davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized!
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation (GA)

A company called Albert sent me a debit card. I did not ask for the debit card, nor did I open an account with a company called Albert. 
My name is printed on the card. Also printed on the card is an account number. I have no knowledge of the account number, do not recognize the account number, and as already stated, have no knowledge of ca company called Albert. 
Printed in extraordinarily tiny print on the back of card is the following " Issued by XXXX Bank pursuant to a license by XXXX XXXX. '' I have no knowledge of a bank called XXXX Bank, nor have I ever opened or even applied to open an account with XXXX Bank. 

I sent an e-mail to Albert stating that is sent me an " unwanted '' XXXX and asked that it immediately close the account. Albert responded a few hours later that it would close the account. I also asked the following questions. 

1. What date was the account opened? 
2. How was account was opened? Did the identity thief affirmatively contact Albert or did Albert contact the individual who used my identity to open the account?

3. Does Albert have a social security number associated with my name and address?

4. What policies and procedures does Albert have in place to protect and permanently delete private information about me that it may have acquired from the identity thief?

Albert responded that I must file a police report, complete the FTC 's Fraud affidavit, and send a copy of my photo ID. 

Before I give Albert any information like a copy of my photo ID, I need to know that Albert is not a scam.
Consumer complaint received 2022-06-20
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: Penn Credit Corporation (CT)

Around XX/XX/XXXX I noticed that Penn Credit was reporting and unpaid bill to my credit report. 1/ {$650.00} and 2/ {$2900.00}. I would like these collections to be removed because these balances does not belong to me.
Consumer complaint received 2022-03-03
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. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.
Consumer complaint received 2023-06-13
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. (IA)

Attached is a letter I received from XXXX XXXX in regards to a data breach and my personal information being compromised by the data breach. The following hard inquiries currently listed and showing on my Experian and XXXX credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (PA)

I have disputed these accounts with the credit bureaus and First Federal Credit Control because they appear to be duplicate accounts. First Federal sent me nothing to validate the accounts, and continue to report the disputed accounts, both of which violate federal law. They are reporting duplicate information on my credit report and they are flagrantly ignoring my disputes! Please help me!
Consumer complaint received 2018-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

My Chapter XXXX ( originally a Chapter XXXX but later converted ) was discharged on XX/XX/2018 ( see attached Bankruptcy Court Order of Discharge ). I am still unable to view my student loan accounts online through Nelnet 's website. I keep getting a message saying because of the status of my account to call their customer service number. I have and they keep telling me their bankruptcy department is not going to do anything about it. 

If CFPB is unable to resolve this issue, I will file formal to the US Department of Education through my Congressman 's Office.
Consumer complaint received 2019-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX XXXX is my name my social security number is XXXX XXXX year of birth. Equifax refused to do my dispute over the phone the office of consumer affairs keep s telling  me to send in documents in order to do my dispute they also refused to give me information about my credit report
Consumer complaint received 2024-02-07
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. (AR)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 
It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 
I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00}.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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  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. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

I was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX ) in XXXX of 2021 saying they had a client who wanted to purchase my timeshare at XXXX, XXXX XXXX, XXXX. I agreed to sell. The broker then said the escrow company that they deal with would contact me. I was contacted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX IL XXXX ( XXXX ). They told me I needed to pay the transfer fee that the resort requested to do the paperwork. They said to wire the money to the company that they deal with in XXXX ( XXXX XXXXXXXX XXXX XXXX  XXXX ) who had a Citi bank account in New York. Once I had done that, then they said that since XXXX started taxing transfers, I needed to send money to cover the taxes. Then I was told I needed to submit the brokers fee. Then I was told that Citi wouldnt release the funds unless a penalty was paid because the trust account was past the original time frame. I refused to pay that fee and requested that the deal be cancelled. They are now saying that I need to pay {$4000.00} more to cancel before they will refund my money. I feel this is a scam that was done using Citi bank. I would love to have my funds returned to me if possible. I have the wire transfer instructions and documents that were sent to me from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXXand i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX  with XXXX and hoping i can move in my own place in my own name for once
Consumer complaint received 2020-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XXXX  data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The beginning of XX/XX/XXXX I reported to Capital1 that my card ending in XXXX had 2 fraudulent charges on it. They credited my card back the amount of fraud and canceled the card. They sent me out a new card ending in XXXX. I received and activated the card. I was notified that the vendors were reliable for said charges. About XX/XX/XXXX I received a credit report that my utilization was high on my Capital1 CC and that the balance was over {$1900.00}. I then proceeded to dispute the balance on XXXX website. It was mistakenly reported as fraud instead of incorrect balance. Capital1 canceled my CC ending in XXXX an stated that I would have to clear this up with the credit bureau before card being reinstated. On XX/XX/XXXX I started contacting XXXX   about the mistake that had been reported incorrect. They ( XXXX   ) informed me that it was a Capital1 issue not theres to correct. Over the next couple of weeks I called Capital1 n XXXX trying to resolve this issue. With both parties claiming that it was the other party responsibility of correcting this situation. On XX/XX/XXXX @ XXXX I was able to speak with a fraud specialist name Miss XXXX who agreed to participate in a 3 way call with Capital1.  We were able too speak with Capital1 supervisor Mr.XXXX  whom was informed of the 2 parties on the line and that this was on a recorded line. Miss XXXX spoke on the behalf of XXXX  and acknowledge that the CC ending in XXXX was mine and it had been reported in error as fraud.Mr  XXXX then informed us that he wouldnt be able too reinstate the card as previously mentioned by different agent. That it was being investigated by the back room! I asked what is the back room and who was the investigator? He couldnt provide with any additional information about the back room and he didnt know who was the investigator. I then stated to Mr XXXX that there was something fishy about what he told us and that I wouldnt be making another payment on Capitol1 CC XXXX until I was contacted by the investigator. I also asked Miss XXXX if she would save this recording for further use just in case this becomes a legal issue if they ( Capital1 ) start to attack my credit for nonpayment. On XX/XX/XXXX I received a letter informing me that my dispute had been closed and the accuracy of my account had been validated. I contacted Capitol on XX/XX/XXXX and spoke with account supervisor XXXX whom informed me that the account was closed and that I needed to reapply for another card! He also stated that I was still responsible for the charges on card ending in XXXX but I wouldnt be issued it back. I then stated to him that I would be in touch soon!
Consumer complaint received 2020-07-31
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: BARCLAYS BANK DELAWARE (MD)

I have a loan with XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-05-22
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. (FL)

To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (VA)

This agency is attempting to collect debt that is not owed. Our appointment to the practice was cancelled because the doctor was not available. We were told he had to attend an emergency surgery. A  nurse was present but she was informed that the appointment was with the doctor and we will need to reschedule. We request evidence of the visit and debt and the immediate removal of the derogatory remark from my credit report.