davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXXXXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX XXXXXXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXX XXXXXXXX, it's just really logistically impossible to indicate that it was late.
Consumer complaint received 2024-02-10
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. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an alert on my phone from my credit monitoring service that a major derogatory account has been detected on my Experian and XXXX XXXX reports by XXXX XXXX XXXX ( a bulk debt buyer ) on XX/XX/year>. According to the law, a debt collector must follow certain criteria before furnishing an alleged debt on a consumers consumer report or face penalties or legal action for its deliberate consumer rights violations. 

Under the 15 US Code, my rights to privacy have been violated, which is protected by law. 15 U.S. Code 6801 states as law that my personal information be protected and remain confidential by the institution involved, and If violated, there are grounds for legal action against all parties involved, including XXXX XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option According to this section of the law, XXXX XXXX XXXX has violated my consumer rights ; they did not follow any of these requirements before furnishing my private information to the CRAs, and it should not be on any of my consumer reports, including XXXX, Experian, and XXXX, and must be deleted immediately. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Cease and desist all communication from this debt collector. XXXX and Experian shall also begin an independent investigation on this account to ensure that it is 100 % accurate, complete, and fair, according to FCRA. or delete it from my consumer report!
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (IL)

I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

Late last year, in 2015 I went ahead and applied for a CITI Gold Package account. The account package offered a XXXX XXXX XXXX miles bonus directly targeted to me. The miles where to be awarded to my XXXX XXXX account after meeting XXXX stipulations, that I pay XXXX bills from the account and that I spend at least {$1000.00} using the debit card. I completed both of these stipulations well within the time frame allotted and for the last six months have invested over 5 hours of call time and a number of emails have been sent over to Citi in order to get to the bottom of why the miles have never been added to my XXXX XXXX account. I feel that Citi is using these promotional tactics to bait customers into opening accounts and then reneging on their end of the deal. I do n't feel that this practice is fair to consumers and I feel it is predatory.
Consumer complaint received 2024-02-10
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. (PA)

XXXX XXXX has agreed to delete this account from my consumer report. However, it is still reporting to my Experian report. I demand that Experian delete this account immediately for it is fraudulent. and the creditor has agreed to delete it. It should not be reporting to my consumer report, for it is hindering my credit. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-17
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor : SUN XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL  XXXX XX/XX/XXXX ; XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and Bank of America even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with Bank of America, it's just really logistically impossible to indicate that it was late.
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (FL)

XX/XX/2023 I took a {$90.00} advance from money lion XXXX and declined to leave a tip since they were charging a {$8.00} fee to send money. Repayment was scheduled for XX/XX/XXXX for total of {$98.00}. on XX/XX/XXXX the XXXX was paid in full from my XXXX acct then another {$2.00} was taken. When I contacted operator they said it was for the tip. I sent them all my screen shots and they said they would credit me this time but acted like I did something wrong. On XX/XX/2023 I borrowed another XXXX from XXXX. Again without tip but set it up to be paid directly from my money lion acct. To be paid back on XX/XX/2023. I received 2 {$5.00} boosts so it brought the total owed to {$100.00} with fees. So the XXXX was debited then another {$2.00} charge. Once again they say it's from the tip and once again there was never any tip scheduled. They say there crediting my mistake but how can they keep doing this. And if I'm not the only one this is happening to they are making load of money that there stealing
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (MI)

QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX ( under XXXX XXXX XXXX  and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of XXXX XXXX XXXX XXXX XXXX and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to XXXX XXXX processed payments, credits, charges, and advances while it was servicer for the Loan. 

Please identify WHO released servicing rights from XXXX to XXXX [ the name of the Company and its individual responsible representative ] and for WHOM XXXX collected and processed my payments between XXXX to XXXX
Consumer complaint received 2021-02-15
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)

ON XX/XX/2020 I FAX AND SENT EQUIFAX A LETTER, EQUIFAX HAS REMOVED 4 GOOD ACCOUNTS FROM MY CREDIT REPORT. THIS HAS DROPPED MY CREDIT SCORE. ATTACHED IS ONE OF MANY LETTERS SHOWING THE ACCOUNTS NUMBERS AND DATES THAT EACH ACCOUNTS WAS OPEN ... WHY WOULD EQUIFAX DO THIS TO ME.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TN)

I excepted a job offer on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX Tn. and worked 6 weeks and First Advantage background reported false information and i lost my job. I contacted First Advantage and reported the issue, In reveiwing the company I found Im not the first. The back ground information they summitted wasn't mine. I have had identity theft and filed a police report and filed a complaint with the FTC in which I summitted the paper work to them.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

a Fraudulent account was opened under my name without my knowledge or consent. I contacted the company 's customer service and fraud departments to inform them of this. 
I was told that I would be sent a fraud statement. They never did. They have harassed me via telephone ( my cell ) and I am now receiving letters from a collection company.
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

After obtaining a credit report, I notice Medicredit Inc added a debt to my credit file with no account number only the amount of XXXX was reported. 

Due to being in the state of Florida. I signed medical papers to protect my information from being reviewed by unwanted agencies.
Consumer complaint received 2022-10-15
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. (AK)

XXXX XXXX Account XXXX remarks from all three credit bureaus XXXX last payment date : XX/XX/XXXX XXXX last payment date : XX/XX/XXXX Experian last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but Experian also has my account being charged off in three consecutive months.
Consumer complaint received 2019-06-17
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the  rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

My account information has not been updated by US Bank Mortgage, the amount I owe on the mortgage has not been updated. My account status has not been updated on my credit report. This needs to be updated, I signed all the necessary paperwork and the payment amount has still not been updated to reflect an update to date account. Been this way for two months now. I started the process in late XX/XX/2020.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (AL)

Account information is completely different. One report is reading a different balance, creditor name, and a different address than the other. This information is inaccurate! And I need it removed from my account. Attached are pictures of both creditors thats charging me the same debt. One account is reading that the account is closed and the other states that it is open.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have no idea what the XXXX dollar that appears on my report is that appears XXXX2018 is and dob XX/XX/XXXX is incorrect. I never lived on XXXX XXXX
Consumer complaint received 2019-06-17
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. (MO)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply. XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
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. (MO)

I have 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$350.00} XXXX ) Account Resolution {$71.00} XXXX ) XXXX XXXX XXXX {$140.00} 7 ) XXXX  XXXX {$30.00} 8 ) XXXX XXXX XXXX XXXX {$3800.00} 9 ) XXXX XXXX
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2020. I randomly received a text from a claimed caller ID TD Bank said Fraud Alert about a transaction for {$500.00}, I denied acceptance. Then I immediately received a call from TD bank # that someone was trying to take money & they would stop on their end. They sent me a XXXX request & told me to hit yes. It concerned me, but I did because it was the " BANK '' They did this for 2 transaction {$600.00} & {$400.00}. I called Bank, then I Filed a police report once I checked my account after the weekend and realized they didn't stop, but took money. The bank gave me a provisional credit, then took money back in XXXX because I hit Yes for XXXX. This was a Phishing Scam. I did because I thought I was speaking with Bank & Trusted. I feel so violated and this has never happened to me before. I am not liable for this money.
Consumer complaint received 2019-06-17
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. (MO)

I been a victim of the dark web, along with losing my identification and ssn card years ago. I'm demanding that these unauthorized accounts be blocked from my credit file. 

[ 1 ] Dept of ED/XXXX {$7300.00} [ 2 ] Dept of ED/XXXX {$3000.00} [ 3 ] Dept of ED/XXXX {$5400.00} [ 4 ] Dept of ED/XXXX {$3900.00} [ 5 ] XXXX XXXX XXXX  XXXX [ 6 ] XXXX
Consumer complaint received 2019-06-17
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2019-06-17
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX