davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXX PARTNERS Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have disputed multiple times and Equifax has yet to remove the fraudulent credit inquiries from my credit report. Please see below for the fraudulent credit inquiries. 

XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove it.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

We have been Citibank customers for over 25 years with a very high credit score. We detected unauthorized charges to our Citibank card in XX/XX/XXXX. We immediately contacted Citibank 's fraud unit; reported the charges as being unauthorized and requested that the card be immediately cancelled. Citibank failed to cancel the card until we called again to complain. The charges total up to {$11000.00}, all of which were incurred at various XXXX XXXX XXXX we have never been to in XXXX, XXXX and XXXX, XXXX. The charges occurred over the course of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX. The charges start at around {$50.00} and increase in {$10.00} increments up to approximately {$100.00}. There are anywhere from 15 to 25+ charges in a single day. We have called Citibank at least 1-2 times per week for the past 4 months to make sure the charges are dropped from our statement as they remain as part of a balance on our account. We always pay off our balance each month but refuse to pay this balance. Citibank needs to address this issue yet they issued us a letter that states " this was not fraud '' because you did not report a stolen or lost card and is asking us to pay the {$11000.00}.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (SC)

Derogatory Account : WORLD FINANCE CORPORATION XX/XX/2021 CLOSED/ CHARGE OFF ACCOUNT First amount {$870.00} Second amount {$780.00} This account has affected me drastically resulting in falsely being on my credit report that has not been made nor verified that I have such account with this company unless I am shown proof of my identity and verification with this company I have been demanding for the past several months this account be removed from my credit report causing stressful measures.
Consumer complaint received 2019-06-12
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: AMERICAN EXPRESS COMPANY (CA)

Please be advised that XXXX XXXX , XXXX ( XXXX ) disputes the charge of {$15000.00} under American Express Corporation Chargeback Dispute Case numbers XXXX and XXXX. 

American Express Corporation ( AMEX ) did not properly investigate this dispute, if it had, the case would have been decided in XXXX favor. The documents provided to AMEX by the Merchant, XXXX XXXX ( XXXX XXXX ) under case number XXXX were not relevant to the chargeback case. If AMEX reviewed these documents the conclusion would be been a refund to XXXX. 

XXXX purchased booth space from XXXX XXXX for a 440 squarefoot booth # XXXX at the XXXX/XXXX/XXXX XXXX in XXXX XXXX, California. XXXX XXXX without any notice switched XXXX to a smaller, inferior booth location ( 200 square feet vs 440 square feet ) without any authorization or consent. XXXX filed its dispute with AMEX. 

The documents provided by XXXX XXXX were for an exposition in XXXX, XXXX to take place in the future on XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX rather than the exposition that took place in XXXX XXXX, California, USA, which took place from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and was the basis for the charge of {$15000.00}. 

On XX/XX/XXXX, XXXX representative contacted AMEX and spoke with XXXX ( Employee #  XXXX ) who stated that he was a manager at the dispute center ( XXXX ), to inform AMEX that the supporting documentation uploaded by XXXX XXXX was not relevant to the dispute at issue because it related to a completely different exposition, on a different continent, that had not even occurred. XXXX was able to view the deceptive documents and reopened a new dispute. XXXX was sympathetic and believed it was probably just overlooked and they would get it right this time. 

On XX/XX/XXXX, AMEX opened a new dispute, case number XXXX, for the chargeback amount of {$15000.00}. Again, XXXX XXXX submitted the same, misleading and deceptive documents used in case number XXXX. 

On or about XX/XX/XXXX, AMEX, again decided the chargeback dispute in favor of XXXX XXXX. We believe that AMEX did not conduct a reasonable investigation into this matter and is now attempting to collect a fraudulent debt. 

OnXX/XX/XXXX, XXXX again called AMEX to dispute this transaction and to point out the lack of investigative effort by AMEX. XXXX also informed AMEX that it will not pay, or be held liable for this amount, financing charges, or collections charges/attempts until resolution of this matter.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (KY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-04
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. (TX)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX Balance : {$220.00}, XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

Comenity Capital Bank. There is an unknown account fraudulently opened under my name at Comenity Bank which has decreased my credit by almost XXXX points. I have contacted Comenity Capital Bank when I found out about the account to remove it from my name but they refused and the person I spoke to XXXX treated me badly as if I had something to do with being a victim of fraud because they say the account is paid off which is none of my business. Fast forward they refused to close the account and take it out of my name although I have a Federal Trade Commission report and they failed to protect my XXXX liability protection. This issue is keeping me from getting approved for anything wether it is business cards or apartments and greatly hindering my life. This issue has caused me documented XXXX and XXXX XXXX. If they dont remove this from my name I will proceed with a lawsuit.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-04-04
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-04
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-07
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. (GA)

XXXX XXXX - XXXX {$540.00} & XXXX There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-04-04
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-04
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. (MO)

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Bank and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX.
Consumer complaint received 2022-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}, XXXX - XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$2400.00}. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX on these dates disputed below without a response or awaiting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-07
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. (GA)

XXXX XXXX - XXXX  {$540.00} & XXXX There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NC)

It was around 2019 my account was shut down for fraud check, I wasn't able to open any other accounts I regret the action it was a scam that came to me and I wanted to see if it was real and I cant open any account due to that i would like to resolve that matter, I was young and stupid till now I don't have credit, please help me.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

on XX/XX/2024 an unlawfully placed unauthorized inquiry was placed on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OR)

In XX/XX/2019 I began having difficulty making my mortgage payment. I tried to pay half and then catch up XXXX, and was unable to do so based on PHH ( a subsidiary of Ocwen ) not accepting partial payment and not responding to my question. I then applied for a modification. I sent all the required documents to them. They claimed not to have received them. I sent proof to them that they were sent. Then they claimed that the tax returns werent signed. I verified they had been. I then reached out to a short sale company, but was told by my relationship manager that I had to first request modification. She stated she saw that the tax returns were signed and  didnt know what the problem was this was in XXXX. The Real estate agent I was working with was unable to get anywhere with the mortgage company regarding what they wanted and how to go about getting the property sold. In XXXX I lost my job. I advised PHH this. They did not care. I made calls to them daily and each time theyd say a different thing or state that I didnt send them this document or that or that it was outdated and any excuse they could find. I needed to move because I lost my job. I hired a different agent who I thought could better assist me. I was finally denied the loan modification so I could proceed with liquidation. When I finally obtained a buyer I was told that I had been approved for the short sale and also that I could get a cash incentive or a consideration payment of up to {$4500.00}. This was in my letter. I was then told the buyer would have to pay for it. The buyer has been waiting since XXXX to get the home. Buyer threatened to back out because they didnt want to pay my relocation fees. We are still fighting with the bank. I feel nothing will get resolved and the home will be foreclosed on. I have no guidance in this  manner.