davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GreenSky, LLC (FL)

I had to have emergency electrical work done in my home. I am a XXXX year old single woman who lost my job due to Covid19. The amount of the bill for the electrical work was {$10000.00}. I told the company that I didn't have that kind of money and they offered to get me financing. They called GreenSky to get approval for a credit loan. I was given a line of credit exceeding the amount needed. The work took place the week of XX/XX/XXXX but was and is not completed, and the fixed payments to GreenSky are to start @ 40 days thereafter. On XXXX I was notified via email, that there was activity on my account. GreenSky paid the electrical company, Mr.XXXX, the full amount. The contracted work has not been completed. I then called GreenSky and asked them if I was their client, of course was their answer. I then told them that any credit card company calls their client when there is a large charge that is not usual and asks for authorization for the charge. I asked them why I wasn't notified? I asked them if they were aware that the job was not completed? I asked them if they pay for services in full when a job has not been completed? I told them that they left me holding the bag in essence because Mr. XXXX is not responding to me regarding finishing the job and that now, why should they when GreenSky has now paid them in full. From their actions, it appears to me that they were doing what was best for Mr. XXXX, and not me, their client. It makes me question just who their client really is? I got no response and when I asked to speak to a supervisor I was told to take it up with Mr. XXXX. As I mentioned in the beginning, I am out of work because of Covid19 and now I have been notified by the Credit Bureau Agencies, that my credit has dropped over 30 points because of this. I called the Consumer Financial Protection Bureau and was told that of course I could lodge a Complaint but that it doesn't necessarily mean that action would be taken. I was told that there has to be many complaints before action is taken. In looking at your database, it seems that many people have complained about GreenSky. I hope adding my Complaint will result in action being taken. 
Thank you,
Consumer complaint received 2020-03-26
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)

I ask equifax to investigate a problem on my credit report they told me they verified it with a third party lexis nexis and they never investigated it because I have a security freeze on that I will forward you the information. They said they looked into it.
Consumer complaint received 2020-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On XXXX I purchased a condo in New York and the loan was initially funded by XXXX XXXX. The loan was sold to Fifth Third Bank. My property tax payments were estimated at {$620.00} / mont by XXXX XXXX. When the load was transferred, I continued to make these payments. Then Fifth Third Bank said that there was a shortage on my account of {$2900.00}, which I paid. They said that even after paying my shortage, my new property tax payments would be {$1200.00}, which is the double of what I was projected to pay. However, I checked with the city and the bills for XX/XX/XXXX and XX/XX/XXXX were of {$1800.00}. Fifth Third Bank reports that these bills were and will be of {$3600.00}, which is incorrect. Additionally, it appears that they double paid the bill for XXXX because I was charged twice, while the city reports the payment was just {$1800.00} once, Fifth Third Bank reports that it went twice, once on XX/XX/XXXX and once on XX/XX/XXXX. ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} I have been paying my calculated escrow as required in addition to all provisions at closing the escrow. Why am I being robbed?
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX and list of Inquiries. 

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
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XX/XX/2020 Dear Consumer Financial Protection Bureau, To whom can help me, my name is XXXX XXXX and I have been struggling back and forth with Experian who has violated my rights and has violated many of the FCRA Laws that are put in place to protect victims like me of a credit bureau reporting anything that comes to them WITHOUT the proper full verification and validation. Below are a few among many violations : 1. Failing to Follow Proper Procedures 2. Privacy Violations 3. Continuing to report inaccurate, unverifiable, and unvalidated information on my account 4. Failing to investigate inaccurate items properly and thoroughly 5. Failing to produce any signed contracts, documents, or proof on how they have verified The FCRA states the bureaus must verify all information that they get from banks, credit card companies, loan companies before it's put into your credit report. Before placing any item on a credit report Experian must verify any account with signed documents, contracts, or original signed documents.

Experian is placing information onto my credit report without proper verification, thus conducting business in an unethical manner. There have been countless complaints on Experians unlawful behavior, 141,194 to be exact. They are not following the correct procedures and continue to violate the lives of many citizens in the United States of America.

Experian has not been able to provide me with any contracts with my signatures nor can they verify the accounts with the contract or document ( a statement/bill is not proof of debt/evidence ) therefore the account on my credit report is unverified and under the FCRA ANY UNVERIFIED ACCOUNT MUST BE DELETED.

An Experian representative has explained to me that accounts are under an unknown address. I have disputed this inaccurate address for a few months now but I have not received any help from Experian. 

Experian remains an unchecked credit bureau and has ruined and continues to ruin the lives of many by having the freedom to report anything without proper procedures. Please be informed that this is also an intention to file a lawsuit against Experian if this information is not removed. Experian has been going in circles and unethically damaging my credit report by stating that the following accounts have been verified but they have not. I can not allow this atrocity to continue by this unchecked company. I demand the following accounts to be deleted : { Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} } { Account Name : XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} } { Account Name : DEPT OF EDUCATIONXXXX Account No : XXXX Status : Closed } { Account Name : XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} }
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. (AR)

A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-04-05
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. (IL)

I have disputed the unauthorized inquiry from XXXX XXXX XXXX XXXX with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof I authorized the inquiry such as signed applications, contracts, or recorded telephone calls. 

I believe this account does not belong to me. During the time I was disputing this inquiry, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this inquiry does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged 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. (AR)

A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

The items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was incarcerated during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) XXXX   XXXX  {$770.00} XX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquirie that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Bank of America XXXX XXXX Reporting on XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2022-12-29
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. (NJ)

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
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
Consumer complaint received 2022-12-29
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. (NJ)

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
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 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

it was an account opened at this address i do not know this debt it was opened in XXXX. XXXX IN THE AMOUNT OF {$250.00} I have got several police reports reporting that someone is using my name, or someone has the same name as me, but they are attached to my credit report.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (CA)

The banking institution PNC bank had marketed the payment processor for credit cards for my business. I had accepted the offer and also accepted that they would waive the sign up cost. I immediately started doing business with this processor and PNC bank froze 100 % of my funds and refused to release them for 6 months. 

Besides this, the most wrong part was that after fighting with them they allowed me to refund the customers in caution of chargebacks since I could not provide the services without the funds. 

The worst part, PNC charged me the processing fees even though I could not recieve the funds therefore putting me in the negative. 

The case number with PNC is XXXX Business Bank Account XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was incarcerated during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) XXXX   XXXX  {$770.00} XX/XX/XXXX
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.
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. (AR)

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX  {$170.00} XXXX  XXXX  XXXX   {$4900.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX   XXXX  {$4600.00} XXXX XXXX  XXXX  {$51.00}
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to dispute a charge-off entry that appears on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that the item be investigated and, if found to be inaccurate, removed from my credit report. 

The details of the disputed entry are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XXXX I believe this charge-off is inaccurate as per the IS USC- 1681eb this has been a cancelled debt. I have reached out to XXXX XXXX multiple times to get form 1099c which I am yet to receive.

Please investigate this matter within the 30-day timeframe as set forth by the FCRA and inform me of your findings. If after your investigation, the charge-off is found to be incorrect, I kindly request that it be removed from my credit report and that I receive an updated copy of my credit report at no cost. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 — 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 {$14000.00}, {$14000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.