davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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)

XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX** 3. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** XXXX. Validate Account XXXX Account Number : XXXX
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (TX)

XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX Account Number : XXXX 4. Validate Account XXXX XXXX XXXX Account Number : XXXX 5. Validate Account XXXX Account Number : XXXX
Consumer complaint received 2019-08-08
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding inaccurate info and unknown things being on my credit report to TRANSUNION 60 days ago AND i NEED your help to remove these account immediately from my credit report. 
Below are the following account that needs to be remove Did not consent to unauthorized inquiry XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Delete this account immediately from my credit report as they have failed to perform an investigation XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX account unknown how do you verify this information this account is in violation it was reported XXXX a valid evidence
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2022 1. Validate Account XXXX  XXXX  XXXX  XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX  XXXX  XXXX  Account Number : XXXX 3. Validate Account XXXX  XXXX XXXX  Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 5. Validate Account XXXX Account Number : XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (TX)

Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash Com TXCSO ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( XXXX XXXX XXXX XXXX ), which now XXXX XXXXXXXX XXXX XXXX is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and Equifax. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
Consumer complaint received 2022-03-18
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 (AP)

I paid a deposit of {$450.00} to a company called XXXX XXXX for a trip on XX/XX/XXXX. The trip did not happen due to Covid 19 travel restrictions and was cancelled by XXXX XXXX around XXXX of XXXX. XXXX XXXX did not return my deposit and they did not offer an immediate refund. XXXX XXXX did say that after 1 year they would return my money to me. 1-year passed and they did not return the money. I reached out to XXXX XXXX and they instructed me to file a claim with my credit card company XXXX American Express ). American express informed me that the timeframe within which I could file a claim had passed. American Express concluded that they would not be able to reimburse me the deposit to XXXX XXXX. In XX/XX/XXXX.
Consumer complaint received 2022-12-06
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: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXX XXXX XXXX ] has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WA)

on XX/XX/2023 my paycheck was deposited into my cash app account and a few minutes maybe XXXX minutes later it was sent to an XXXX XXXX. i DID NOT MAKE THIS TRANSACTION NOR DID I AUTHORIZE ANYONE ELSE TO MAKE TRANSACTION I NOTIFIED CASH APP IMMEDIATELY AND NOTICED THAT OTHER TRANSACTIONS TO THIS PERSON HAD BEEN MADE FROM MY ACCOUNT I AM DISPUTING ALL OF THEM .I WANT MY MONEY BACKFROM THESE TRANSACTIONS. CASH APP IS DENYING MY CLAIM AND IS SAYING THAT I MADE OR AUTHORIZED THIS TRANSACTIONS WHICH I DID NOT.. THE SAY I CAN REQUEST DOCUMENTS FROM WHICH THEIR DENIAL IS BASED HOWEVER I TRY AND CAN NOT GET THEM I CAN NOT TALK TO ANYONE EVERYTHING IS VIA EMAIL AND I CANT SEEM TO GET ANY WHERE MEANTINE MY FAMILY GOES HUNGRY AND ARE AT RISK OF LOOSING OUR HOUSING DUE TO THIS AND I WOULD LIKE TO HAVE HEWLP IN GETTING MY MONEY BACK OR A IDEA OF WHAT ELSE I CAN DO THANK YOU
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated 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. 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.
Consumer complaint received 2022-03-18
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. (IL)

In accordance with the fair Credit Reporting act Convergent AccountS.. # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX ( OPENED. XX/XX/XXXX ) HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management INC. 

Constantly, called my cellphone and mailing letters to mailing address stating that they were going to sue me because I owed credit card debt from supposedly two companies that they purchased. They actually went to residence and serviced the residence there with the judgment. Never gave the original company the right to sell my information to third party. The accounts were charge-off, due to COVID-19 pandemic, I lose everything I explained to them but the third party company harassed me from XX/XX/XXXX until XX/XX/XXXX. The residence was just a mailing address because I was homeless. Now they have a court judgment on me.
Consumer complaint received 2022-03-18
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. (PA)

FRAUD ACCOUNT ON MY CONSUMER FILE. I AM REQUESTING DELETION. I SENT IN FTC REPORT AND COPY OF MY PA STATE ID.
Consumer complaint received 2022-03-18
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. (MN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (AL)

Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. 

I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. 

I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. 

Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. 

Please help me. Thanks.
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (NY)

XXXX XXXX  XXXX  XXXX  the original creditors have been trying to extort {$650.00} from me by establishing a negative debit to collect under an attempt that needs to be nullified. With every attempt to dispute this charge I have told these creditors that I have insurance for medical debits I don't have any reason to collect a debit because I am fully insured and they could have billed my insurance instead of making me respectfully responsible for a debit. These people have been harassing me for years and it's time for them to stop disparaging my credit. It is totally unfair for me to achieve anything credible of worthiness as this means a major hindrance going forward
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (MO)

I am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report. 
I discovered this XX/XX/2021 and report to XXXX  XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank. 
the bank do not stop collect the loan that is not mine.
Consumer complaint received 2019-08-08
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Original Creditor XXXX 12 XXXX NEGATIVE SHARE ) XXXX
Consumer complaint received 2022-03-18
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. (MN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (VA)

I tried several times to open a savings account with Comenity Bank today. They said they are " unable to open an account '' with me but wouldn't tell me why. They wouldn't tell me what they relied on to deny my account. I called XXXX times and told them I would file a complaint with you. I have a credit score of XXXX and no adverse information on my XXXX Report. When I said I had a right to an Adverse Action report under the FCPA, they said they would eventually mail me one in about two weeks ( that I guess I would receive in about three weeks ). 

My guess is they have some of my personal information wrong. I offered to let them run a credit check or let me apply in paper or let me verify my information by sending them my driver 's license but they wouldn't. 

I tried XXXX times. I'm 100 % confident that all the information I gave them was accurate. 

I also asked to speak to a supervisor. That request was denied on the grounds that the " supervisor would tell me the same thing. '' If they have false information about me, I want to know what it is so I can correct it. I am concerned my name and email and address has gone on the " dark web. '' ( I've been told it has. ) And if someone else is messing with my otherwise perfect credit, I need to know about it.
Consumer complaint received 2023-09-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO. (TX)

XXXX Purchased home for {$170000.00} XXXX Requested loan modification due to financial challenges Rate : 6.3750 % Term : 30 years Maturity Date : XXXX Note Amount : {$170000.00} Signed XXXX XXXX Filed XX/XX/XXXX : Deed release XXXX XXXX XXXX from deed only. XXXX XXXX agrees to be responsible financially for property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Filed XX/XX/XXXX : Quitclaim Deed filed by JP Morgan Chase and appears it was forged. Signed by XXXX XXXX, XXXX XX/XX/XXXX. Modification Effective Date of XX/XX/XXXX. 

XXXX Did not receive a new modification loan agreement after XX/XX/XXXX until XX/XX/XXXX. 
Rate : 4.5 % Maturity date : 30 years XXXX JP Morgan Chase failed to provide payment history from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX filed a XXXX deed removing XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. 

XXXX Chase filed a quitclaim deed removing XXXX XXXX XXXX from financial obligations. It was signed by XXXX XXXX, XXXX XXXX with a modification date of XXXX. 

XXXX Loan Modification Agreement transferring it to FHA loan ( Never Approved ) Rate : 4.625 % Term : 40 years Maturity Date : XXXX Note Amount : XXXX Increased : {$13000.00} Signed by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX not sign due to FHA and the increase in principle of {$13000.00} XXXX XXXX XXXX XXXX countersigned XX/XX/XXXX Since effective date was XX/XX/XXXX the FHA XXXX listed above is negated.
Consumer complaint received 2022-03-18
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)

On today 's date after consulting with Experian representative I have notice an incorrect amount reported belonging to XXXX. Investigating the representative told me that the company never reported since or incorrectly reported. The credit cars is 90 days delinquent for inaccuracy with debt paid always way before the due dates. Calling the credit card and asking for a manager the rep. Answered that no manager was on site so I got a supervisor. Explain the drama she wanted me to talk to a manager that mysteriously has appeared in the building. Explain again the latter, instead to recognize the mistake said that for security purposes she would not continue the conversation. No threats nor insults have been made on my side. This is the 2nd time this is happening with mistakes influencing credit scores. The situation must be correct once for all. I urge XXXX XXXX customer to check their reports amid zeroing incongruences. This company is managed overseas primarily in the XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Account # XXXX Name : XXXXXXXX XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXXXXXX XXXX XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX  Date XXXX Credit Inquiry Resolution : Delete from credit report These accounts were added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. Please delete these accounts from my credit report.