davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and homeless with XXXX kids.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service (TX)

Made a purchase with retailer and they didn't deliver as agreed. The item was returned before delivery through the shipper. Item was returned and signed for. The retailer has failed to credit the card account after two calls. Giving an excuse of a manager needing to look it over and a three day process.
Consumer complaint received 2020-09-04
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: PRESTIGE FINANCIAL SERVICES INC (UT)

I went to XXXX XXXX XXXX XXXX on XX/XX/2020. I authorized for one credit pull. Without my consent, 2 financial institutions had pulled my credit, resulting in 3 hard inquiries on my credit report. I did NOT authorize the financial institutions to pull my credit.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques (CA)

I was sued by Hunt & Henriques on XX/XX/2019 for {$2400.00}. They have falsely reported to the court that I made payments on a XXXX XXXX Credit card within 3 years before XX/XX/2019. I never received any proof that this debt is even valid. I was told by my lawyer that the debt hasn't had any payments made on in it in over 4 years which in California, the debt is considered 'Time Barred ' and over the Statue of Limitations to collect on. I was sued anyways despite the debt collectors knowledge of this. XXXX XXXX is the name of the attorney representing Hunt & Henriques. She has sent me very minimal information on the court case with zero proof that the case is within the Statue of  Limitations. She is just hoping to get a default judgement against me.
Consumer complaint received 2023-01-30
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. (NC)

I reviewed my consumer report and noticed that Experian unlawfully reported an unauthorized account ( XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Experian put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Experian that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Experian is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.
Consumer complaint received 2020-06-04
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. (TN)

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX Experian 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 Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of Ed/XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : 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 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.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2021-07-08
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. (IL)

I received a text message from XXXX on XX/XX/XXXX that stated : EQUIFAX REPORT - Your scores went down 43 point on XX/XX/XXXX. Review and confirm/ dispute by, XX/XX/XXXX. Reply with XXXX for more info, I did not respond. A few days later I received a false unemployment claim that has already been reported as fraud today via XXXX. 

I tried calling the number and it kept ringing
Consumer complaint received 2020-06-04
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

*I am a Victim of Fraud/identity theft *Accounts were open under my name, I have been able to dispute some and some have been deleted by the actual creditor. ( one of them being XXXX ) XXXX XXXX XXXX : {$860.00} Date Open XX/XX/XXXX ( never opened an account with this company ( XXXX Has deleted this account, but XXXX and XXXX have not ) XXXX {$600.00} Date Open XX/XX/XXXX I have sent a 1099-c to the credit Bureau and nothing has been resolved XXXX this account was open XX/XX/XXXX this account is not mine but I PAID FOR DELETION and still shows ( XXXX and XXXX show I have an available balance of {$600.00} and {$1000.00} with {$0.00} balance but at the sametime it show a neg derogatory XXXX XXXX a copy of a letter has been sent from XXXX stating I was never late yet still shows I missed 1 payment on XXXX of XXXX LVNV FUNDING LLC open as identity theft XXXX and XXXX have removed still on XXXX XXXX XXXX, XXXX open as identity theft XXXX and XXXX have removed still on XXXX Inquiries XXXX from XXXX and 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 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX XXXX  sent me a letter dated XX/XX/2021 indicating they sold an alleged debt to Portfolio Recovery Associates, LLC. I did not give XXXX XXXX  permission to sell my personal information to any natural person, individual or corporation. XXXX XXXX  is committing identity theft by selling my personal information without my consent. The alleged debt is disputed. I do not have a relationship or contract with Portfolio Recovery Associates, LLC.
Consumer complaint received 2021-09-04
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: FIRSTBANK (TX)

This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by FIRSTBANK. I have not been in a firstbank branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (LA)

I financed my car with Santander Consumer USA in XXXX of XX/XX/XXXX. I paid roughly {$15000.00} for it. After 2.5 years into the loan my payoff is {$14000.00}. I called for a payoff last year during this same time and it is still the same amount this time this year. Ive only been credited about {$900.00} into the principal after completing 27 payments. My interest rate is 27 %. So far Ive invested almost {$13000.00} into paying for my car and havent been credited {$1000.00} towards my loan.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

Have been trying to make a payment on my account since XXXX. Tried to make the payment online but my bank account had been unlinked. Try to link it again and kept receiving an error message. Had the same problem when I tried to make a payment in XXXX and had the same issue. Called customer service and tried to make the payment with them and it still did not work. The customer service rep documented that we could not make the payment. However it was still reported late on XXXX the XXXX. It was then reported late again on XX/XX/XXXX even though it wasnt 30 days.
Consumer complaint received 2021-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

Fedloan Servicing have not reported my monthly payments on to the Credit Bureau for the past several months. The government issued a forbearance on student loans, including public service forgiveness loans, which I have, due to the pandemic. I however requested that I be taken out of forbearance so that I can make monthly payments on my loans. I have been making regular monthly payments since XX/XX/2020 to present. In fact, my account is set to automatic payments. While the Credit Bureau reports that my student loan with FedLoans are out of forbearance, FedLoan has failed to report my monthly payments. My monthly payments reflect on the credit report as {$0.00}, when I actually have been making monthly payments of {$190.00} per month since XX/XX/2020. 

I have contacted FedLoans several times about this. They admit that they should be reporting the monthly payment amounts and it would reflect in the following month. Each time I contact them they give the same response. This has been going on for the past four months now. I currently need my monthly payments to reflect on my credit report, and I believe it is against the law that they have failed to accurately report it. 

To date, my report does not reflect that I am currently making payments of {$190.00} per month. I believe this is wrong and unlawful.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (PA)

My name is XXXX XXXX and I am submitting this complaint for myself. There is no third party involved. I am writing to completely remove the following account in my file. The account that needs to be removed are listed in my report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission and I also have attached copies of the Federal Trade Commission 's Identity Theft Affidavit along with my government issued photo identification and social security card. Please delete the items immediately.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As of XX/XX/2024 XXXX, XXXX, and Equifax do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.
Consumer complaint received 2022-04-26
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. (CO)

I have a credit card with XXXX. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Consumer complaint received 2020-06-04
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. (MI)

****My name is XXXX XXXX XXXX XXXX. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are  not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX XXXX   ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ** HARD INQUIRIES XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc. (TX)

At the end of XX/XX/XXXX, my ex-husband died. This debt was split specifically in a court order during our divorce. Ive provided documentation and ask for the company on numerous occasions to file with probate court to receive his half. They have also advised me historically that I am not responsible for his half of the debt. While Ive continued to pay on my half of the debt, to date the company still has not taken appropriate action in this case. As a single mom with a young child, I feel that this company is taken advantage of me by refusing to follow a court order and file in probate court as is reasonable in this case. Let alone my child has now lost a father and source of income from child support. 

Furthermore, as of today XXXX XXXX, I have realized that I have not received any type of billing statement from them since XXXX of XXXX. Also, my online account has not been updated since XXXX of XXXX for any billing payments that I have been making every month.