davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (NC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate
Consumer complaint received 2021-05-25
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)

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX  BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX XXXX {$6700.00} XXXX BANK USA -Acct # XXXX OPened XX/XX/XXXX XXXX {$340.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3000.00}
Consumer complaint received 2021-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have these accounts that are not mine and i want thm to be remove from the 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-04
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. (MD)

I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXXXXXX XXXX  Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX XXXX XXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : Names to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to be removed : [ Include the list of addresses ] Social Security number to be removed : LAST XXXX XXXX ( Enclosed is a copy of my Social Security Card ) Phone numbers to be removed : XXXX XXXX Employers to be removed : XXXX Spouse or Co-Applicant to be removed : XXXX Pursuant to XXXX XXXX XXXX, I have identified unauthorized activities on my credit report and am requesting the appropriate measures be taken to block this fraudulent information. Starting 30 days from the date you receive this letter, I demand that you furnish the supporting documents and probable evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within this timeframe, federal law mandates the removal of the accounts from my consumer report without prejudice. 

Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ), Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any reinvestigation, any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete it. Additionally, under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of information resulting from identity theft. 

This action is essential for preventing further harm to my credit and financial standing. I kindly request your prompt attention to this matter and appreciate your assistance in resolving this identity theft issue. 

FTC Report, Police Report, Copy of Social Security Card, Name Change Documentation
Consumer complaint received 2021-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been sending in dispute letters for about 6 months requesting the company investigates as most account they have listed for me are not mine and/or accurate. I have requested validation and verification from them however they have yet to send me the requested documentation however have continued reporting such information to my file that is harming my ability to obtain credit and move forward in life.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MD)

A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THESE INQUIRIES ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This company have called and told family members about my debt that I owe and this is a violation with my privacy. They have called my job and did the same thing and this is no one else business but mine. They are in violation for doing this
Consumer complaint received 2021-05-26
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. (TX)

I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for purposes.
Consumer complaint received 2022-04-07
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: Colony Brands, Inc. (PA)

I have a revolving account with Swiss Colony. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, Swiss Colony pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for two items using my line of credit. Again Swiss Colony pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Credit Bureaus never did a proper investigation according to the FCRA. 

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. 

They did not do this. 

Also, they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the XXXX. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. TransUnion also re-aged my account. This is all grounds for removal.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX continued to bill me for services I was never able to use since I moved. They realized this and marked my account as having a XXXX balance and refunding me {$47.00}. They continued billing me on the old account and are now claiming I owe {$160.00} which I do not owe since I moved from that address and called multiple times to disconnect the service. Attached is a document showing their refund for my over payment since I moved. I repeatedly shared this information with Experian via their online dispute system but my submissions were not taken into account when my credit score and payment status were updated.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # 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 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-28
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. (FL)

Good evening, In accordance with fair credit reporting act convergent, account # XXXX, XXXX XXXX XXXX 
# XXXX, XXXX. XXXX XXXX. 
# XXXX XXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (PA)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AFFIRM INC Account Number : XXXX
Consumer complaint received 2021-05-26
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. (TX)

I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation (TX)

On XX/XX/2018, I received a call from an XXXX phone number that left a voicemail to call them back or they were going to send someone to serve me. I called the number back and spoke with XXXX XXXX, she verified my name and I asked who she was with and said she was with an attorney office. I asked if this was a government attorney office since it came up as an XXXX number and she said yes, so asked the name of the office and she told me XXXX XXXX XXXX. I advised her that I knew that is not an attorney 's office because I have filed a dispute with them for debt validation. She stated they were sending someone out to serve me with papers for a lawsuit. I advised her I knew it was illegal not only to represent herself falsely, but to threaten me with suit espically when I am disputing the claim, and I was going to file complaints with the State of Texas XXXX  XXXX and CFPB. She at which point said that was ok and asked if I would like to speak with a manager. I replied No. The same company also called my husband 's cell phone and left the same threatening voicemail for me. When my husband called back and spoke with an operator she stated they were sending someone our to serve XXXX XXXX with papers for lawsuit. He stated she can not call him regarding XXXX 's matters and hung up.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

Ive contacted Bank of the west for the last 2 months trying to get erroneous fees reversed on a dormant account that Bank of the West required I open in order to obtain a loan on my RV from them. 

I have called and spoken to the XXXX, CA branch manager only 1 time which took more than a dozen phone calls, her name is XXXX XXXX. She would not return any fees or close the account at my requests and has not provided another avenue to get this accomplished. 

I then called XXXX 's regional manager, XXXX XXXX at XXXX multiple times in the last month about the account that was opened and Ive wanted to close because the fees you are charging for it. Again, the loan department required I open it and said it would be free but they are charging a monthly fee. I dont want to pay for an account that is not needed. Ive asked for the charges to be reversed and the account closed because its not active. Both XXXX XXXX and XXXX XXXX at XXXX branch wont help me and I continue to be charged for an account I can not get closed.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AL)

Recently I check my consumer report and see that your company is reporting a credit card that been open in my name. I never gave your company or anyone else authorization to open up this account in my name. I see that it is another person name on the account. I do not know this person and know that this account was open fraudulently. I have tried to work with your company to get this resolve but your company is standing strongly that this account is accurate. I did not sign any document or give permission to have this person and company run my name through any systems. I have been harassed and threated by this company to take legal actions.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (PA)

The Credit Bureaus never did a proper " Investigation '' according to the FCRA.

The term " Investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted of why may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investaged but how is that possible if the open data is inaccurate, the date last active is inaccurate, abs date last reported is not accurate. This ground for removal. 

They also violated the law according to 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 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

I received a bill from XXXX XXXX XXXX ( XXXX ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my PayPal account. I called PayPal, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to disregard it. I have already filed a claim with the XXXX as well. There are hundreds of fraud/ phishing complaints about XXXX XXXX the internet, and I am curious if they are true.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MO)

I have a video of racial discrimination and anti trust. They also provided us another customers credit report and refused to give us our own report they pulled. Their reason for denial was them giving us XXXX XXXX report who has a XXXX credit score which I shouldnt know but XXXX XXXX and XXXX XXXX in conjunction are crooks.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WY)

We have been in the process of re-financing a loan with NewRez LLC since an initial application in XX/XX/2020. 
Numerous promises of immanent closing have been received beginning with the receipt of the Initial Disclosure Package dated XX/XX/2020. 
Because of the delay on closing from NewRez, the entire ( or portions thereof ) package of financial documents have needed updating several times, XX/XX/2020, XX/XX/2020, XX/XX/2020. 
There have been multiple inquiries from our end into the status of the process and most have not been responded to and when there is a response it is that the process is near an end. However, nothing other than requests for updated financial documents and more promises are received. 
We consider that there is easily ample financial backing to complete the process and see no reason for the continued delay. In addition considerable financial harm has been incurred because of excess interest paid on the current loan and loss of revenue from a premature sale of other investments. Total financial loss to date is approaching {$28000.00}. 
In summary : 1 ) NewRez has not made a timely credit decision.

2 ) NewRez has not provided any communication about any credit weaknesses that have caused the continued delay in processing or closing.

3 ) The delay by NewRez has caused financial harm due to the ongoing delays including added interest expense on the loan and lost income on investments.

4 ) Requests to have this situation resolved internally multiple times by email, mail and phone calls including requests to file formal internal complaints have all been ignored.