davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
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 student loan is not mine, with us dept of education, i have never went to school here and let alone getting a student loans, please equifax is reporting this inaccurate account under my name, and they are not helping me to have this removed i will be attaching my documents, please help me to have this inaccurate reported from my credit file. 
appreciate
Consumer complaint received 2020-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizen One has been harrassing me for a month now. I want them to send me a 30 day payoff which they haven't. I have been on the phone for 3 hours and they didn't answer. I tried to get on their website and they kept telling me the wrong password so I changed it 3 times then they said my user name was wrong. This has been gone on for months. Then I tried to email them and couldn't I t didn't go through. I made a payment of {$720.00} in XXXX then another payment in XXXX for {$660.00} I just got a bill for {$2100.00} They said I was past due. They are wrong Fraud is what they are doing.In 2015, they said I didn't make a payment. That was Citizens Bank. I had to pay their lawyer {$1000.00} to their lawyer or they were going to take my house.I am a senior citizen and I don't need this harrassment.Please help me. I have read other customer reviews and they also told me to get out of this bank. Please help me. I want other people to see this and to see their reviews. Thanks XXXX XXXX
Consumer complaint received 2022-05-05
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-09
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: GOLDMAN SACHS BANK USA (CA)

In accordance with the Fair Credit Reporting Act my rights have been violated : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-08
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 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 XXXX {$1100.00} XXXXXXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX   XXXX {$1200.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX {$100.00} XXXX  XXXX {$590.00} XXXXXXXX   XXXX {$1200.00}
Consumer complaint received 2020-04-08
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)

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXXXXXXXXXX  XXXX {$1700.00}
Consumer complaint received 2020-04-08
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)

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00}
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

On XX/XX/2020 I sent a certified letter to BNY Mellon regarding my mortgage that served as a Qualified Written Request under Section 6 of RESPA. They confirmed receipt both verbally and I have the certified, return receipt post card dated XX/XX/2020. They have yet to respond to me in writing on my request. I will attach all of the documentation but they are not allocating my payments timely, sometimes 60 days after cashing my funds, continuing to provide incorrect statements, and not allocating all of my payments to my account. This is inflating my balance.
Consumer complaint received 2022-05-05
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. (TX)

Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (NJ)

Over the course of about 2 1/2-3 weeks in XXXX, I received constant repetitive calls from Procollect Collections Agency. I have had to block the number from my phone as a means to stop constant calling due to the interference of these calls in my personal and academic life ( I am a student and was receiving these calls at different periods throughout the day ). These calls are repetitive, annoying, and I am being harassed by the employees of Procollect. Additionally, I never received any kind of mail/validation of debt from Procollect and was not made aware of my right to dispute.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I'm a Military XXXX XXXX. I opened a BestBuy/ CitiBank credit account on XX/XX/XXXX and closed in XX/XX/XXXX. From XXXX to XXXX, I was stationed XXXX on XXXX XXXX ( XXXX ). In XXXX I was informed there was a collection account on my credit report in connection to CitiBank for XXXX XXXX This was surprising because my account had been current, and actually had a + credit of XXXX $ when I requested that it be closed in XX/XX/XXXX. CitiBank has been unprofessional and deliberately uncooperative so far in my attempts to resolve the issue. I have provided my bank statement showing the fully paid account. I have also provided documents that prove that the error was caused by internal accounting, as noted on the bank statement, [ sic ] " Miss-applied payment ''. After promising to investigate the issue, CitiBank has been unresponsive for over 2 months. To make matters worse the account was sent to collections as recent as XX/XX/XXXX. There has never been any purchase with the credit card account in question since XXXX. How does an account that has been inactive for over 3 years, that also had a +100 ( when it was closed in XXXX ), end up being sent to Collections? Furthermore, CitiBank never contacted me by email or phone to notify me about delinquency. They have also failed to validate their claim ( purchase/transaction that created the debt ) despite numerous requests.
Consumer complaint received 2020-04-08
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 {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$17000.00}
Consumer complaint received 2020-04-08
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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

I am writing this letter to express my absolute dismay and frustration upon discovering inaccurate and damaging information on my credit report. It has come to my attention that there is a charge-off account listed, as well as potentially fraudulent accounts, negatively impacting my credit score. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Failure to address this matter with the urgency it demands will leave me with no option but to seek legal recourse to protect my rights and rectify the damage caused by these inaccuracies. 

I have enclosed supporting documentation, including proof of payments and any relevant correspondence, to assist in your investigation. I trust that you will handle this matter with the seriousness it deserves and act promptly to correct these errors. 

I demand that you treat this dispute with the utmost urgency and prioritize its resolution. Your immediate attention to this matter is not only legally required but crucial to restoring the accuracy of my credit report.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports.  The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX # - XXXX XX/XX/XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXXXXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXXL ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXXXXXX XXXX ACCT # - xxxxxxxxxxxx XX/XX/XXXX XXXX XXXX ACCT # - xxxxxxxx XX/XX/XXXX XXXX XXXX  ACCT # - xxxxxxxx.
Consumer complaint received 2022-05-05
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. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXX XXXX and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX 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 2020-04-08
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-02-22
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. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX. XXXX ASSOCIATES XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Unsworn declarations under penalty of perjury
Consumer complaint received 2020-04-08
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (PA)

I believe this company has violated my rights according to the FCRA and FDCPA. I found them on my credit during my bankruptcy proceedings, so I asked them to please validate their information. they have never, ever sent me anything in the mail. I found through research that they had to notify me before reporting, which they never did. They had to validate the information to the consumer if requested, so I sent them a dispute letter. When they didn't reply to the first dispute, I sent them a second dispute, and they still haven't replied. I'm wondering if Congress Collect actually exists, or is only a fake company that reports to peoples credit to defame their character. Please help me.
Consumer complaint received 2020-04-08
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. (NE)

Merchant : XXXX XXXX XXXX XXXX  CA {$190.00} on XX/XX/ I have disputed this transaction, recently, Citi bank sent me an email said that they have completed this dispute, because of " We did not receive proof that you did not receive the merchandise. '' It ' s not the consumer 's duty to prove I did not receive the merchandise. It's the merchant 's duty to prove that they have sent me the merchandise. This dispute should be reverse onus. It needs to shifts the burden of proof. 
I never received anything and didn't see any shipping update from the merchant for 3 months.