davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (CA)

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 reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$8100.00}
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I've sent numerous personal update information letters to the three major credit reporting agencies to have inaccurate information removed to no success. Dates XX/XX/2021 XX/XX/2021 XXXX {$21.00} each transaction 2 transactions.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-15
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. (GA)

Today, I pulled my consumer reports and I have noticed once again that the consumer reporting agencies are not upholding their responsibilities by ensuring that my reports are at the maximum accuracy. My personal information has outdated addresses and incorrect names listed on there which need to be removed. There are multiple accounts where they have wrong open dates, reporting dates, credit limits, payment statuses, and etc. How can they keep saying that they are following their responsibilities under the FCRA but there are multiple inaccuracies on my consumer reports?
Consumer complaint received 2022-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 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.
Consumer complaint received 2020-11-06
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)

These 2 accounts are not mine. My brother had stolen my information and left me with the damages. Please remove it. I am not a mortgage company or a credit repair company. Please remove it. I have supplied you with my personal information. Thanks.
Consumer complaint received 2020-12-15
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: Professional Debt Mediation, Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailedXX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-04-10
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
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. (TN)

In XX/XX/2017, I requested a freeze on our credit report due to the hacking problem involving Experian 's data. I received an email on XX/XX/2017 providing our PIN number to use if we wanted to unfreeze our data for a set time or permanently. When I went to the site to fill out the request to unfreeze our data, I received a message that our PIN number was incorrect. I tried several times making sure that the number I received was correct but received the same message. 

I went to their site to see if there was a place to deal with PIN numbers and there is none. Nor is there in the Questions and Answers. I tried several numbers but only got automated recordings. When I finally reached an actual person, he gave me the number for Customer Service but when I called it, I received a message that it wasn't in use yet. There is no chat service or any number where you can talk to a person. The only way given was a lengthly process that involved mailing copies of ID card, social security card, public utilities bill. I would like to be able to contact a person to resolve this. This company controls a citizen 's ability to purchase certain items and needs to provide basic customer service.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XX/XX/2021 ), 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 a account without my written instructions
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

CEASE AND DESIST XXXX 's closed my open ended consumer line of credit on XX/XX/2022. This is considered aggravated adverse action and identity theft according to 15 USC 1691 ( d ) ( 6 ) and 18 USC 1028a. XXXX 's did not have my authorization to close my credit card, that was extension of my social security number 15 USC 1602L. I will be filing complaints to the FTC and reporting this fraud. 
I verify myself through the cfpb and let them know further communication will be sent through the cfpb and your reason or purpose of complaint is because youre being denied your consumer file pursuant to 15 usc 1681g.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/2021, I initiated a loan application with the Navy Federal Credit Union ( NFCU ). I have been a member with them for over 15 years and previously had a mortgage with them. I have never had a delinquent payment or problem with my checking accounts ( personal and business ). I was also on a joint account with my husband who recently passed away. There was never a delinquent or returned check with his accounts. 

I am XXXX XXXX XXXX, financially solid, and the Navy Federal Credit Union validated that my scores from all three bureaus is over XXXX. My application to the Navy Federal Credit Union is for a home in another state for {$340000.00}. I have over {$300000.00} in savings and investments. Additionally, my monthly income from my husbands retirement, social security, and my work is over {$4000.00} monthly. I can easily afford this new property and in fact, just received a contract on my current home valued at {$650000.00}. The equity in that purchase is over 50 % and this move is not for financial movements -- I feel the need to be closer to friends. NFCU knew from the beginning my projected closing date was XXXX XXXX. They have painfully drug out the process and constantly ask me for additional information, which I complied. The next stall tactic was underwriting was back up but would get to my application. In the interim, I put my house on the market and received a contract on XXXX XXXX with a closing date of XXXX XXXX. 

Today I received a call from the contact person stating that underwriting wants me to close on the other loan before they with approve mine! I am flabbergasted! The people selling the house to me are moving into a larger property and need an XXXX XXXX closing, which has always been the case. They actually asked me to have the people just extending the offer on my home to move up the date! Are they crazy -- these people have had less than a week to get their financial process in order, but they want them to flip on a dime to make them more comfortable with my loan! BTW, my loan terms are not that great at 4 %, but I believed I could get to closing faster than refinance later if I desired. 

I can not see any reason why I am being treated this shabbily and shamefully. I have an income stream, I have savings and investments, I will have additional funds when my house goes to closing. So far I have not been given any excuse as to why they will not approve my loan so I believe that is is my age and maybe gender. Financially, I believe my portfolio puts me at a higher level than most, yet they will have created a circumstance they know can not be met by the people with the contract extended on my home. And, they are jeopardizing the people with the house that I want to purchase due to their discrimination toward me.
Consumer complaint received 2021-10-22
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: Experian Information Solutions Inc. (MA)

these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Collection Professionals, Inc. (MN)

I have disputed this debt with another debt collections company and it was sold to a new company. This reporting on my credit report is violation of HIPPA and I never gave XXXX XXXX  my SSN or any of my personal information. They need to validate this debt and show me where I signed an agreement. Per the FCRA and HIPPA this needs to be removed. 

The debt collectors has also contacted me and I am on the the Do No Call registry. This is a violation of the TCPA and I will be charging them {$1500.00} for the violation. They can apply this amount to the debt and issue out any remaining balance to me. If they choose not to award me any funds I will file suit in court.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (NC)

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. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (NC)

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. 
US DEPT ED # XXXX has violated my rights. 
and US DEPT ED # XXXX has violated my rights. 
Reported Twice! 

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 a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.
Consumer complaint received 2022-08-26
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. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Speedee Cash Management (AR)

DEAR CONSUMER FINANCIAL PROECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUE WITH AND BUSINESS COMPANY GOES BY THE NAME OF SPEEDEE CASH INC SO ASLO I CAN PROVIDE MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUE IM HAVING SO ON DATE OF XX/XX/2019 OK I HAD CALL SPEEDEE XXXXASH STORE LOCATION IN XXXX MS AREA WHERE THE LOCAL STORE IN LOCATED AT AND WHEN I CALL AND SPOKE TOO THE CUSTOMER SERVICES AGENT OVER THE PHONE SO WHEN I 1ST CALL THEM I ASK THEM DO U HAVE TO HAVE GOOD CREDIT STORE WHEN I APPLY FOR INSTALLEMENT TYPE OF LOAN REQUEST SO ADVISE TOO ME THAT U DONT HAVE TO HAVE GOOD CREDIT RATING SCORE BUT I ASK THE BUSINESS COMPANY ABOUT THERE PRIVACY POLICY OF THERE BUSINESS PRACTICE SO I ASK THE CUSTOMER SERVICES AGENT CAN U APPLY FOR AND TYPE ON INSTALLMENT LOAN OVER THE PHONE SHE SAID NO U CANT APPLY OVER THE PHONE U HAVE TOO COME IN PERSONAL IN APPLY AND THATS WHAT I DID SO WHEN I GOT THERE IN PERSONAL THE CUSTOMER SERVICES AGENT HAD ME XXXX AND CONSUMER CUSTOMER TOO FILLED OUT LOAN APPLICATION AND ONCE THEY TOOK MY APPLICATION IN PERSONALLY SO THEN ADVISE TOO ME THAT I WAS DENIED OF LOAN INSTALLEMENT REQUEST SO THEN SHE ASK ME HOW MUCH I WANT TO BORROW I TOLD HER I WANT TO APPLY FOR LOAN REQUEST OF {$1000.00} DOLLARS AND AFTER THEY RUN MY CREDIT SHE THEN ADVISE TOO ME THAT I DIDNT HAVE ENOUGH OF CREDIT HISTORT TOO APPLY FOR NEW LOAN RQUEST SO I FILL LIKE THE BUSINESS VIOLATED MY PRIVACY RIGHT BECAUSE I ASK THEM THE CUTOMER SERVICES AGENT OVER THE PHONE WHAT TYPE OF DOCUMENTS U HAD TOO HAVE BEFORE I GET AND FAMILY MEMBER TO BRING ME OVER TOO THE LOCAL STORE IN XXXX MS AREA SO I HAD TO PAYMENT FAMILY {$40.00} DOLLARS ROUND TRIP FAIR EVEN KNOW I DIDNT GET APPROVED FOR NEW INSTALLEMENT TYPE OF LOAN REQUEST SO AFTER THEY DENIED ME I CALL THERE CORPORATE OFFICE AND I WAS NOT ABLE TOO GET IN TOUCH CONTACT WITH ANYONE SO I TRIED CALLING CORPORATE OFFICE SEVERAL TIMES NO RESPOND SO THIS IS AND ONGOING PROBLEM I HAVE WITH FINANCE DELAY NEED SERVICES SO ASLO I HAD AND COPY PULL OF MY CREDIT REPORT BEFORE I ALLWAYS APPLY FOR NEW LOAN REQUEST
Consumer complaint received 2019-03-25
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. (KY)

On XX/XX/2019 I attempted by phone and online to get EXPERIAN to remove an Alert placed under the new law. The alert was placed incorrectly and I never received text or emails of its existence. Was denied electrical service in XXXX Tn because of alert unless my wife and I came to office with proof ( social security card ) in person.. EXPERIAN has call center with individuals who can not communicate .No way to get Alert off except by mail appears to violate laws required QUICKNESS. I never asked for alert from them and had no idea it existed.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX   HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$29000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.