davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (FL)

Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX Data Breach files are being created in my names. Today received letter from Dynamic Recovery Solutions LLC. Referencing XXXX XXXX XXXX, XXXX and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

I have my credit file frozen at Experian. I both went online and called the number ( and another number in the online page ) to attempt to thaw the freeze for slightly more than two weeks. 
Experian will not thaw a security freeze as stated in the attached letter by phone or online. They require you to mail a treasure trove of identity theft documents ( drivers license, Social Security number, date of birth, credit card account statements, security freeze PIN, and other identification documents ) to a post office box in XXXX, Texas. If that letter were stolen in the mail, an identity thief would have a simple way to steal my identity and accounts. 
Plus it violates the terms of the letter that established my security freeze which provides for a Web address procedure and a telephone number to thaw a freeze. Nothing suggests you have to send identity documents in mass to a P.O. box in Texas which I am sure identity thieves know about and can probably steal mail from dishonest postal employees. 
This is not the way the credit freeze is supposed to work. The bureaus assured the CFPB they would make it easier, not harder and with risk of identity theft, to thaw a credit file. It also flatly violates their own letter which establishes the procedures to easily thaw the freeze. 
Experian is acting in bad faith to make security freezes difficult and dangerous to set up and thaw through the mail-only procedure. There is no legal basis for their doing so and I ask the CFPB to bring an enforcement proceeding against Experian for thus unfair and deceptive trade practice.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citibank didn't refund me the money in my account after closing my savings bank. I have called Citibank a lot of customer service calls but they are always making excuses. The reason I asked them about not refunding my money was because I deposited two checks in, and Citibank felt that there was a problem with one of them and asked me to contact the person who wrote me the check to talk to their bank. I made a special trip to his bank with the person who wrote me the check, and the bank told me that there was no problem with the check, and they had contacted Citibank to explain the situation. The bank told me that the check money had reached Citibank, and the bank could not make a claim without the check being ok. But I contacted Citibank customer service and the only option they gave me is that I need to go to this bank to make a claim, but the bank told me that if I want to make a claim, it will say that the check is stolen, so I can't do it Because there is nothing wrong with this kind of check. I was thinking that Citibank didn't want to refund my money, the only option they gave me was that if I wanted my money back I had to say that these two checks were stolen by me but I didn't, if I did it would affect me very bad. This is Citibank making a trap to make me jump, they just want to embezzle my money.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2022-05-13
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. (TX)

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. 

U S DEPT OF EDXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 


These are clear violations of my federally protected rights under the FCRA.
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Filing a complain against Experian rep XXXX from fraud department. 

To whom it may concern, this complaint is to notify you that on XX/XX/XXXX at XXXX I spoke to XXXX to file a unauthorized inquiries on my credit report. 
I mentioned 3 companies:1 XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 
XXXX refused to submit my request. 
I told her that is my rights to dispute any inaccurate information on my credit report, that a letter was sent to the issuer and to experian. 

Your cooperation in advance is appreciated Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

Hey, so i had to transaction that were unauthorized so I disputed both claims one for {$100.00} the other for {$140.00}. Its very unfair how my bank Chime tied with XXXX XXXX has been treating me especially that this pandemic is going on and they will not fund my account with money missing out of my checkings, they already closed my debit card and issued a new one but thats the best they seemed they can do i hope you guys can help resolve my issue thanks so much.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have been a XXXX XXXX XXXX customer sinceXX/XX/XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.
Consumer complaint received 2022-05-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
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. (AR)

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-10-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Hello Digit, LLC (TN)

Over the course of XXXX, I signed up for the waitlist to join XXXX XXXX ( now partnered with XXXX ) to open an account. This account would have included a Bills account, Spending account, and Saving account. After normal processing, I held the account, but I wasn't using the account as actively as I thought I would have. So in XXXX of 2022, I decided to close the account. I have included supporting email records to show this. 

Almost 6 months later, I was looking to re-open an account with XXXX  and fully transition to them from XXXX XXXX. I started the process over since it had been a while since the previous account was closed. I followed the instructions to create a new account, but after entering my SSN, I received a message stating that " Something went wrong '' and the " Bills & Spending '' account can't be opened for me right now. 

I then reached out to support to find out why and was told " I took a look, and I'm seeing that you previously had a XXXX account and then signed back up to XXXX. Because of that, you are not able to change your XXXX  account back to a XXXX account. I'm really sorry for the inconvenience, but there are some technical limitations with our system that prevent more than one switch between the two account types. '' I asked if there was an override for this. I was thinking that it was something I needed to do on my end to fix the issue and get the account opened, Instead I was told " You're asking a great question. I can definitely see how this could have been beneficial, but unfortunately it's not something we can offer right now. '' I was, however, allowed to open another account type, which is their saving feature account, but not the other. Also, considering her language about more than one switch between the two account types, this would have been my first and only switch. 

This feels unfair and unclear. There's nothing I could do to resolve the issue with them. There is no number I can call. Nothing. Just going the extra mile, I requested my consumer records from XXXX to see if there was anything I could be at fault for.
Consumer complaint received 2020-12-20
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: Nelnet, Inc. (NY)

contact credit bureau and very seasoned international experts, possible, the interplay between XXXX year old data pattern, possible from usa, possible from other country. 
possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this. 

XXXX XXXX XXXX.
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (IL)

I had a collection account with CCI from a utility company from a house I rented I found out about this when I checked my credit report in XX/XX/2019. I never received a dunning letter from them and when I seen it on my reports I contacted them about it. I called them 4 or 5 times and everytime I told them the only way it would benefit me to pay it is if they removed it from my reports that i had moved to a another state and would never have any service with that company again. The last time I called they told me they would remove it from my reports and it's been over 6 months and it's still on them. I called back about a month ago and was told they don't remove things from reports. So I was lied to and It is an unfair collection practice for a debt collector to make false representations. FDCPA 807. This is the only bad thing I have on my reports and I didn't even know I owed the company anything I filed a forwarding address with the post office and I never received anything saying I owed this or I would have paid it. And CCI had my address also and never sent me anything before putting it on my reports.
Consumer complaint received 2022-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (TX)

Call from " Discover '' from XXXX on XX/XX/2022, followed by repeated calls from " Discover '' from XXXX asking for a " XXXX XXXX '' who is not at my number. Calls and voicemails on weekdays from XX/XX/XXXX to today. Internet search mentioned debt collection scam from this number so calls have not been returned. I have never had a Discover card or account.
Consumer complaint received 2022-12-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

My wife and I recently put an offer on a house in early XXXX. Our offer was accepted and we began applying for mortgages and ended up using US Bank. I provided the loan officer with information about my current employment and wages. Throughout this process I had been interviewing for jobs and awaiting job offers. The location of the home is not within commuting distance. By XX/XX/XXXX, I had heard back from only one employer in the area and was offered a position with a $ XXXX pay cut. After budgeting, I realized I would not be able to afford this home and contacted our loan officer to update him. My wife and I decided to terminate the purchase agreement based on the financing contingency in the contract. I contacted my loan officer to terminate the loan application and request a loan denial letter to provide to the sellers. He was understanding and told me he would work on it. I have followed up with him on XXXX XXXX XXXX because I have not received the loan denial. Now the loan officer is not responding to my attempts to contact him. My wife and I would just like the loan denial letter before the closing date.
Consumer complaint received 2020-09-25
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX