davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
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. (NJ)

XXXX  XXXX is a fraud bank where they didn't report positive activity on my credit report until it went to negative then they reported the negative. XXXX XXXX is so irresponsible that put my credit utilization way over 100 % and it's not true. I used only in between the 100 % limit. Experian is standing up for XXXX XXXX by leaving my credit utilization over 100 % on my credit report. The XXXX XXXX account are already closed why leave the credit utilization so high, I am using those cards. Both Experian and XXXX XXXX are intentionally hurting my personal credit. Experian even put a security alert on my credit without my permission and is refusing to take it off. I got denied credit due to this Security Alert and this wrong credit Utilization. Please help.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc. (MO)

The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) Diversified Consultant # XXXX  2 ) XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have been the victim of identity theft and have filed police reports, wrote letters, filed identity affidavits and made many phone calls trying correct account information placed on my Equifax report due to identity theft. I have provided Equifax with all of the appropriate information to substantiate my claim of identity theft. I have sent Equifax several police reports and identity theft affidavits, along with other supporting evidence to try and have the fraudulent information removed from my credit file, but they have refused to honor the law and my documentation related to my identity theft claim. The fraudulent accounts in question is a XXXX credit card in the amount of {$350.00} and XXXX XXXX XXXX XXXX with a balance of XXXX. I have disputed this information every month for the last year with police report, identity theft affidavit, dispute letters and Equifax still will not remove information from my credit report or provide me with information proving these fraudulent accounts belong to me.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Beginning of XX/XX/2019, I got an alert from my bank and XXXX XXXX XXXX via XXXX XXXX  that there was a change in my credit score. I looked it up and my credit dropped XXXX points. It stated that the XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX began a new line of credit or account to my credit report. After inquiring about the collections report we found out it was from XXXX XXXX in XXXX XXXX XXXX, FL. After calling them, we then found out that they had been sending my bill to the incorrect address. An incorrect address that I had never lived at. We then sent them a copy of my drivers license ( for correct address proof even though they were the ones who entered the address incorrectly ) and set up a payment plan. They never spoke with us before putting us into collections and we never received the bills. It is still on my credit report even though my husband I have repeatedly tried to contact XXXX and XXXX XXXX XXXX XXXX XXXX telling them it was not our mistake. I was even spoken to like a criminal by the XXXX XXXX XXXX XXXX. thank you so much for any help you can provide.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Consumer complaint received 2019-07-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX : I deposited 4 checks into a new Chase savings account, with an amount totaling {$1400.00}. I also authorize my other bank account ( XXXX XXXX XXXX XXXX ) to transfer money into this new account. They deposit XXXX cents into this account. 

XXXX : Chase decided to close my savings account for unclear reasons. My account has a balance of XXXX. 

XX/XX/XXXX : I receive a check in the mail for XXXX cents. 

XX/XX/XXXX : I call Chase to enquire about the rest of the money ( {$1400.00} ) and am told that it is still being processed. 

XX/XX/XXXX : I receive another statement from Chase which states that my account has been totally emptied. However I still have not received a check. I call Chase to ask and they state that it is still being processed. 

XXXX : I still have not received the remaining funds and call Chase again, who tell me that the funds are under review and they have no update. They tell me they are putting in a note to expedite the process and to call back in one week for an update.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

The students loan amount is not correct information. Over {$5000.00} was discharge in a bankruptcy case. The amount is incorrect and was discharge in 2013 and the amount was consolidated in a loan with XXXX  and pass on to mohelda
Consumer complaint received 2023-03-20
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)

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/block any items 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 XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2023-03-20
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TOYOTA MOTOR CREDIT. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. XXXX XXXX XXXX   . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX/XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX 13.XXXX XXXX 14.XXXX/XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXX 17XXXX XXXX 18.XXXX XXXX 19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX XXXX 22.TOYOTA MOTOR CREDIT CO XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-07-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (WI)

starting a XXXX they start calling every 1.5 to 2 hours. The calls are automated and will not stop. Even after I call them back and talk to someone about the payment they say the call will stop they continue. I understand I late on my payment and I always get it paid before the next on come s up and I run a company and unfortunately not everyone pays me when they should so it gets hard for me to pay my bills on time sometimes. I have also told the company that they cant call me during working hours XXXX XXXX to XXXX XXXX   weekday but the call continue. Today is the XXXX of XXXX and I have already revived 2 calls this morning before XXXX XXXX. This in my opinion is extreme harassment, if I ran my company like this I would not have any customers.
Consumer complaint received 2018-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Century Financial Services, Inc. (NJ)

I first received a letter saying I owed for a medical service with no date. When I wrote to them and told them I never dealt with this practice or had this service, the sent me another bill with a date of XX/XX/2018. I then wrote to them and told them this is not my debt, I had and have, health insurance during that time period and they have no record of me being billed by this company or that service. 
I have since had multiple phone calls from them as well as another bill dated XX/XX/2018 after I told them this is not my debt, stop contacting me. Each bill has a slightly different variation of this companys name.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I opened a checking account 2 weeks ago. I have been a member of USAA for 12 years, prior. A few days later, I transferred over my savings from an external bank account that I was closing out ( because I am moving to another city and they don't have regional branches ). My account was frozen after the deposit, and put " under review ''. A week later they unfroze my account, but will not let me withdraw my money or use my debit card. They have disabled the debit card they sent me. They will not send me a new one. 

Nobody I talk to in customer service can help me. Nobody knows why my account keeps getting frozen. I talked to an Executive Member Resolution team member, and she hanged up on me. She claimed to be a supervisor, but had no access to fix my account. 

USAA has frozen my account again! This is the second time in 2 weeks. USAA is now my only bank account. All of my money is in their checking account. 

I have not eaten in 2 days. I am afraid I will die due to lack of food. I have called their bank multiple times. The lower tier agents just tell me that the account is " under review '' and are unable to help. It has been under review for weeks. 

I am a XXXX veteran at risk of dying due to lack of food. I have not eaten in 2 days. I am afraid they will take my next payroll deposit, but not give me access to the funds. I am scared for my life. I can not change the payroll deposit because it's to late to reroute the money. I don't want to die.
Consumer complaint received 2019-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit was effected by capital one bank on Friday XX/XX/2019 around XXXX. This credit run was not authorized by me. As soon as I received notifications to my phone that my credit was ran from capital one bank, I immediately contacted capital one bank to get further information about why my credit was ran without my authorization. I was told that they do not have any information as to an application being submitted with my information. Two days later I received a document in the mail from capital one bank requesting more information to get an approval response for a line a credit that again I did not authorized. I attempted again to reach out to capital one bank, and this time I had an application number from the letter I received. I was directed to contact the credit bureau that was effected to see if I can get this dispute resolved, which referred me to the CFPB.
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery constantly calls my cellphone and when I've told them I don't know about the debt, then ask when this debt was and they reply from 13 years ago. Then they call my home number don't reveal who they are just leave messages to call back at a XXXX number. They constantly call me on my home phone and cellphone from different numbers, some XXXX numbers others from different state area codes
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went through a company called XXXX XXXX XXXX and I noticed on a Capital One account document it had my wife name on the document that I have sent to you XXXX. Please contact Capital One and have them remove it for once and for all. 
Thanks XXXX XXXX
Consumer complaint received 2023-03-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (CA)

On XX/XX/2019, I received an unsealed pre-selected offer of a PNC cash rewards visa credit card with the customer reservation on it and a deadline of XX/XX/2019. The offer came from PNC Bank, XXXX. XXXX XXXX XXXX, MI XXXX. Do you always send out your mails unsealed? Someone might use the reservation number or any information on the letter Please let me know what steps are taken so any information will not be used by someone else.
Consumer complaint received 2019-09-23
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 (MD)

I had opened a dispute with the company because of an item I received defective, I opened a dispute with American Express. I provided to them all the detail on the damaged goods and the tracking number to return the item back to the seller and they still couldn't resolve the dispute in my favor. For some XXXX reason, I have no ideas why my case would be denied. 

Inquiry number : XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

REMOVE / DELETE all CREDCO / XXXX XXXX ( XX/XX/XXXX / XX/XX/2023 ) XXXX XXXX XXXX XXXX  ( XX/XX/2023 ) Remove all of the LISTED INQUIRIES below. 

REMOVE NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX THIS ADDRESS IN PARTICULAR WAS NEVER AUTHORIZED/ NO AFFILIATION / NEVER USED OR SUBMITTED BY ME Remove non mailable address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MAILABLE ADDRESS are not permitted. 

I DID NOT AUTHORIZE OR CONSENT. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2018-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a dispute on my credit that I opened with XXXX several years ago and it is paid in full but still shows in dispute status. I need this dispute removed from my credit so that I can get a mortgage loan. It is a medical bill for {$90.00}. The collection was XXXX XXXX XXXX. Please see below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$90.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PAID COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX