davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX 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 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 2022-01-31
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. (NC)

After sending the FTC report of identity theft in XXXX and XX/XX/2021 XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2021 threatening to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They committed identity theft by not getting consent to furnish negative items to my consumer report.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with XXXX.
Consumer complaint received 2019-12-30
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: Source Receivables Management LLC (NJ)

The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with XXXX.
Consumer complaint received 2019-12-30
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. (MN)

Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, Experian and XXXX  credit report are unauthorized, fraudulent and not my accounts : 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 and XXXX XXXX.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

Had money sent to a person I do not know on my bluebird card by american express on XX/XX/2019. It was two separate transactions one  was {$600.00} and the other was for {$390.00}. Once I discovered these transactions I called bluebirds number on XX/XX/2019 was told fraud department was closed and to call back on XX/XX/19. Called bluebird fraud department on XX/XX/2019 reported money taken out of my account that I did not authorize. Was informed that an investigation would take 45 days and that I most likely will not get my money back, even though bluebird by america express advertises fraud protection they dont protect you from it.
Consumer complaint received 2019-12-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my account.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Since XXXX, I have been a victim of identify theft. I responded by adding freezes and fraud alerts with all 3 credit bureaus. In the process of communicating with Experian, I realized that someone representing me has created an account with their email linked to my name and SSN on Experian. What this means is that any time I add a freeze that person has the power to undo this. 

I have called every number I can find for Experian during business hours and have not been able to reach a person. The automated phone system does not respond to my request to speak to someone about this matter and will only let me use their automated system to add or remove a credit freeze. They explicitly tell me they can not connect me with a representative. 

I am left without any option. I know that my credit freeze has already been lifted once, resulting in a fraudulent credit pull with XXXX Bank for a XXXX XXXX Credit Card. I know this because I froze my credit with Experian on XX/XX/XXXX. I called several times to confirm the credit freeze was in place, which the automated system verified. But then a credit pull was made on XX/XX/XXXX and I called Experian today and the freeze was not in place. 


The attachment is a screenshot from experian website revealing part of the email address that is connected with my account. I do not know or have access to that email address.
Consumer complaint received 2022-01-31
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. (NC)

After sending the FTC report of identity theft in XXXX and XX/XX/2021 XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2021 threatening to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They committed identity theft by not getting consent to furnish negative items to my consumer report.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I secured a mortgage for a rental property that is titled in the name of an XXXX. The mortgage is in my name and the name of the XXXX. The mortgage was recently sold. The XXXX name was dropped in the process and the servicer contacted me to say that the insurance policies on the house where not in my name. I called them and explained that was because they property was titled in the name of the XXXX, and the XXXX apparently name got dropped from the mortgage during the transfer and we needed to get it added back. They put me on hold and never got back to me. Later they day, they contacted my insurance agent and requested the change the name on my policies from the XXXX to me personally. The insurance agent contacted me. Rather than fix the issue with the servicing transfer, without my permission they called my insurance agent to change the name on my policies.-
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC (NC)

i faxed information to this coimpany as well this account is a result of identity theft and is still being reported and collected on ... acct # begining with XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I sent a certified letter asking the Credit bureau to do a thorough verification on my credit report and they did & they stated everything was accurate after. I actually performed my own research after and the information in still is inaccurate. 


XXXXXXXX XXXX # XXXX Account # : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated, XXXX XXXX  XXXX my rights 1518 A 1881 saction 602 A. States I have the nant to pnvacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructons
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have requested a dispute to be opened regarding an account that I am not familiar with ( XXXX XXXX XXXX XXXX Credit bureaus did not respond with the name and contact individual they with as the data finisher according to my letter requestion correction. I did not receive the verifiable proof used under FCRA 15 U.S.C. Sec 1681 ( I ) ( 7 ), ( 6 ) ( b ) ( iii ). Under sec 609, provide the Original Court Documentation, with signature, that must have on file before reporting. I requested this to be done because they are causing me harm financially and preventing me from progressing in my endeavors.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have requested a dispute to be opened regarding an account that I am not familiar with ( XXXX XXXX XXXX XXXX Credit bureaus did not respond with the name and contact individual they with as the data finisher according to my letter requestion correction. I did not receive the verifiable proof used under FCRA 15 U.S.C. Sec 1681 ( I ) ( 7 ), ( 6 ) ( b ) ( iii ). Under sec 609, provide the Original Court Documentation, with signature, that must have on file before reporting. I requested this to be done because they are causing me harm financially and preventing me from progressing in my endeavors.
Consumer complaint received 2022-01-31
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: Rocket Mortgage, LLC (NY)

I spoke to XXXX XXXX, a Mortgage Banker with Rocket Mortgage NMLS # XXXX a couple weeks ago asking about the products they offer. 

He started asking for personal identifying information at which point I stopped him and explained I was not applying for anything. I just wanted to know if a certain type of mortgage product existed ( a home improvement loan above 80 % XXXX ). He responded that he understood and we were just collecting information to answer the questions. At no time did he mention running a credit check ( because I would have said NO ). 

After speaking with him and determining the product I was interested in was not offered by them I ended the call and received a notification from XXXX XXXX that someone had checked my credit. 

I called and complained because they ran my credit without my permission. I spoke to : XXXX XXXX Associate Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX She had to research and got back to me a week later stating that the banker asked my permission and I consented. I said I did NOT and she asked me what did you think your social security number and date of birth were for? She was very condescending and unprofessional which I imagine comes in handy when you have to lie to customers what actually took place in a converstation. 

I provided that info because it was specifically asked for ( which is what prompted me to Pause the conversation and clearly state I was NOT applying for anything ) I went out of my way to clarify I was only asking a product question and they ran my credit without permission. 

I have an excellent credit rating so it should be clear I dont wander around allowing banks to run my credit. 

This is plain and simple dishonesty and a breach of ethics while handling my personally identifiable information. 

See attached files. This inquiry no doubt knocked my rating from Excellent down to good. This can not be tolerated for such a mainstream company like Rocket Mortgage.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (VT)

Credit Acceptance corporation Was very deceitful in the agents portrayal of deferring of auto payments saying that the deferred payments would be added to the End of the loan and extension of the payoff dates. 

Soon after the deferring of auto loans ( 2 ) that I have they demanded the entire deferred balance ( nearly 6 months for 2 cars approx XXXX $ ) in addition to the standard monthly payments! 
That's NOT a deferral that's simply deceitful and literally lying. 
So when continuing payments they have for nearly 3 years considered my payments behind 6 months on my credit report. 
Also Credit Acceptance Corporations debt and calling the customers collection program is absolutely non stop. I get collection calls BEFORE XXXX XXXX AND AFTER XXXX XXXX often and holidays and weekends some weeks I have received nearly XXXX calls! More than several per day. 
Please take some action against this company!
Consumer complaint received 2022-01-31
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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I did a modification in the year of 2015 they are claiming that I owe over {$400000.00} on my home I did not take any money out of my home Ive never owned that much money on my home I need help Ive talk to an attorney they sent over a letter I have not got any response from Carrington they keep sending me the same paperwork over and over again stating that it is valid I dont see it in the paperwork I dont understand it I never pulled any money out of my home so that being said I dont believe I owe this. They added principal twice on my loan which does not make any sense to me please help
Consumer complaint received 2022-09-02
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. (GA)

I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. Commentiy Bank stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigationXXXX XXXX XXXX  only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as XXXXXXXX XXXX It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. Comenity has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an XXXX XXXX waiting for a new XXXX. Please help me in fixing this.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Prosper Marketplace, Inc. (CA)

Chronological history of my encounters with XXXX XXXX XXXX  which operates the following business located at : Prosper Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Prosper Marketplace, XXXX NMLS # XXXX On XXXX, I received an alert from XXXX XXXX a credit monitoring agency, that a new inquiry has appeared on my credit report that contained my identity information including my residential address. The inquiry was generated by XXXX XXXX Prosper with this phone number XXXX On XXXX, I contacted Prosper by phone and spoke with XXXX. I informed him that I have never applied for any credit or requested any funding from Prosper. He told me that yes, indeed, an account was opened using my name, my birthdate, and my address. During the conversation I was asked to provide my contact phone number and e-mail address. I was also told that they will forward this info to their Fraud Team and I will hear from them within 24-48 hours. They provided me with this confirmation number XXXX. 

Subsequent to that I spoke with a number of different individuals, XXXX, XXXX, and others, at Prosper, over several days but did not receive any appropriate response or resolution as to the status of my complaint or inquiry. At one point, I was told that the account application is NOT moving further on their end as it was possibly an incomplete application. 

To my total surprise, on XXXX, within 10 days of my first contacting them, I received a credit card from Prosper LLC. It is a XXXX from Prosper, an unsecured credit card issued by XXXX XXXX XXXX, member, FDIC. It also included instructions as to how to activate it. 

This is ENTIRELY fraudulent. The company has completely failed to act in good faith and to resolve this in a timely manner after being notified. I also strongly suspect that the company, Prosper LLC and XXXX XXXX XXXX, may be involved in opening such Fraudulent Accounts without any legitimate applications for credit from their potential clients.
Consumer complaint received 2022-01-31
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. (MI)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Reference number : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX XXXX {$92.00}
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I've requested that Portfolio Recovery Services please have XXXX XXXX verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to address a serious privacy issue that has arisen in relation to my consumer information. On [ XX/XX/year> ], I received a response from TransUnion regarding a dispute I had filed. However, upon reviewing the response, I discovered that it contained untruthful information and FALSE STATEMENTS about having a TRANSUNION ACCOUNT. 

The crux of the matter lies in the unauthorized access to my non-public personal financial information by a third-party entity, XXXX. Approximately a year and a half ago, I created a credit monitoring account with XXXX, which is a non-affiliated third party to TransUnion. However, despite this non-affiliation, TransUnion provided XXXX with access to my sensitive financial and Personal data through your platform for marketing purposes. 

This action represents a clear violation of the Gramm-Leach-Bliley Act ( GLBA ) and the principles of Non-Public Information ( NPI ). The unauthorized disclosure of my financial information to a third-party entity without my explicit consent is not only unethical but also illegal under consumer and federal law. 

I demand immediate action to rectify this violation of my privacy rights. I request that TransUnion cease any further unauthorized disclosures of my personal and financial information without consent and to third-party entities without without consent provide me with a written explanation of how this breach occurred. Additionally, I expect TransUnion to take appropriate measures to prevent similar incidents from happening in the future.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off my credit report.