davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of id. theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lost my wallet a year back that resulted in me being a victim to identify theft.I contacted experian as well as XXXX  via letter XXXX XXXX. it is now XXXX  XXXX and i have yet to recieve a reply.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

XXXX, the original company, was paid in full when I left them for XXXX. They have send three other collection agencies about this and they've all backed off upon review of the evidence but they continue giving the account to additional agencies in order to destroy my credit.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC (AL)

I lost my debit card and had to use my checks until I received my new card. On XX/XX/2019 I was told that my check was declined by Certegy Payment Solutions, L.L.C. I called and requested information as to why. One week later I received a letter with reason number 4 risk factor which read as ( This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. ) Since I didn't fall under any of these categories I called Certegy for more information and was told that the only other reason they think my check was declined was because I've never written a check before at this place, so they assumed it was fraud even though I provide them with my license. And that I would still be considered as a RISK FACTOR. I do not for the life of think that this is fair, and as humiliating as this was I couldn't help but think I am labeled risk factor because I am XXXX American. How can I get Certegy to remove this negativity from my file so that if were my debit card again and try to write a check it will be accepted / not declined?
Consumer complaint received 2022-10-09
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)

I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. 2 of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX as well as XXXX and Experian all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX bank that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both XXXX and Experian report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

I HAVE MADE ARRANGEMENTS FOR HARDSHIP. THEY DEDUCT A CERTAIN AMOUNT OUT EVERY MONTH, AND THEY KEEP REPORTING ME LATE. ACCOUNT SHOWS DELINQUENT 90 DAYS NOW. EACH TIME THEY DO THAT MY SCORE GOES DOWN. I WAS TOLD THAT THE REPORTS WILL UPDATE WITHIN 3 MONTHS OF MAKING CONSISTENT PAYMENTS AND THAT HAS NOT HAPPENED. I HAVE CALLED MANY TIMES TO GET THIS RESOLVED AND THEY HAVE NOT FIXED. 

THEY NEED TO UPDATE REPORTS AND ACCOUNTS TO A CURRENT STATUS OR I WILL KEEP DISPUTING AND ALSO WRITE TO THEIR LOCAL NEWSPAPERS.
Consumer complaint received 2020-09-16
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: CORELOGIC INC (TX)

ftc showing that I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PARK XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date XXXX Details under dispute icon Currently Under Dispute show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$170.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$510.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$210.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$7800.00} Date XXXX
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Following fraudulent activity on my HSBC Premier Mastercard, HSBC has recovered the amount from XXXX ( from which the fraudulent charges originated ), but has applied late fees, penalties and interest. Following a phone call with customer service, HSBC has confirmed they would credit them back and that the balance would be purged back to XXXX. However, days later a notice of late payment was sent to my home urging me to pay back the amount outstanding. Not only is this fraud, but following this I tried to call customer service again and have been unable to reach any other department than the collections department and any messages I have sent through my online account have been automatically replied to urging me to contact the collections department. The collections department 's bullying tactic involves questioning to obtain as much information as possible, refusing initially to transfer me to the fraud department, and once transferred I was first dropped to the main standard again, which reminds you of the balance outstanding and only gives you the option of making a payment. After calling the collections department again, I asked to be immediately transferred to the fraud department, and was put on hold for an hour while I had just been transferred within a minute hold and dropped 10 minutes earlier.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Representatives from XXXX, XXXX XXXX XXXX ( XXXX ) have repeatedly called my phone. When I called them back, agents ( XXXX XXXX and XXXX XXXX ) repeatedly hung up on me when I attempted to get verification of the debt owed and talked over me when I sought information about the debt, and only wanted to collect payment information without proper debt validation/verification. Each agent hung up on me when asked about debt verification and/or to connect me to their legal department or a supervisor. XXXX, XXXX XXXX XXXX ' agents stated that a chapter XXXX discharged debt was STILL owed even after I informed them that the debt was discharged in federal bankruptcy court in XX/XX/XXXX. They then threatened me with a lawsuit if I attempted to collect any further information from them and threatened that without agreeing to pay for the debt today ( on XX/XX/XXXX ) they would send over the false documents of a debt owed to XXXX Bank for " over draft fees '' in the amount of {$940.00} to the federal credit bureaus. I provided my attorney 's contact information to agent XXXX XXXX who was extremely rude & nasty. This collection agency harraseed me and verbally threatened to ruin my tediously rebuilt credit over a debt discharged in XXXX.
Consumer complaint received 2018-07-01
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)

Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.
Consumer complaint received 2022-02-07
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. (MI)

I sent this credit bureau XXXX rounds of dispute letters asking that they fully verify XXXX collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

Back in XXXX 2021, i applied for a new CITI checking account because they sent me an advertisement on my app as i have 2 credit cards with them. I deposited $ XXXX and i was suppose to get {$400.00} bonus in 90 days. It's now been 6 months and no bonus. I called for the last 3 months and they validated that the bonus was coming and that i met all the qualifications. On XX/XX/XXXX i filed a dispute to which they now say i didnt qualify. I am so frustrated with this company.
Consumer complaint received 2021-10-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory on XXXX. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

Westlake has violated by invading privacy on alleged obligation XX/XX/22 left a letter for occupants not verifying abode, violated telephone consumer protection act, threatening and abusive tactics against consumer, calling XXXX or 4 times DAILY.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

On XX/XX/22 I contacted XXXX, XXXX, And Experian Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Today, XX/XX/19, I set about freezing my credit report. I had no problem with XXXX or XXXX XXXX. When I attempted to freeze my report with Equifax, I am one of their victims, I was asked a series of questions regarding some distant credit accounts that are no longer active. I answered incorrectly somewhere in the process so they will not freeze my report. They will not give me a report because I can't tell them what is on it. So I can't freeze, mean while the others worked with me to get it done. The person on the phone then told me I would have to send a hard copy of my social security card to them. I can't believe they are even allowed to request this. I want Equifax to remove me from all of their files and leave my personal life alone. I want nothing more to do with them. They are the incompetents who allowed my information to be stolen. They are heavy handed thugs who control my information for their profit. They will not allow me to protect myself because I can not meet their self imposed criteria.
Consumer complaint received 2022-12-02
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)

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  
FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX
Consumer complaint received 2022-12-02
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)

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 77598 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

My personal email was fraudulently used to open an account with Paypal. 

Since XXXX, I have been receiving email notifications from Paypal to my personal email XXXX with regards to an account with that email. I do not have a paypal account with the email address ; XXXX. I did not open a paypal account with this particular email address. I also receive notifications that a login has occurred in Kansas, US - I am in XXXX XXXX, CA. 

On several occasions, I have attempted to login to paypal with my email ; XXXX since this is my email and I do not want it associated with Paypal. However, the login process prompts me to receive a code to a mobile number I do not recognize. 

I have emailed Paypal at XXXX & XXXX several times since XXXX to attempt a resolution. Paypal has never responded to me. 

Today ( XX/XX/XXXX ) I called Paypal and I was on the phone for 30 minutes with no resolution. A representative initially said Paypal had not received any emails from me to request the account be removed. Then later on the same call, a manager I spoke to said they had the email but I had to send it in a different format. Paypal is making me jump through hoops for an account I did not open. Paypal should be completing its due diligence and have people verify the emails they are attempting to have associated with the paypal account before being allowed to use the email. 

Paypal needs to remove my email address ; XXXX from any accounts in their system immediately.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Firstly, you need to add a new section for complaints about scores changing or going down when there is nothing that changed. 

Transunion reduced my score by 11 points and I quote " we saw no changes to your credit report ''????????? 

I have paid off credit cards and my score has gone down I have paid cards to XXXX from {$1000.00} - {$2000.00} and get 2-5 points, but let my balance go up on a card from $ XXXX {$100.00} and my score drops 60 points. 

I will keep sending these complaints until someone listens to them.
Consumer complaint received 2018-07-02
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)

There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had XXXX account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX