davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (IL)

XXXX XXXX, XXXX XXXX THE XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and their affiliates have stolen my identity when I worked a summer job when I was younger for their company and they kept my information and used it against me and used my name, social, birthday for their benefit and deformed my character and misrepresented myself and my family and the community. They opened a credit cards, bank accounts, and mortgages and purged my family and my assets up against the property of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Il XXXX They forged my signature and my aunt 's signature after they entered us into a civil marriage They falsified documents and they put powers of attorney against us to act as our agents They attempted to take over our family business XXXX XXXX XXXX XXXX they acted as if we were doing business as XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

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, XXXX XXXX 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (GA)

Account XXXX XXXX  XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

has violated my rights. Or a 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 that the information is inaccurate.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 2023-02-08
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)

XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXXXXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA makes paying my vehicle loan payment very complicated since my bankruptcy was XXXX. I chose to keep that loan and its current. They make me call in and jump through so many hoops every month just to make a payment. Now they apparently got a new system and there is an error and they cant accept my debit card payment. My bank doesnt do bill pay and I dont have or use checks. They expect me to pay for a money order and postage just to make a payment. This is their fault and their error. Why should I pay for it, or have to go through so much just to pay? They made me verify identity 5 times, transferred me 5 times, disconnected the call once, now I have to wait at least 2 days to talk to a supervisor. I wasnt aware that random people paying your bill was a problem. This is ridiculous and unacceptable! This isnt my first issue with this company by far. 26 years of membership and this is how they treat members!
Consumer complaint received 2023-10-23
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)

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. 

has violated my rights. Or a 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 that the information is inaccurate.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

To whom this may concern, There seems to be a XXXX of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit. 
Due to the fact that I was succumb with XXXX XXXX I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the following inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a XXXX  party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report. 

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within XXXX XXXX of receipt of this letter. ( XXXX XXXX XXXX ( a ) ( XXXX ). )
Consumer complaint received 2022-12-22
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. (WA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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. 
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 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (TX)

Total Card XXXX XXXX XXXXi charged off my card without giving me an opportunity of arbitration per our contractual agreement due to discrepencies and payments. They wrote off the debt for {$510.00} and reported the charge off to the credit bureaus, then later sold the debt to XXXX XXXX. They are both reporting me as delinquent for the debt. The debt should have never been write off or sold without arbitration when the debt amount was in dispute.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX5 USC 1681.

has violated my rights. Or a 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 that the information is inaccurate.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CONST LLC (AZ)

The offenders have individually and collectively perpetrated and aided in defrauding consumer investors and depositors in XXXX of over {$22.00} XXXX. They directly solicited customer funds, advertised that ALL funds in fixed term crypto-backed lending product were ONLY used for fully secured over-collateralized lending to borrowers on the platform with the borrowers depositing XXXX % of collateral in crypto assets on behalf of the lenders to secure the loan. 

They also represented that all borrower collateral and lender funds would be forwarded to XXXX XXXX, their regulated custodian for safekeeping the collateral until the end of the loan period, after which the lender would be paid their monies by the borrower, with the collateral returned to the borrower. 

These above statements by XXXX were overwhelmingly false. There were hardly any borrowers to match the lenders with on the XXXX platform, and there was hardly any collateral for the so-called fully secured loans. In other words, XXXX principally matched lenders to non-existent borrowers while misappropriating their funds for other purposes. For the few occasional existing borrowers on the platform, XXXX misappropriated even their collateral. This is a case where the platform scammed both the borrowers and the lenders on the platform by taking the lenders money for themselves, as well as the borrowers collateral. 

The Offenders embezzled the funds that the investors deposited on XXXX for themselves by funneling the funds to founders other company, XXXX, through unsecured loans. They also misappropriated investor money meant for secured lending to other platform borrowers to instead make unauthorized deposits and risky bets on XXXX XXXX, something that the investors never intended nor were aware of how their funds were used. 

The Offenders scammed investors and users in all other types of lending products as well. For instance, the funds in XXXX accounts were not sent to third-party collateralized lending pools, but rather used by them to line their own pockets as described earlier.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a 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 that the information is inaccurate.
Consumer complaint received 2023-08-21
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 2022 2022
Consumer complaint received 2023-02-08
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. (MO)

In accordance with the fair credit Reporting act Collection account : Creditor : XXXX XXXX Amount : {$1200.00} Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection Creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account numberXXXXXXXX Date openedXXXX XXXXXXXX, XXXX Creditor : XXXX XXXX Account type : Collection Account numberXXXX Date openedApr XXXX, XXXX Account type : Collection Creditor : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose.

XXXX
Consumer complaint received 2022-10-14
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. (PA)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as Evidence
Consumer complaint received 2023-09-08
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Missed a call listed as Spam. Ex husband contacted me stating that he got a phone call about a a civil complaint " out of ( my county ). 
He gave me a ( XXXX ) number Called line was busy. Noticed a missed call ( phone blocked it b/c is was " suspected spam ) Called the number and processed to go off on " XXXX " once he told me that HSBC was filing a civil suit b/c I never responded to the " letter '' regurding an XXXX  backed debt from prior to a bankruptcy I filed ( I filed in XXXX  everything but federial Sub and Unsub student loans were discharged ) they sent me. Told him that this XXXX XXXXXXXX that at no point in time did I or Have I received anything from their client. I have no outstanding debit and if I do then mail me a certified letter with the documents/ letter from your client with the information of said debit. 

XXXX then stated that he could not do that as it would not be cost efficient, and asked for my email. Rambled off an email address and proceeded to chew his " Lawfirm '' out for falsely trying to collect old debits and that again until I have a certified letter from either his employer ( lawfirm ) I'm calling XXXX. He continued to refused to send me a certified letter, that the ONLY certified letter I will be receiving is my subpoena, and that this was now my notice and that they will move forward and reminded me that " This call is being recorded " and WILL be played back in court. I went on to again request certified documentation of said debt which he replied that I'm their client and I will get said documents in court.. I called XXXX. again stating that his Client ( HSBC ) Flat out falsely reported they mailed out anything to me so until I receive a certified letter with said claims of past due debit that I'm not settling anything. Asked again what County the suit is filed in, said XXXX XXXX Told him fine I will call the court house myself to validate the suit to which " XXXX '' said it hasn't been filed yet. 

At this point we had been on the phone for nearly 25-30 mins and he told me there was no point in arguing. My response was " Why not your getting regardless " and If you want people to answer your phone calls maybe have you employeer update the phone records so it doesn't come up as spam. 

The " Law office " Is XXXX XXXX ( which I only found 1 and they deal with timeshares ) The debit was for like {$2300.00} ( give or take ) Client HSBC. Guys name was XXXX. And there was a voice mail with a call back # XXXX XXXX XXXX XXXX. Stating in regards to a civil matter couldn't really make out the rest but female stated that " I've been notified " All phones listed the XXXX, XXXX and XXXX were reversed look up and no information on any of these number except the XXXX was listed as XXXX, XXXX Georgia