davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2021-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX & TransUnion from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under XXXX & TransUnion. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Consumer complaint received 2018-04-16
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. (GA)

My XXXX XXXX Credit cards are not populating on my XXXX  credit report. I have collection items that are paid but are still showing on my report.
Consumer complaint received 2021-09-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (VA)

Company name : JFQ Lending Dates : XX/XX/2021 and several more before this Amount : {$2200.00} of " Available Funds '' History : We've recently purchased a home with mortgage loan from another company. Never have we contacted " JFQ Lending '' before. 

XX/XX/2021 : called company to stop sending false statement in order to refinance with them.
Consumer complaint received 2019-03-20
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: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX bill was paid in XXXX, 29 days, 1 day before 30 day late period. 
AMX added a {$40.00} late fee to the same period making the account past due 30 days late. 

I argued fee should have gone to the next statement, which is the cause off the delinquency. Having been on time with the same company for 28 years since XXXX, On XX/XX/XXXX the deliquency was removed correcting their error.

Than on XX/XX/XXXX they reinstated the 30 day late delinquency for no reason. 
Now I have a credit file that is ruined with up and down scores between XX/XX/XXXX and XX/XX/XXXX replicating an irresponsible debtor which is farther from the truth. 

American Express has single handedly ruined my credit-worthiness over {$40.00} by fraudently reporting late after it was corrected.
Consumer complaint received 2019-03-20
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. (GA)

I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

We applied for a mortgage with 21st. mortgage and they would only give us a term on 18 years. And when I asked why, the man said because of your husbands age. He is XXXX years old. I work at a XXXX and we have compliance training every year and to me that is age discrimination. I have heard from our builder that they have had this trouble with them before. I just think someone should hear about this. When I asked the man to put that statement in writing he stopped talking to me.
Consumer complaint received 2018-10-15
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2022-10-18
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. (KS)

XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts XXXX XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Received a response letter dated XX/XX/18 back from Equifax, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank overdraft policy " it's up to the discretion of the bank '' that is the explanation given by someone in the chairman 's office. This makes it impossible for the average person to understand when an overdraft will occur. In the past six months I was overstaffed even when I opted out of the program Credit card payments made within 30 seconds of each other one was paid one was initially paid but returned 2 days later. 
Money spent on games can be denied but after an hour allowed Bank charges {$6.00} per day while account is overdrafted Several Payments made have been charged overdraft fee and a returned payment fee when they are retroactively returned Payment types can be denied one month allowed the next month Scheduled payments like newspaper subscription always allowed. 
The overdraft policy of " it's up to the discretion of the bank '' means the rules are fluid and not predictable. My XXXX makes me impulsive and the fluid rules make it harder to manage money. The end result is the bank collects hundreds of dollars each month. I haven't changed banks because I was trying to solve problems as a customer but with overdraft occurring even when i opt out of program I have no choice but to find another bank of keep money under mattress. Clearly the fluid rules that change from month to month make it impossible to manage overdraft and the daily overdraft account feed only add to the banks take from my pension.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MS)

Received a phone call from " XXXX '' with diversified Consultants asking me to pay a XXXX bill of over {$1000.00} that went delinquent last year. I informed him that I haven't had XXXX for 7-8 years and he hung up on me.

I then called back and was told that since I said tat they had a wrong number they won't be calling back. I stated that if there were an account in my name I wanted to know where it was located and they then asked for the address. I said that I wasn't providing that information and wanted to speak to a manager.

I was then placed on hold and " XXXX '' ( a different voice ) said that he was the supervisor and that sine i wouldn't provide an address and had told them they had a wrong number they would put me on a do not call list. I expressed several times that i wanted the address and was told that since I stated they had a wrong number they would be providing me someone else 's information and they weren't going to do that.
Consumer complaint received 2023-04-07
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2022-05-03
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: Experian Information Solutions Inc. (TX)

ADDENDUM TO XXXX : XX/XX/2022 -- Still had a problem with logging directly into my account. I finally was able to get into my account by using XXXX email as an option to log in. When I got into my account, I immediately tried to change my password in my Profile, but the Experian website would not allow me to edit and create the new and correct information for my password. Not only this, but I also noticed that there was incorrect information on my credit report. I recently paid off one of my accounts in full on XX/XX/2022, but the information on my credit report in " Alerts '' instead reported a " higher credit usage of 32.4 % '' instead of a " credit decrease '', on XX/XX/2022. ( I had also previously called XXXX, XXXX XXXX, for this paid off credit card and asked " why '' this was reported to Experian in this manner, and the XXXX representative XXXX XXXX, XXXX me that this information had not been reported by XXXX XXXX and instead, to immediately contact Experian as Experian had placed this on my report ). I logged off. 
I then called Experian at XXXX again for the 6th time to report these two incidences. I spoke to Experian Representative, XXXX, who checked on the incorrect information in my credit report and said that she would submit this to the membership Department as a dispute and informed me that it would probably take at least 30 days to see the corrected information. XXXX then transferred me to XXXX, another Experian Representative, to help me with my login information. Although she tried, her instructions did not really help. But So DID give me the technical troubleshooting email which was previously denied in my first submitted complaint : XXXX. I hung up with XXXX  and tried again on my own to directly log into my Experian account, not doing anything differently, I was finally able to get in, create and set a new password. I then tested my username and password by logging out and logging in again to make sure that it worked. It did. I am now waiting to see if Experian will correct the incorrect information submitted. I would also like to know WHO reported the incorrect XX/XX/XXXX information and the process for reporting information to Experian, because, if Experian is allowed to just place incorrect information on a consumer 's credit report or a creditor such as XXXX, is allowed to report incorrect information, this behavior can strongly hurt and not help the consumer.
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

In early XX/XX/2022 I received a CashApp debit card in the mail for an account I did not open. This marks the THIRD time CashApp has allowed identity thieves to open an account in my name ( see complaint XXXX for details on the first two ). 

Aside from CashApp 's XXXX customer support taking way too long to resolve the issue - that is not the main purpose of this complaint - I have asked CashApp to block any further attempts to open accounts in my name and they have refused. 

I have assured them that I will not voluntarily open any accounts myself, and any further accounts opened with my identity will be fraudulent. In spite of this they insist they can not/ will not block anything. This means if they allow my identity to be used again, they will be knowing accessories to identity theft. 

To summarize - my complaint is that CashApp, BY POLICY and BY EFFECT of their slow, ineffectual customer service, is allowing identity theft to run amok on their platform. This should warrant further investigation from regulatory agencies. 

Whether their refusal to block my identity is due to policy or technical limitations, these CAN and SHOULD be addressed so that identity theft victims like me can get relief from further abuse through their services.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2021-10-12
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. (IL)

XXXX XXXX XXXX is reporting a fraudulent account on my credit report. I have contacted them multiple times and I also contact TransUnion to remove it but they have keep this account that is preventing me from obtaining necessary financing.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (OR)

On XX/XX/XXXX I went to my bank ( Key Bank ) and ask them to E.T.F. {$550.00} from my checking account to my landlords bank account ( XXXX XXXX ). My landlord provided my bank with her account information but XXXX XXXX the Relationship Manager for Key Bank wrote the account number down missing one number so he sent a check out onXX/XX/XXXX. To date the money was taken out of my account but the landlord or her bank has ever seen this check. On XX/XX/XXXX my landlord, her bank ( XXXX ), myself, my bank ( Key Bank ) all got together to find out why this money was not deposited into my landlords account and it was discovered that XXXX XXXX errored in writing down my landlords account number and that a check was sent out but no one knows where it is now. I went to my bank and personally talked to the bank manager and explained the problems this was causing me late fees on my rent damage to my credit and that I am now in jeperdy of getting a eviction notice. The bank manager said he personally would cancel the check and credit my account that day so I could withdraw the money to pay my rent but to date that has not happened. Additionally, when I first opened the checking account I got on line and received a promotional code for {$200.00} for opening the checking account with Key Bank and was told I would have to go to a key Bank branch office to open the account because they needed to see my I.D . card and social security card XXXX said his computer was down that day so he went into the bank manager office to record the promo number so he could take care of it latter. Latter never came and when I questioned him about it he said he couldn't find it and left it at that. I'd like to get that promo reward
Consumer complaint received 2023-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

I'm using Mohela for XXXX XXXX XXXX XXXX and they sent a letter that there are issues with my application and that I should contact them ; however their phone number is only an automated system with no way to talk to a human. I've looked on the internet and it seems that there is no way to talk with a human about our loan applications through Mohela. Because of deadlines and the importance of borrowers who work in public service getting our loans forgiven in a timely manner, as the ONLY servicer of PSLF loans, Mohela should have a ROBUST customer service department!
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, the consumer, have notified as communicated to the company XXXX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to CAPITAL ONE ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on Capital One for sending in the documentation to the XXXX reporting company. I am sending this complaint because the XXXX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I receive XXXX calls A day from XXXX. I shut my card off and have canceled my accounts because I am currently not working and can not pay. I let them know this and told them as soon as I receive financial stability I would pay the bill. They continue to call. I asked them not to call me anymore that I would contact them as soon as I could make a payment. They continue to call. Aggressively at that. I just received a call and I let them know again please stop calling. They then refused and continued to ask me for info and payment. I asked several times for her to not call. She refused. I hung up on her and she proceeded to send me a text message. This is crazy! They were the ones who put me in debt in the first place by over drafting m account by {$7.00} dollars for identity protection then charged me {$30.00} for the over draft. Then proceeded to charge me after I was told several times it would be taken off. I now have. {$400.00} bill with them just in over draft charges that they initiated.