davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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. (NC)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report.
Consumer complaint received 2016-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This is an extension compliant on report Case number : XXXX original complaint statement They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!! 

They still do not want to delete debt from credit bureaus They are not authorize to collect interest as per original contract with XXXX XXXX XXXX the next step would be to go to the State General they have made false statements. They are govern by fair debt collection practices act California that they are violating here are some violations Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections XXXX ; 15 United States Code sections 1692d-1692e. ) I have recorded them treating me they would sue me garnish my wages ruin my life is all RECORDED if I did not pay them right away they also curse me out when I dispute the debt and tell them I do n't owe them a dime Debt collectors can not make false or misleading statements ( California Civil Code sections XXXX, XXXX ; 15 United States Code section 1692e. ) Some debt collectors supply information on debts they are collecting to credit reporting agencies such as XXXX, XXXX, or XXXX. However, a debt collector can not threaten to report your debt to a credit reporting agency unless it actually intends to do so and unless the information it is reporting is true. ( California Civil Cod section XXXX ; 15 United States Code section 1692e ( 8 ). ) The key word is true they have been reporting inaccurate information for more then 2 years wrong amount and multiple accounts where there is only XXXX account proof of payment has been summited XXXX pics XXXX bill under XXXX XXXX last transaction on XXXX 2016 conformation number XXXX gave me is XXXX phone number they gave me for debt department is XXXX Here is a blog of other people with similar situations maybe class auction lawsuit is warrant here XXXX
Consumer complaint received 2022-10-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

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

XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity XXXX  disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX  disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX XXXX disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX  open balance : {$240.00} Original creditor : XXXX XXXX XXXX  disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX  XXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX  XXXX REPORTED BALANCE : {$0.00} Closed XXXX XXXX XXXX XXXX XXXXk Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Consumer complaint received 2023-03-14
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: Catalyst Mortgage Inc. (MI)

Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " Catalyst Mortgage. '' The text says in part, " I'm reaching out as we were notified by XXXX, XXXX and XXXX of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an XXXX number.
Consumer complaint received 2023-03-15
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (LA)

I submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  XXXX Balance Owed : {$250.00}
Consumer complaint received 2020-11-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$11000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Over the past several months I have made complaints to Experian and XXXX XXXX XXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with Experian XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that Experian had purged my account from Experian 's database which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and XXXX said they did not ask to have their trade line purged from my account. 

I want a credit report from XXXX XXXX  on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$250.00}
Consumer complaint received 2020-11-10
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)

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. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I have made several attempts to remove this XXXX  collections from my credit report, It's not my account, they have sold the file to a third party called I.C.systems.inc that has tried to get me to settle something that doesn't belong to me, the date they reported the account was opened is XX/XX/2021, for a charge of $ XXXX want this removed from my credit report..
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (TN)

XX/XX/XXXX, I contacted UNIFUND CCR LLC in regards to this inaccurate account on my consumer report. The correspondence received on XX/XX/XXXX did not fulfill any of my prior requests. All I received was an unsigned contract from another company and notified that the collection account had been sold to yet another company, DISTRESSED ASSET PORTFOLIO III , LLC but is still being updated reported from UNIFUND CCR LLC. Your company has failed to provide me with competent evidence to prove that I have a legal obligation to pay the alleged debt to you or any third party. Your company reported derogatory information/account/debt to my consumer reports ( XXXX, XXXX, XXXX, XXXX, XXXX. ). Your company failed to validate debt. Your company does not own alleged debt. Your company is not in possession to collect alleged debt but still reporting to my consumer report and causing me hardship. I am attesting that I have not received any goods or services from them nor do I plan to in the future. I have no verbal or written contract with UNIFUND CCR LLC that states I owe them or agree to pay them any money. I have no knowledge of this company and again I have no desire to do any business with UNIFUND CCR LLC. I am a victim of fraud, and I'm demanding that UNIFUND CCR LLC according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX, etc. ) IMMEDIATELY as I have previously requested, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also upon checking my reports, I've noticed that your company has been doing soft credit pulls of my information, that occurred on XX/XX/XXXX and XX/XX/XXXX, which is another violation of my rights under the FCRA. If your company has sold this alleged debt to another third party, why are you still illegally pulling my information regularly? I never authorized your company to pull my report under any circumstance nor invade my privacy. Lastly, upon checking XXXX XXXX XXXX, your company doesn't have any license that allows you to collect debt in the state of Tennessee.
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advantage Collection Professionals, Inc. (IL)

Company is trying to collect rent money not owed as I never resigned a lease in XXXX due to uninhabitable living as there was fiberglass as well as rodents in the common area and units.
Consumer complaint received 2022-10-17
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I have a savings account with Synchrony bank.The bank refuses to close my account and refund my money.At the same time it doesn't allow me to access my money in any way.This is happens for no reason.Every time I contact the bank, ( XX/XX/XXXX and XX/XX/XXXX phone call ) it says it will refund my money ( in seven to ten business days or three to four business days ) through another account of mine linked to this savings account.This never happens. I can't use my money for XXXX months without reason.Also employees of this bank are pressuring me to tell them bank account details ( XX/XX/XXXX phone call ) which is linked to that particular savings account, and all over the phone verbally and unsafe.The official bank already knows this information.Why are their employees asking for it again?
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am writing to bring to your attention a matter regarding my account, which was transferred from XXXX XXXX  XXXX Truist Bank without my knowledge or consent. As a result of this transfer, I encountered a situation where my account payment was delayed, leading to a late payment on my Truist account. 

I trust that XXXX XXXX  and Truist Bank value their customers and take pride in providing exceptional service. I have always been a responsible account holder and strive to maintain a good credit history. It is disheartening to experience such a disruption in my financial affairs due to circumstances beyond my control. 


XXXX Account number : XXXX
Consumer complaint received 2019-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (OH)

From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with Student CU Connect at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.