lease with them. and since the extreme drop in my credit score has lowered my credibility, i am having difficulty applying for other homes. no owner wants to rent to me without a co-signer and/or raising the security deposit 3 to 4 times higher. i have called the realtor, the company they used to make the inquiry, and XXXX directly. No one seems to be able to remove this hard inquiry from my report. I'm hoping you can help. I have a XXXX due in XXXX and we could really use a bigger home right now. 

Here 's the realtor who initiated our rental application : XXXX XXXX XXXX XXXX XXXX, CA phone : XXXX They used : CONTEMPORARY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

For more than a year my XXXX XXXX XXXX XXXX Credit Card has been impossible to access online to make payments. I dont receive any billing notifications and when I went to customer service to set up my online access when there was an internal issue I was not helped at all. Comenity Bank runs XXXX XXXX credit cards and their online access has been a nightmare. I have a few credit cards through Comenity and very similar issues have occurred. I have had a handful of late fees because of the lack of online access and lack of billing statements being sent to me either through mail or email. Ive never made any late payments on any credit card until getting ones run by Comenity. Specifically XXXX XXXX XXXX XXXX. The online issues are still not fixed after more than a year.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (LA)

To whom it my concern : I extended my credit to ALLY BANK for a consumer credit transaction on XX/XX/XXXX. I the consumer and natural person, was denied credit by ALLY BANK when I applied for a XXXX XXXX XXXX. Tried reaching out to ALLY BANK regarding the denial even when stating the laws and the violations they stated that they couldnt discuss the discussion and that I would need to talk to the dealership. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by ALLY BANK due to the response I received. ( see attachments ) ALLY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ALLY BANK
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on my previous communication regarding the unverified negative items that persist on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate pieces of information remain on my record, significantly impacting my creditworthiness and consumer rights.
Consumer complaint received 2022-12-29
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: Mercedes Benz Financial Services (CA)

I have disputed these MERCEDES BENZ FINANCIAL and it has not been corrected. The following accounts are still reporting wrong on my credit report but it is already closed. These accounts have been closed however, the account payment status is 30 days late. The accounts payment status CAN NOT be 30 days late on accounts that has been closed. The account 's status is wrong and should be closed. Now, I want you to correct this misinformation on my file. MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$5100.00} XXXX/XXXX  XXXX {$2300.00} XXXX/XXXX  XXXX {$320.00} XXXX XXXX {$18000.00} XXXX/XXXX XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

UNIVERSITY XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$410.00} XXXX XXXX {$300.00} XXXX XXXX {$870.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I have made some purchases from XXXX XXXX XXXX this year and the owner has been canceling orders and pushing the shipping date back. Some of my orders are from XXXX. I still havent received my money back. Also owner of the company issued a refund to XXXX order to a XXXX card to her company which has no products to sell for months now. 
My bank said they can go back XXXX  days. Leaving me out {$180.00} for my orders combined which has been over XXXX  days. 
Please help.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Account name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX, Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX as well as the following inquires a. XXXX XXXX Under 15 U.S. Code 1681c-2 Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 

FEDERAL TRADE COMMISSION Identity theft report # XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (NY)

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately. 
I've sent letters stating this issue for about two months straight Experian have not answered my request XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

We've had a loan with this Mortgage company for a number of years. They have setup the homeowner 's insurance and rolled it into our payments. Due to research and consulting with other providers they are grossly overcharging us annually as well as monthly on homeowner 's insurance. We are paying {$5300.00} annually resulting in an additional amount monthly of $ XXXX/month. We've reached out to the lender and regarding refinancing to get our payments down and have only reduced the total amount by $ XXXX/month. This amount is unacceptable due to the balance owed on our mortgage.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (CA)

The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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)

My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!
Consumer complaint received 2022-06-03
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)

My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA informed me that temp credits would reverse. I contacted USAA representative on 2 separate occasions to express that not only did I not understand the decision but also that the notice was short and would cause financial hardship. I was told that this would not be the case and said credits would not reverse pending further investigation. They reversed and resulted in my needing outside funding for day to day expenses as I was traveling at the time without funds.