davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-03-26
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: JPMORGAN CHASE & CO. (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a chase bank I had applied for 2 things. I did not do anything with anything with Chase Bank. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Consumer complaint received 2020-03-26
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. (FL)

I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (SC)

This company put several collections on my credit report and I was able to dispute them and have them removed however a few months later two more accounts pop up and I have not been to any hospital or doctors office in years and the last time I did was in 2010 and everything was under workers comp
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I received a notice that I do not have insurance on my home and threatened to have insurance bought for me. I have insurance and provided proof of insurance at the time of switching companies. Now I am responding to your letter a second time and nobody in the insurance department will answer the phone. After 25 minutes on hold you disconnect me. If you are unable to service my loan sell the servicing rights. Most incompent bank I've ever dealt with.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2020-03-26
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. (FL)

I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NH)

I have disputed the BANKRUPTCY account # XXXX with XXXX  on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. XXXX  continues to respond that the account is verified and the information is certified by LEXISNEXIS RISK  XXXX XXXX XXXX. 

The account numbers reported through XXXX  as XXXX do NOT match the account number being reported on LEXISNEXIS BANKO REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to LEXISNEXIS CONSUMER CENTER on XX/XX/2020 and XX/XX/XXXX ( as instructed by XXXX  on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. LEXISNEXIS continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, XXXX, can simply get the account verified by another consumer reporting agency, in this case, LEXISNEXIS, without any actual proof. 

I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that XXXX  is reporting is false and is also a violation of the FCRA. 

I sent a letter to the US BANKRUPTCY COURT in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Consumer complaint received 2022-12-28
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: ALLY FINANCIAL INC. (PA)

To Whom It May Concern : Ally Financial and XXXX XXXX XXXX has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts. 

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2020-04-04
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. (CA)

There was a XXXX XXXX account opened with my information on XX/XX/XXXX. I have never been with XXXX and had no knowledge of this account and my information being used. 
Upon discovery of said account through Experian on XX/XX/XXXX, I found as much as I could regarding this account ( which wasn't much, may I add ) and finally on XX/XX/XXXX I made a dispute to remove the collection from my credit with the claim that this was not my account. 
When the dispute was finalized, the only thing that changed was {$1.00} to what I owe ( from {$690.00} to {$690.00} ). I called XXXX to retrieve the account but because I did not have accurate information related to the account, I couldn't go any further. I explained to the rep that for whatever reason, my info was somehow used and now *I* owe and can not remove this debt from my credit score. 
This caused a deep frustration but I decided to ignore it. However, my credit score continued to decrease due to no payments being made to the collectors with XXXX. I made a second dispute on XX/XX/XXXX repeating that this was not my account, using a screenshot of payments I'd made to my actual wireless provider at the time the XXXX account was opened. The dispute results returned the same as before, " ther information was found accurate ; however, information unrelated to your dispute has been updated. '' No changes were made. 
As of XX/XX/XXXX, the account is now on a charge-off. I still owe but if I pay it may further negatively impact my score. XXXX can not assist me since I have no proof account is mine ( because it is not ) and Experian can not remove the information from my credit score. This account is fraudulent and there's nothing I can do to prove it. So, until this is settled, my score continues to decline. I refuse to pay for something I had nothing to do with.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

In mid XXXX, I got a letter in the mail that my card was shut with no explanation I tried calling but they wouldnt give me any answers. I have a great credit score and never missed any payments. Ive made this my go to card as I travel allot on XXXX XXXX and I dont think its fair they should just close my account.
Consumer complaint received 2020-03-26
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. (FL)

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-03-26
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. (FL)

SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

Good Evening, On XX/XX/XXXX, I entered into a loan modification with US Bank in order to stop foreclosure proceedings. My original loan was {$30000.00}, which was singed on XX/XX/XXXX. 

In XX/XX/XXXX, I called for a payoff and it stated that around {$78000.00} was due. 

I spoke with a representative on XX/XX/XXXX and she stated that all unpaid mortgage payments and interest that caused the loan to default are added into the fees due in the loan modification total. 

In the loan modification documents, I see that {$40000.00} was added for capitalization. 

I have sent two emails, which have remained unanswered, requesting an itemized breakdown of all fees-attorneys, back fees, capitalization, etc. 

When I signed the modification, I assumed the {$78000.00} would be the total due if I kept the loan out for 30 years. 

Is there anyway to look into this as possibly being predatory lending? 


Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I have 2 collection accounts with National Credit System, which was placed by XXXX XXXX. 
First account is for {$2500.00}, and the date of last payment was XX/XX/XXXX. However, they are claiming the date of last payment is XX/XX/XXXX. This is incorrect. Also, they are reporting that the date of first delinquency is XX/XX/XXXX, it should be XX/XX/XXXX. 
The second account is for {$500.00}, and they are saying I never paid it when I provided a ledger of all activity while I lived at XXXX. I had to pay {$500.00} for a sure deposit before I could move in, and it is on the ledger that I paid the {$500.00} on XX/XX/XXXX. I have submitted numerous disputes with XXXX, and I provided the ledger with all information w my disputes. 
XXXX  keeps coming back that they contacted National Credit Systems, and XXXX  will not remove the 2 collection accounts when I am providing them with the information of my ledger and all payment activity. XXXX   keeps saying that National Credit Systems is providing them with the information that the data they have is correct, and it isnt correct! XXXX   will not use the ledger I am providing to them, and they are going with what National Credit Systems says. 
I would like to file formal complaints against XXXX  for not using the ledger that shows the actual information, and I would like to file formal complaints against National Credit Systems for the 2 collection accounts that they are saying I owe with false date of first delinquency dates along with last payment made as false. 
Im providing the actual information, and XXXX  wont do anything to correct/delete the accounts from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-11-05
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. (WA)

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. 

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 XXXXXXXX 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 2020-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I am writing this due to non-compliance with the IC SYSTEM. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX - Submitted credit application with XXXX having forgotten about freeze on all three credit bureaus - Temporarily lifted freeze on XXXX and XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - Forgot password on Equifax on single try - called Equifax to temporarly lift freeze XX/XX/XXXX - XX/XX/XXXX - Confirmation number of this temporary freeze lift was XXXX - XXXX pulls Equifax credit report and issues loan pre-approval - First indication that American XXXX XXXX XXXX ( XXXX ) could not receive Equifax credit report XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to confirm temporary lift of freeze, initial agent identified freeze was lifted and mentioned a birthday issue she could not discuss - forwarded to fraud prevention who could not see initial temporary freeze lift XX/XX/XXXX - XX/XX/XXXX, conducted second temporary freeze lift online through myEquifax for XX/XX/XXXX - XX/XX/XXXX, agent was able to see the freeze and stated it would take an hour before it was able to be seen by creditors ; conducted credit report using my Equifax which came up completely blank, informed agent who was goint to put me in touch with Equifax XXXX prior to hanging up on me. 
- Called Equifax to continue with temporary lift of freeze, confirmed with agent that freeze was lifted, and received first notification of requirement to submit documentation of drivers license and social security card ; documentation and cover letter was sent via fax by XXXX EST. 

XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to discuss temporary lift of freeze and receipt of documentation ; agent confirmed problem with birthdate ; requested to speak with a supervisor and agent hung up on me after putting me on hold. 
- Called Equifax to discuss documentation and need for credit report for XXXX ; agent identified they would take XXXX - XXXX business days to process paperwork ; I questioned where this birth date issue was coming from and was told about fraudulent activity for the first time ; I asked why there was no contact by mail, phone, e-mail, text, etc with this issue until I am in the middle of a finance transaction from XX/XX/XXXX with no answer, asked to speak with a supervisor and was told it would not make a difference ; explained that I would discuss a complaint with the XXXX XXXX XXXX XXXX ( CFPB ) ; I was on hold over XXXX hours for a supervisor. 
- Called Equifax to speak with a supervisor and told twice there is no supervisor available.