davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (CO)

XXXX XXXX XXXX failed to provide the service that they claimed. Not only did my teeth not get corrected as promised, but they also ruined the alignment of my bite so I have jaw pain. I tried to rectify the situation by asking for a new evaluation and another set of aligners or to have my money refunded so that I could go to a real orthodontist. CSRs play games and send you in circles until you give up. I do not owe this debt because I did not receive the service solicited. I stopped payment on the product and not until XX/XX/XXXX did I hear from anyone saying that they were claiming a collection against me. I immediately responded by email and they again gave me no resolution and turned the collection in to the credit reporting agencies ... just as I am building a house. My credit score has dropped over 100 points ... to a score disqualifying me from the loan commitment due in two weeks ; to buy my custom new construction home. Neither smile direct club or the collection agency will resolve this injustice. XXXX XXXX XXXX needs to be legally stopped!!!! It is fraud and causing terrible effects on thousands of people! I don't know what to do but this is an emergency!!! 
Please help me! 
XXXX XXXX XXXX XXXX Colorado resident
Consumer complaint received 2021-06-11
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: Mr. Cooper Group Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-04-06
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my Experian score shows XXXX, but the XXXX XXXX XXXX received a score of XXXX from Experian. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and XXXX XXXX XXXX I was denied a mortgage of which I clearly qualified for prior to the report they received.
Consumer complaint received 2019-10-09
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: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : Pentagon FCU # XXXX XXXX/XXXX ( XXXX )
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (MS)

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a negative thing on my credit report that I never knew about. It was from Bank of America. Its appearing as a charge off of XXXX $ and I never received any notices of needing to pay this. It says the last time I paid this was XX/XX/2017. I didnt know about this and I wouldve paid it if I ever received a notice. Please send me a bill and remove from my credit report.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 

XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

XXXX  transunion XXXX
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of id thief due to XXXX XXXX data breach, since then I have noticed multiple accounts pop up on my credit report that I did not authorize. I have submitted my ftc report to the credit bureaus multiple times. XXXX   XXXX  XXXX  also has a copy of this ftc report however it being reported negatively on my credit report and I would like this inaccurate information removed from my report stat
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

I owed US Bank approximately {$600.00} on a closed account and approximately {$820.00} on another closed account. On XX/XX/21 I paid both these amounts in full over the phone, I used my current XXXX XXXX XXXX account. In the next few days they charged me twice on each amount leaving me with no money for rent, when I called they said it was my fault and I over paid, this was not true I only paid once while on the phone with them. They said my return could take weeks but they would issue me a check. Then I find out my wife 's account was charged {$600.00} as well, this means her money was stolen by US Bank, she filed a complaint with her Credit Union and said this was fraudulent because it is. That means they charged {$600.00} three times instead of once. Please help us. US Bank stole thousands from us leaving us with no money for Rent or food. The total they stole was {$2000.00}.
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I keep getting calls from portfolio recovery for a debt that was paid off. They said they purchased the debt from XXXX. I can't get my statements because I changed banks and its been a hassle. I want to solve this asap because they are now messing up my credit which isn't right. They want me to pay $ 3,000+. I won't do that when I know I paid of my item, I would like to pay {$1500.00} and get the derogatory mark off my credit reports as well the following are : XXXX XXXX. and XXXX.
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (IL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have check my credit report it now shows my credit has drop by 71 POINTS!! and the only changes are XXXX XXXX  Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, XXXX XXXX : Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, THESE two disputes have decrease my score, I can NOT win with your company it seems as when I dispute these accounts I'm being hurt because of it, my credit score should NOT be affected due to opening two disputes again, Please correct and fix this error done by company.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

A Chime account was opened using my information without my consent. I received an email from Chime on XX/XX/XXXX and an additional email on the XXXX saying they were sending out a debit card. I called them to close the account but they had all my real information on the account.
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

I demand that the following account be verified or removed immediately : Collections : PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IA)

Made a legitimate substantial {$12000.00} electronic transfer payment towards reinstatement on XX/XX/XXXX of which they received on XX/XX/XXXX. Mortgage Service Company held and returned the payment on XX/XX/XXXX where the bank it was returned to will take 3-5 business days to process the payment back into my account. The loan servicing company is insisting on a wire transfer method of payment, which I refuse to use due to too much fraudulent activity, as that is the preferred method of scammers. Now based on the method of waiting, I now will have to pay a much higher amount after the XX/XX/XXXX. The Sevicing company is OCWEN Loan Servicing.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

We have contacted collections multiple times in order to validate the account that is negatively impacting my credit score. Despite our efforts, we have not received any response from them, and as a result, I intend to lodge a complaint.
Consumer complaint received 2019-04-17
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. (TX)

From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and XXXX lifted my freeze alerts without my authorization. XXXX, XXXX, and XXXX also did this in XXXX and XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. 
What protection does the average citizen have with these three credit bureaus? 
How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? 
It seems that our government has allowed XXXX, XXXX, and XXXX to have cache blanche to do what they want without the consumers having any protection from them.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX  XXXX XXXX/2022 XXXX-XXXX XXXX XXXXXXXX/2022 XXXX XXXX XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XX/XX/2022 XXXX  XXXX XXXX  XXXX  XXXX/2022 XXXX  XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX2022
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CO)

The following collection item showed up on my credit report in XX/XX/2019 : MRS BPO # : XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Responsibility : Individual Account DateUpdated : XX/XX/2019 Original Amount : {$100.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< I have no idea what this is for. I do not do any business with XXXX. I disputed this account with XXXX  and XXXX. XXXX removed the item from my credit report but XXXX  returned results of 'VERIFIED AS ACCURATE '. This is NOT correct. I do not have any business dealings with XXXX  or MRS BPO and therefore this item should NOT be listed on my credit report.
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

This is my 3rd attempt to rectify this situation. I have provided proof that these accounts are fraud. I have attached below a document that sent to me from XXXX XXXX XXXX   proving that the account I had with them was fraud. I have also provided proof that the other accounts are fraud. Please review all documentation attached below.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LCS FINANCIAL SERVICES CORPORATION (CA)

I was out of the country for XXXX years prior to that I was also XXXX overseas XXXX / XXXX. upon my return I found my identity was stolen. I hope I can get my life back as soon as possible please Sincerely XXXX XXXX XXXX XXXX