davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (TN)

The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXX Balance : : {$190.00} Account # XXXX
Consumer complaint received 2022-05-21
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 — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc. (IL)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Company : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Portfolio Services, LLC (TX)

XXXX XXXX XX/XX/2022 amount owed was paid. However, the company reported that i was still delinquent on the account. This is a false report and its affecting my credit score and my means of living.
Consumer complaint received 2022-05-21
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. (TN)

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.
Consumer complaint received 2019-07-04
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. (OH)

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX . I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Consumer complaint received 2019-07-04
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. (OH)

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Consumer complaint received 2022-05-21
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. (TN)

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld-XXXX XXXXXXXX XX/XX/2022 amount owed was paid. However, the company reported that i was still delinquent on the account. This is a false report and its affecting my credit score and my means of living.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The car was total lost in a car accident in XX/XX/2016. The insurance should have covered all loses. The company is still reporting that the account is open and payments are late/missing for the past XXXX years.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.
Consumer complaint received 2022-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

In XXXX I applied and received a HELOC loan from PNC Mortgage. In XXXX I was forced to file XXXX XXXX XXXX due to the loss of my company after the market crash in XXXX. This 2nd lien was included in that Bankruptcy filing. It was my understanding that PNC could no longer collect on the loan and PNC did not contact me post-bankruptcy by mail or phone since the bankruptcy until now. I did maintain my first mortgage and continued to make payments post-bankruptcy. I was even able to modify the mortgage in XXXX without knowing the lien from PNC still existed on my home. Which as I understand now means that they approved my mortgage company to maintain 1st lien position ahead of them on the title. Still I did not hear from them. Now I am trying to sell my home for what I believe to be the only debt and their lien surfaced at my closing as needing to be paid in full. The balance of the lien is the entire amount of equity I have in my property which I was relying on to move. I am now at risk of having now money if I pay them off or being sued by the purchaser of my home if the sale does not go through. If I pay them, I will be homeless as I cant afford another home without the sale proceeds. While I understand that under the XXXX filing they were not required to release their lien, I have consulted with other industry mortgage servicers and understand in XXXX the CFPB required servicers to send monthly statements to borrowers in this exact situation so they were NOT surprised like I was with a debt that I thought was gone. If they had done that and followed the regulatory requirements, I would not be faced with homelessness at this time. I would have been able to make other financial decisions. How can they not follow servicing rules and require me to pay them all this money that I didnt know I owed from over 12 years ago? It did not appear on my credit, I received no mail or calls. Ive suffered great emotional and actual financial harm in the last few weeks while they have not resolved this situation or relented on the funds due. Is this happening to other borrowers too? Only now, since Ive attempted to get this cleared are they sending me mail about loss mitigation assistance options. 
Also, as of today XX/XX/XXXX I was told by the attorney that the buyers want me out by XX/XX/XXXX so they can take ownership. I am in need of an answer quickly and don't know what to do. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-21
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: Bread Financial Holdings, Inc. (PA)

In accordance with the fair credit reporting act XXXX account # XXXX, had violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXXXXXX XXXX is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called XXXX XXXX and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information XXXX XXXX are throwing on my credit report.
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc. (OR)

I am paying monthly automatic payments. i needed to lower the payment amount and did so but they told me it is not enough and threatened to follow through with the law suit if i didnt raise the payment amount in XXXX. I was under the impression that as long as i was paying for it they could not dictate the payment amount or threaten me if i didnt pay the amount they want. It felt terrible and after thinking it over the last couple of months i decided to file the complaint that professional credit made me feel like absolute garbage and that my financial well being is in danger having to pay more to this agency. 

I did not realize the payment had been declined and stopped so i reached out to them to start payments at a lower rate than i was paying before. the woman i talked to said what i was offering to pay ( which is all i can afford and still feed my kids ) is not enough and i will have to raise it in XXXX
Consumer complaint received 2022-05-21
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. (TX)

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX ( Original Creditor ) XXXX XXXX ) 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$270.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

The account says opened XX/XX/2022. The account also states Past Due Amount {$270.00}. ( This is a collection account with a Past Due Balance.This is inaccurate reporting and are in violation with FCRA laws and guidelines. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METRO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED. 



*Also please note that this account was previously deleted from my credit file and reinserted by a different collection agency.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (NV)

THIS COMPANY " MIDLAND CREDIT MANAGEMENT '' HAS BROKEN SOOOO MANY FEDERAL LAWS! MIDLAND CREDIT MANAGEMENT HAS BEEN HARASSING ME AND THREATENING ME WITH LEGAL ACTION AND I DON'T HAVE A CONTRACT WITH THIS COMPANY. I HAVE MADE SEVERAL ATTEMPTS REQUESTING " PROPER DEBT VALIDATION '' ( UNDER FEDERAL LAW ) AND A CONTRACT SIGNED BETWEEN MYSELF AND THEIR COMPANY AND THEY BASICALLY REFUSED TO SEND ME ANY VALIDATION WITH MY NAME " AND '' THEIR NAME.
Consumer complaint received 2022-05-21
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. (CA)

It's my belief that XXXXXXXX XXXX has taken discriminatory actions against me. The company fails to abide by federal regulations. Company is in direct violation of 15 U.S.Code 1681a ( 2 ) ( i ) which clearly states item to be excluded from a consumer report ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; shall be excluded. The definition of excluded means remove from consideration. XXXX XXXX has taken adverse discriminatory actions against me and has failed to perform a FAIR and accurate investigative consumer report as defined under the rules of construction 15 U.S.C 1681a ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. XXXX XXXX has no prior written permission nore any lawful authority having means of my nonpublic private personal information. Fraudulent acts having the use of my non public private personal information and furnishing collections on my consumer report as a way to coercing a payment a direct violation of 18 U.S.C 1028a Identity Theft! Company is also in violation of a Ceist and Desist order, terminating communication through all mediums directly or indirectly. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.
Consumer complaint received 2022-05-21
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-05-21
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

To whom it may concern : On XX/XX/XXXX, XXXX, I received a letter from Bluebird stating that I requested my account to be closed and was issued a check for the balance of my account. However, I did not request that my account be closed. My account was closed after filing valid disputes. 

I contacted Bluebird by phone and was told my account is locked and suspended. I was told if I wanted to know the reason why my account was closed, locked, and suspended to write a letter. As of today, no one has responded to my letter. 

In Addittion, I had active disputes open with XXXX for merchant XXXX who is attempting to issue me a full credit but must do so through Bluebird. 
I also need to confirm that merchant XXXX XXXX provided a credit in XX/XX/2021. 
XXXX XXXX has informed me they have returned the monies to my account and I believe Bluebird has issued a check for this. 

Please investigate and determine why my account was closed when I have not violated my member services agreement. 
Thank you for your time.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I contacted TransUnion about the following inquiries ; XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX  Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX XXXX XXXX Inquiry on XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-10-27
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: FORD MOTOR CREDIT CO. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : FORD MOTOR CREDIT COMP XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, 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.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

Venmo closed my account and locked me out, they did not provide any warning or explanation, and they continue to refuse to provide explanation when I inquire. That's all well and good, but I have {$950.00} dollars or so in there and they are refusing to release my funds back to me. I also have a venmo credit card that will automatically deposit my rewards points into my venmo account, however when i call or email to get my funds released or transferred to me, they refuse to do it and refuse to provide a reason why. They are simply holding my money hostage and refusing to release it.
Consumer complaint received 2022-05-21
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, 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.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (GA)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CITI Account # : XXXX