davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-10-11
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-08
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

I spoke to a XXXX ( XXXX  XXXX ) representative in XXXX of 2021 and requested a quote only for TV and internet services. I specifically stated that I did not wish to engage those services. 

However, a few weeks later a box of equipment ( which still sits unopened ) arrived followed shortly by bills for cable TV service. I immediately contacted XXXX but was unable to connect to anyone that could correct the problem. On two subsequent occasions I called XXXX, each time waited on hold for over thirty minutes, never able to inform XXXX that they had made a mistake. Further, neither the bills or the XXXX website has an email address that I could write to inform them of their mistake. 

{$520.00} of charges for services and fees have been sent to Amsher collection from XXXX XXXX ( XXXX XXXX ) which now appears as a collection on my credit report. These charges are fraudulent, because I never requested those services and never received those services.
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX/Personal XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-07
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: CITIBANK, N.A. (MA)

To Whom It May Concern : My name is XXXX XXXX ( DOB : XX/XX/XXXX SSN # XXXX ). As of XX/XX/XXXX last monthI reviewed my credit report and noticed a Citibank credit card account unauthorized me. This account is listed as an authorized user in my name which I have absolutely no knowledge of!! I've contacted Citibank several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Citi card ( XXXX ) that was opened onXX/XX/XXXX. I was only XXXX XXXX XXXX. This card has caused horrific problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action
Consumer complaint received 2021-05-07
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 have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT
Consumer complaint received 2018-02-27
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. (AL)

To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  .... Account # XXXX Account Name XXXX XXXX  .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (GA)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute of Fraudulent Debt Claim - Account for XXXX XXXX XXXX XXXX XXXX, Assigned Agency : Consumer Adjustment Company , Account Number : NOT LISTED Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX, and currently managed by your agency, Consumer Adjustment Company . According to the record, this account was assigned to your agency on XX/XX/XXXX, with a reported balance due of {$280.00}, an increase from the original amount of {$200.00}. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. 
Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : 1. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXX XXXX XXXX XXXX XXXX. 
2. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase. 
3. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor. 
4. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (GA)

ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

Guaranteed Rate denied a loan application to finance the purchase of a condo unit. 

The denial letter stated XXXX reasons for denial without giving any more details : A. Inadequate Collateral Unacceptable Property B. Inadequate Collateral Insufficient Data - Property The denial letter did not provide any LOX or options for reconsideration. 

Guaranteed Rate stated in an email that the property appraised at the purchase price. How can the collateral be inadequate when the condo unit has already appraised for the purchase price? 

When probed further, Guaranteed Rate stated they required the insurer of the condo building 's master insurance policy to provide their Replacement Cost Calculator. The insurer pointed out that the loan is for the purchase of one unit in the building. The building does have master insurance policy and it was provided to the lender. 
Can a lender require the association 's insurer to provide Replacement Cost Calculator as a precondition to approve the loan?
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I applied for a Citi XXXX XXXX application ID XXXX was not approved because they couldn't verify some information. I called Citibank to verify what ever the problem is. No one was able to tell me anything and continue to past me from departments to departments until I was disconnected. I do believe I have been discriminated against.
Consumer complaint received 2021-03-31
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)

I transferred a balance from XXXX active credit account to another active account to take advantage of a 0 % APR promotion on balance transfer in mid XXXX balance amount {$4000.00} from XXXX XXXX to XXXX XXXX. The balance was transferred successfully and my new XXXX score dropped XXXX points. Upon further investigation my account XXXX XXXX XXXX that had the balance transferred was incorrectly displayed due to the statement balance being generated on XX/XX/21. This occurred XX/XX/21. I have since filed XXXX disputes with the credit bureaus and spoken to a representative at XXXX. I was informed that while I had not done anything wrong there was nothing I can do to regain my original credit score and that the points might be reinstated in the future. I am planning on purchasing a vehicle soon, and was in the market for a new credit card, and my borrowing opportunities have been severely limited due to a mistake in reporting that apparently can not be resolved. I was even informed that while this is not fair the credit score benefits the lender more then anyone else, and I had no options. This is absolutely unacceptable and I request that something be done to rectify the situation. My biggest mistake was utilizing the resources that I had available to avoid any sort of interest payment by intelligently transferring my balance to a non-interest accruing location. It does not seem right or fair that I am now suffering consequences for being pro-active with my finances. I have attached screenshots showing my XXXX account at {$0.00} balance as well as a statement from XXXX. I also attached screenshots showing my XXXX XXXX taking a XXXX point plunge, and only rebounding by XXXX points.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX wrote Experian by certified mail by signature confirm. No response. Requested inquiries to be removed due to fraud and not having my consent. The inquiries are listed with the names and dates. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (FL)

And XX/XX/2019 I deposited {$29000.00} into SunTrust bank account. SunTrust was not able to give me the lawful money from open account as requested. I was not giving full disclosure of, it came to my attention sun trust fractionalized money is in my account, I never consented to loans to customers are fractionalization of my money.
Consumer complaint received 2017-12-21
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. (MA)

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, Experian, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-21
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. (MA)

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No.  XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with Equifax, XXXX, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

i was incarcerated XX/XX/XXXX and was unable to make payments to my credit card lenders. i was released XX/XX/XXXX. 

during this time my mother was able to make some payments after obtaining a legal power of attorney.