davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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. (LA)

These inquires that are on my credit report are due to identity theft and are not initiated by me. 

XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2020-03-25
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. (TN)

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX   XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX/XXXX  XXXX XXXX Unauthorized and demand strict proof. XXXX/XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently started to look into my credit back in XXXX, and saw a lot of inaccurate information being reported to all three credit bureaus for two separate accounts, I requested for items to be deleted due to the FCRA laws, the two accounts came back verified, but without any proof? At this point with all these inaccuracies I just want the accounts removed from my credit I am willing to to settle both these accounts for them to be deleted off my reports since they are negatively effecting me more than they should.
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (MD)

I received a letter in the mail from an attorney 's office in an attempt to collect on a debt owed to XXXX XXXX. I sent the attorney 's office a letter requesting debt validation. The attorney sent back a letter stating that they were no longer going to collect on the debt and would send it back to the original creditor. A few weeks later I received a letter from a debt collector ( State Collection ) attempting to collect on that same debt. I again sent them a debt validation letter ( XX/XX/20 and XXXX ) via certified mail. I have also sent letters to the credit bureaus and haven't received the requested information from the collection agency or the credit bureaus. I reached out to XXXX to obtain information about the bill and they directed me to State Collection Agency. I have no knowledge of this bill and it is listed on my credit report causing my score to drop drastically. I would like it to removed ASAP.
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (KY)

I have two debts that appear on my credit reports from credit collection svcs one for XXXX for XXXX XXXX and another for XXXX from XXXX. I have sent the company over and over my court paperwork and police report which clearly state these are not mine and I am a victim of identity theft. They instead sent back false paperwork with my wrong name and address that was dated 3 years after the debt took place. They are intentionally trying to collect an illegal debt and ruing my credit history.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

Hello, I am currently on hold now for close to an hour with the U.S. Bank Reliacard company that my Covid-19 unemployment compensation has provided. On Tuesday XX/XX/XXXX I purchased groceries online for pick up, first time ever doing so, through my local XXXX, who utilizes I believe XXXX XXXX  and the grocery bill was for {$170.00}, however, I was charged {$190.00} from my Reliacard? That is roughly {$17.00} charged from my account. My unemployment compensation is not that much and have a household to run. 10 % fee is an absurd amount to charge, any fee is unacceptable, especially at these unprecedented times and times that we are asked, no required, to maintain distance from population as much as possible. ( Still on hold by the way, so over an hour ) I should hope this request does not go unheard. 
Thank you for your time.
Consumer complaint received 2020-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX my sister called to inform me that she was contacted by a debt collector on my behalf. After calling the number provided i was informed by a woman named XXXX XXXX that i was to be sued for a negligent account from wells fargo from XXXX. If i were to pay now, a sum of {$1300.00} over payments of {$200.00} a month, i could settle the case and not be prosecuted legally. I signed a form they submitted me via docusign. 

I agreed to sign the paper. I now suspect i was lied to. I submitted the document with my signature and provided my debit card information to be charged monthly until the debt is resolved. I have so far paid {$250.00} to this " debt collector '' but now suspect i am being scammed. After doing some research into the company, i am now confident in making this report and identifying these collectors as criminals. The letter head of the document reads : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ca XXXX XXXX I will be calling this " XXXX XXXX '' at XXXX XXXX XXXX  XXXX to inform them of my filed complaint.
Consumer complaint received 2022-12-28
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. (AL)

I put in a dispute with Experian that something was incorrect on my credit report that it should be deleted because it is incorrect I showed proof to them that what they are reporting is incorrect They have a loan from me from XXXX XXXX listed as a XXXX  loan and XXXX XXXX  does not offer XXXX  loans
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA DOES NOT CORRECT ACCOUNTING ERRORS. See attatched XX/XX/2019 STATEMENT showing NEW PURCHASES Summary Account Activity ** ERROR ( {$2.00}, XXXX ) AND SHOWING TOTAL TRANSACTIONS * ONLY ( {$2200.00} )
Consumer complaint received 2020-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (NY)

Company is Simmons Agency. I had a visit to XXXX XXXX XXXX during a time when inhad no insurance. I paid my XXXX Then i was billed XXXX. They said thst i would owe nothing when i called them. Now i have this company simm9ns agency calling me daily from phone numbers all over the USA. 
This agency is also calling me about a mefical debt from XXXX XXXX. I am refuting validity of. They are charging me for xrays i never took. I went to there over wsited over 1 houe .. Got up and walked awsy with no tests. They turned it in to my insurance company. I asked for the films. They refuse to give me. They sent a piece of paper. I know i never took. This is XXXX. 
The XXXX XXXX was 3 yesrs aho XXXX. And XXXX  was XXXX. I have repeatedly told Simm9n Agency not to call on my work phone. I have asked and told community that this is unfair. I am at a liss. They call me constantly. There is no one there when you pick up and then they come 9n and ask you to wait for a telephone operator.this goes on 3 to 4 times a day. All from different masked numbers
Consumer complaint received 2022-12-28
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. (CA)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove the following accounts right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA statement showing Transactions card XXXX XX/XX/XXXX New Purchase ** I did Not Purchase or Authorize {$120.00} & {$210.00} total New Transactions Added to my account {$340.00}. see attatched FRAUD CLAIM DATED XX/XX/XXXX letter date XX/XX/XXXX {$210.00} FRAUD CLAIM DATED XX/XX/XXXX. letter date XX/XX/XXXX {$120.00} ( THE CREDIT WE DEPOSITED AT THE BEGINNING OF INVESTIGATION * HAVE BEEN REVERSED. ) now see attatched XX/XX/XXXX STATEMENT. ( There are NO USAA CREDITS DEPOSITED XX/XX/XXXX TO REVERSE. XX/XX/XXXX ONLY MERCHANTS CREDITS CREDITED XX/XX/XXXX. ) ****USAA STEALS MERCHANTS CREDITS OF XX/XX/XXXX, & XX/XX/XXXX {$340.00}. ON XX/XX/XXXX. *** HOLDING CONSUMER LIABLE
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CO)

Received a letter from XXXX XXXX XXXX  stating that I owed {$330.00} to them. I called and asked where the debt came from and they said a company called PayPal. I have never used PayPal for anything. They said the transaction happened in XXXX of 2020. Once again, I never have used PayPal for any transaction.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

The bank locked me out of my account one week ago. It said security alert. Why? I did not forget the password I have Face recognition on my XXXX. My online account tells me to chat online but you can not without having to log in which the bank will not allow me to do. It gives a number to call XXXX. I have called that number daily for one week. No one answers the phone. They put you on hold and leave you waiting for hours and do not answer. Today I have been holding for over 2 hours. I received a notice stating that the account had an overdraw one week ago. I do not know if it is my transaction or not. I cant log on to find out. I have take screen shots of the wait times.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CO)

Chase has not suspended overdraft fees during the Coronavirus pandemic. Anytime I'm able to get a small deposit in my account, they wind up going just to cover overdraft fees. They've also purposely structured transactions to result in more fees. At a time when my income has been cut by half, Chase continues to charge overdraft fees. Even worse, they will not respond to me. I've been on hold several times for up to three hours to discuss this with them only to have the call disconnected. I've contacted them through their secure message center and I've contacted them through social media. It's unbelievable the way that they're treating people at a time like this. I need them to do the right thing and stop taking advantage of us during a pandemic.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00}
Consumer complaint received 2020-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (PA)

This auto loan was opened on XX/XX/2020 in XXXX, NC with BB & T in my name. I have NEVER been to North Carolina and I have NEVER been a resident. I have filed a dispute twice through my credit bureaus but both times BB & T has claimed that this is an accurate loan. Which I wasn't aware of until today. I have tried to contact BB & T multiple times but I have never gotten through to a live person. I do n't drive and I have never owned a car before. I didn't have any knowledge of this account until I checked XXXXXXXX XXXX  and noticed it. I've tried twice to dispute it. Additionally I never received any bills or information about this account. This is my last resort in trying to remove this fraudulent loan off of my account.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

In XXXX, XXXX and XXXX JPMCB Card put late payments on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they were having issues with their autopay and that they will correct the issues but they haven't. I just checked my credit score last month and it now shows on all 3 credit reports and has greatly lowered my score.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX  XXXX {$0.00}
Consumer complaint received 2020-04-03
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. (FL)

First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX {$0.00}
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has vi olated 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