davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I called XXXX XXXX in response to their constant emails to lower my interest amount ( 110 % APR ) The lady i spoke to asked if i was a military spouse - I responded yes. The customer service rep then tells me that she is unable to re-do my loan as i shouldn't have one under the law anyhow, and that it is a good thing, she recommended i speak to their customer service team. I called back and they tried to sell me a new loan at 80 % APR for another 80 months! 
I am a military spouse that just wants to know what is what here.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (WI)

someone stole my identity and hacked my old accounts. XXXX, XXXX, ect. sent me XXXX, demanded money, i dont know how to address this situation ...... 

all for me to open he chime app and download it on my phone which i did then i an enable the two way authenticator and they stole my identity that way my passwords everything. 

i dont know who this person was. 

but chime might.. i have a gmail account linking me to this person. i will attach it here. 

i spoke to chime today on XX/XX/2021 at XXXX XXXX  and informed them that i was XXXX XXXX XXXX and wanted this account closed and that i was a victim of identity theft scams and fraud.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I filed 2 disputes with XXXX XXXX XXXX in XX/XX/XXXX regarding the status of a mortgage serviced by Ocwen Loan Servicing, LLC Both times I provided information that clearly shows the loan was paid in full. Ocwen refuses to change the status to paid. They currently have the status as being under a Chapter XXXX Bankruptcy. The property was sold and the loan paid off on XX/XX/XXXX in the amount of {$73000.00}. The Bankruptcy was filed after that date.
Consumer complaint received 2022-05-02
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. (VA)

Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 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 2018-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I sent XXXX, XXXX, and Equifax a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and XXXX, XXXX, and Equifax responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
Consumer complaint received 2023-03-20
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: LEXISNEXIS (MI)

Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX D.O.B : XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a XXXX system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following information needs to be deleted. In the former address of my credit report it shows XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX. This address Is not mine anymore it was temporarily used due to a XXXX XXXX. I am at my residence where i receive mail. 
.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my XXXX credit report. I called the XXXX Bankruptcy court that XXXX said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or XXXX and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY XXXX REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The account for which Portfolio is attempting to collect is " time-barred '' in the State of California. I asked for verification of the debt but never received any written report. I asked for them to stop calling me, but they have not stopped. 
Each call I have received has been from different phone numbers. 
Each time they call, the company " dings '' my credit rating.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted TransUnion and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Consumer complaint received 2023-04-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I submitted this complaint to update this suspicious information. The 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00}.
Consumer complaint received 2023-04-08
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. (FL)

This is XXXX XXXX XXXX XXXX XXXX, and I am dispute to dispute the fraudulent items listed on my credit report. I recently received and reviewed a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} AXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (TX)

I filed a dispute on some transactions. 
{$51.00} -- XXXX XX/XX/21 During the investigation process, I expected a temporary credit to show up. This did not occur. Instead, the transactions were kept on the statement and interest has showed up. This interest was never addressed. Instead, a rude customer service representative with a number of XXXX conducted instances of rude obstruction ( XX/XX/21 ). 
{$29.00} -- XXXX XXXX XXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest. 
{$11.00} -- XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (WI)

On Wednesday XX/XX/2021, I clicked the contact us tab on the adopt XXXX XXXX. I received a text message from XXXX introducing themselves as XXXX the XXXX. The next few text messages with XXXX the XXXX he informed me about the puppies that were available for adoption. He sent several e-mails with photos, and video of available dogs and I picked the dog out. 
After I picked out the dog, I sent a zelle payment to XXXX of {$500.00}. 
After sending the money I proposed picking up the dog, vs. shipping the dog. That's when he provided the street address where I can drive to pick up the dog and text me back to tell me the time/date XXXX can pick-up the dog. After talking to family members, I text XXXX back about possibility delivering the dog vs. picking it up as I forgot my brother who was going to drive me tested positive for XXXX and did not receive a negative test results. 
On Friday XX/XX/XXXX, I texted back XXXX advising him to proceed to deliver the dog to my home address which I provided. I sent another Zelle payment of {$700.00} to XXXX. 
On Friday XX/XX/XXXX in the evening, I received ( 2 ) e-mail 's from the same party : Email address : XXXX, E-mail Subject : URGENT!! Health and XXXX XXXX to send {$1500.00} via Zelle Email : XXXX. Then a second e-mail threatening that they would report to the Michigan authorities. I sent a 2nd Zelle payment of {$1000.00} to Email : XXXX because my bank XXXX XXXX  blocked the {$1500.00} transaction but a {$1000.00} managed to get sent. 
On Saturday XX/XX/XXXX, I received several e-mails from XXXX about them suing me if I didn't pay the remainder {$500.00}. I told them I had no more money, they proposed me purchasing a gift card at XXXX, XXXX and sending them the gift cards. I purchased the gift cards through my credit card, and sent pictures of the gift cards to them. 
On Saturday XX/XX/XXXX, I received the flight details on how the dog was being transported, only to receive another e-mail in the evening stating the dog was at XXXX, NC airport in quarantine. 
On Sunday, XX/XX/XXXX more threatening e-mails came through, and proceeded to send additional gift card information. 
On Monday, XX/XX/XXXX, after sending the money another e-mail requesting more money and that's when I called the XXXX XXXX Wisconsin police department to report them in. I've sent XXXX XXXX all the information, websites, e-mails and text messages. I am asking the FTC to work with the XXXX XXXX Police department, and take down the website so no further transactions can be made and other U.S. Citizens fall pray to these thief 's. In the end, I never received the dog, and I'm trying to recover the {$7200.00} that was taken from me.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MN)

A US bank prepaid card with {$100.00} was under my name by someone I know. They used my name and my personal information to get this card. i did not consent or know anything about this until i got mail with my name on it about this card. the card doesnt expire until XX/XX/23. and the person hasnt used it yet cause they didnt know i have the mail about this card. i have never used a debit/credit card in my life. this person already has me in a lot of debt, i dont want to deal with more of this type of stuff.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, Experian & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX Chapter XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} EXPERIAN Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00}
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

An agency states I owe {$1600.00} for an apartment lease I paid off without incident. No communication was given to me by the apartment complex at any point. XX/XX/XXXX I sent a letter to National Credit System requesting proof of the amounts owed and also followed up with a phone call to confirm the agency received and understood what I needed to pay the debt. 30 days went by and I was never given any proof of the said amounts owed. I have been lied to and believe this is a fraudulent attempt to collect revenue. I sent a correspondence and followed up with a phone call XX/XX/XXXX and was basically told they would not provide me with any proof of said amount due. 
Please help.
Consumer complaint received 2021-09-18
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: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

XX/XX/20 talked with XXXX XXXX # XXXX and XXXX and confirmed the month of XXXX is reporting incorrect. further, XXXX  and XXXX  are reporting different months for same accounts as being delinquent. i am constantly working with these agencys, and am not satisfied with results. 

also, there are to many inquiries happening on my accounts with these two agency that i have not approved of. this morning XX/XX/20, i got a call from a mortgage lender who tells me that someone ran my credit report for mortgage lender, and she can provide a good interest rate base of my credit score. the telephone number is ( XXXX ) XXXX i did not authorize for anyone to run a credit check without my consent. 

lastly, XXXX  does not allow for me to unlock my credit report because i have not paid for their service. i must pay first to be able to unlock my account for lenders that i chose to view my report. i am being denied loans because XXXX  failed to provide the service.
Consumer complaint received 2020-05-22
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: TRUIST FINANCIAL CORPORATION (FL)

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to REGIONAL ACCEPTANCE CORP to get the inquire removed but, they haven't resolved the matter.