davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (MN)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-23
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. (NY)

XXXX XXXX XXXX is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and XXXX directly and have not reached a resolution. I sent a letter to XXXX XXXX requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How are the credit bureaus able to verify this account as accurate when XXXX hasn't verified this account with me? I am sure if I haven't received a response surely the credit bureaus have not heard anything back. This account was also deleted from my credit reports with XXXX but the other XXXX bureaus are reporting this account. If all bureaus receive their information from the same place how can they verify this account? It is illegal to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2023-02-18
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)

I been a victim of identity theft these are accounts they opened with my name and they do not belong to me please removed them : XXXX XXXX XXXX XXXX BALANCE {$410.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$3300.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Account number XXXX Date opened XX/XX/XXXX2018 2018
Consumer complaint received 2023-02-23
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. (MS)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OR)

XX/XX/2023 at XXXX I spoke with customer rep from sunrise credit service- XXXX XXXX XXXX in regards to a collection for {$14000.00} on my credit report that is not mine and is fraud. Someone has stole my Information and is using it. The sunrise credit service told me that a address from XXXX XXXXXXXX has used my information. Sunrise credit service Rep is sending fraud papers to me to fill out and send back for further investigation for fraud. I have disputed and froze all line of credit from XXXX, XXXX and XXXX. I'm getting a police report done today as well.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

Every month Destiny card report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Meaning everytime Destiny card report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.
Consumer complaint received 2023-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Iconic Mortgage Corp. (FL)

XXXX, 2023... Received a letter stating that we had an escrow balance of {$2500.00} and we needed to " take action '' " before any other changes '' Early XXXX I called and found out it was Iconic Mortgage and not XXXX XXXX who I had the mortgage with before they sold it to XXXX XXXX. The person on the phone said they wanted me to refinance and take advantage of my equity, but I refused and request my escrow be returned to me. Went through another round of the advantages of refinancing which I declined and said again just send me my money. The individual agreed. 

It's been almost 2 months with no check so I called again on XX/XX/XXXX and spoke to XXXX at Iconic. Now he said I could only access my escrowed funds if I refinanced my loan with them.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I had recently filed a complaint regarding the fraudulent card, but the dispute was denied for the following reasons, someone opened an account XX/XX/XXXX, with my " approved '' name, verified address, telephone number, email address and other personal information. After I explained the person who did my taxes had not only stolen my identity but others she had done taxes for as well. In other words, she had all of our information listed above and more personal information such as social security number and bank account information to have my money deposited into. As I mentioned before, this went into an account I hardly use. The purpose was to have my tax money there for a total of 5 years to help with my down payment of home. In which I discussed this with her as well. So it was pointless to check this account. I knew the amount of my taxes that would go into the account. And that was the only thing going into that account, which was only tax money. Then you think, why didn't you all press charges. Well once we all figured out what was going on, that person who did our taxes was moving from state to state. She would go from atlanta, to virgina, back to different cities in North Carolina. And in order to press charges you would have to find the person first. But I guess people do not believe these things happen.I even attached the documents from the IRS regarding identity theft, and how this person continued to file taxes using my personal information. Leaving me stuck to pay penalties etc. So I am stuck with paying off the balance. In which I sucked it up and started to pay, because I have no other choice unless I want my credit to be ruined. So now I am making these payments, but the balance is steady increasing due to interest. One day my balance is {$2100.00} then the next is XXXX, and I'll make a payment and then the balance grows some more so it looks as if I have not paid anything. It's ridiculous. Then it states on XX/XX/2017 I called and verified items that were mine and were not mine. If this person had ALL of my information. Guess what she was the one who verified, not me. This person even went and had a XXXX XXXX place account in my name all the way in Georgia. A whole different state. In which I caught the upmost trouble trying to resolve. Why because she made two months worth of payments using a credit card and later discovered the card was canceled. Why? Because it was stolen. This has been on frustrating experience with XXXX. First making them aware I was not the card purchaser, second sending them all the information regarding the identity theft, third being stuck paying the balance, and now the interest feeling as if I am getting anywhere due to this high interest. It's impossible for the balance to decrease even though I am making payments because I have to.I never even physically received this card. I only know the account number from the previous complaint and calling in complaining.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have. 

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous. 

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-23
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: Upgrade, Inc. (GA)

The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. XXXX XXXX XXXX XXXX - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

On XX/XX/2023 I tried to use my card to pay for a study permit application. I was sent a verification code to my text, which I put in, and my card was flagged for 'early fraud prevention '. I had to call a number. 

I called the fraud number, gave them my cell phone and 'code word " to verify me, but they said that 'verification methods have changed ' ( I was not notified as a customer that I needed to create any other verification methods ). 

Citi said that they had to have a second phone number associated with the account to verify. Like most people in 2023, I only have a cell phone. They kept asking if I had a landline, which like most people, I haven't in decades. Even though they were talking to me now, on this cell phone number, I was going to have to call them from some landline to talk to them instead. 

When I didn't have that, they actually wanted me to have someone with my last name call from their phone number to talk to my bank for me and verify that I am me. This doesn't make any sense whatsoever. It seems like it would be EASIER for someone to commit fraud this way- they'd simply have to call from a random number and claim they were related to you! Since it was the middle of the night, I couldn't just call up some relative and tell them they had to talk to my bank for me, go through the holding music and everything. 

The only other option was to have Citi mail me a letter that would take 5-10 business days to reach me. I told them I was going out town and needed to use my card, but they didn't care. 

Now my account can't be used at all because of this 'early fraud prevention ' which was me, using my own card. I have to wait 5-10 business days in hopes a letter makes it to me through the mail to get a reference number from that letter and call them- on the phone they refused to verify- to unlock my account. 

If this was a true emergency, I would have been screwed. It's scary to think now that any time I need to use my credit card, I can't just have a code texted to me, either a relative 's going to have to call in from another number for me or I have to wait for a letter. 

This method makes XXXX sense. This shouldn't be how banking is in the 21st century. 

I want my card unlocked so that I can transfer my card to another bank and be done with Citibank.
Consumer complaint received 2018-10-02
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: HYUNDAI CAPITAL AMERICA (IL)

XXXX XXXX ran my report which gave permission for the following to run my report ... 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted these places and they will not delete them because XXXX XXXX MADE THE AUTHORIZATION.. 

The problem is that I did not authorize ANYONE to do this. My ex girlfriend did it without my PERMISSION!!! My credit has been effected negatively and need this to be removed ASAP. I tried writing letters ... They all came back saying that they couldnt delete it ...
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Hi Ive been a XXXX bank customer for about a year now with a XXXX  credit card. I currently have a payment due of {$100.00} since I had missed a months payment. Today ALONE I have received 3 phone calls and I am in XXXX so its only XXXX XXXX!!!! They call from a bunch of different phone numbers and the past few days theyve been calling from an unknown number and they refuse to tell me who they are until I confirm that I am who I say I am which Im not comfortable giving my info over the phone until I know who Im speaking to. Theyve called me two days before my payment is even due to remind me. I feel like Im dealing with the mob. My credit card is not in collections so to be HARRASSED from XXXX until XXXX XXXX   over {$100.00} is absolutely obscene. Yesterday was 8 phone calls and Majority of the time the person on the phone is nasty and Im at the point where Im going to cancel the card so I dont have to deal with the harassment anymore. Its affecting my quality of life being tortured by a credit card company. My limit is {$500.00} so I can only imagine how they harass people who have much higher limits.