davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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. (TX)

Please investigate the following information. XXXX XXXX The address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. Highest Balance is incorrect, correct it or delete it. Status updated is  incorrect, correct it or delete it. XXXX XXXX, XXXX. XXXX Date open is incorrect, correct it or delete it. Type of account is incorrect, correct or delete this account. Highest Balance is incorrect, correct it or delete it. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it.. Term is incorrect, correct it or delete this account. Type of account is incorrect, correct or delete this account. XXXX XXXX XXXX. XXXX Date open is incorrect, correct it or delete it. Date reported, correct or delete this account. The status is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. XXXX Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is  incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. The status is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. The status is incorrect, correct it or delete this account. 
XXXX XXXX XXXX XXXX XXXX Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account.  XXXX XXXX XXXX XXXX The address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX Date open is incorrect, correct it or delete it.. Term is incorrect, correct it or delete this account. Type of account is incorrect, correct or delete this account. XXXX  XXXX XXXX XXXX Date open is incorrect, correct it or delete it. The account number is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. Terms is incorrect, correct or delete this account
Consumer complaint received 2022-04-07
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: PENTAGON FEDERAL CREDIT UNION (IL)

My PenFed credit card was fraudulently charged {$2400.00}, on XX/XX/2022, without my knowledge, while I was visiting XXXX, XXXX. The charge was in the name of a XXXX XXXX XXXX XXXX, a person or organization unknown to me. 
Even though the change was XXXX times greater than I have ever made while visiting XXXX, PenFed security made no attempt to contact me via email, text or phone in order to confirm the transaction. 
On XXXX XXXX, while reviewing my online account prior to paying, I noticed the charge and immediately contacted the PenFed Fraud Department. They canceled the card and initiated an investigation. 
However, after the briefest of investigations, in which they could not even contact the vendor ( Id already attempted with no success ; doesnt apparently exist ), they determined that the transaction was valid in spite of the fact that I did not authorize the charge. 
There are any number of ways that someone could fraudulently use my card, while I used it at a restaurant, etc, none which PenFed even considered. 
Consequently, in spite of their inability to attempt contact with me regarding a highly suspicious transaction ( when the charge still could have been denied ) they demand that I pay for a charge which I did not authorize. 
I have called the Security Department and customer service with no success. I was told only that, since the actual card was used, that it was considered a valid charge and I would have to pay it
Consumer complaint received 2018-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Pinebrook Holdings, LLC (WI)

In XX/XX/2017, I financed approximately {$350.00} with XXXX XXXX, due to financial hardship. I was unaware that I would be charged roughly {$700.00} in interest. Due to health issues I defaulted on this and was unable to make my first payment. I called and explained my health issues and my inability to pay. They continued to call me aggressively ( at least 2 to 3 times daily ) ; this was after I tried to work out a payment plan. I was able to get a job in XXXX and despite my efforts to work out a reasonable payment, they continued to pursue me and harass me aggressively. I have made {$50.00} in payments due them and noticed they continued to add interest, AFTER I was delinquent/defaulted on loan.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-12
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 (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-16
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: Exeter Finance, LLC. (UT)

1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2017-09-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: United Debt Holdings, LLC (OH)

This is an extremely upsetting case of possible UDAAP violations. I received a very threatening call from a XXXX XXXX - NO company name left. The message said that she was an independent courier and that she will be at my home during my work hours. She advised that if I was not available at this time which I will not be she will be forced to mark me as non-complaint/refusal and additional action may be taken towards me. Additionally she left a number for me to call the " filing party '' insinuating suit or formal filing. The number left was XXXX. This was a call to XXXX XXXX. I called the number and spoke with a XXXX XXXX who provided me the last four of the SSN. What is this was not me? The appropriate practice would be to ask the consumer to validate. I advised this person that I wanted validation of this alleged debt via mail and did not want any additional phone communication and that I did not want anyone coming to my home and if so I would contact the police he advise that he would send a police escort if necessary. This is a direct threat to my safety and my home and I am unaware of any such debt! He offered to email me the validation I again requested all communication via mail. HE REFUSED. Additionally I advise him of the unprofessional and threatening tone of the carrier he advised this was not his companies responsibility and he was not sure who the carrier was. I requested additional information as I am unsure why he would not have this information. He said it could possibly be XXXX courier. He stated this was for a debt from XXXX XXXX ' XXXX from 2013. Again I am not familiar with this debt. He informed me that I was on a " Federally recorded line '', this is an attempt to intimate me and refused to provide validation outside of email and stated someone is coming to my home again with police if necessary. I advised him I do not want any additional phone calls or home visits, he stated that then this will be handled in court. I asked him to clarify if he was threatening me with a lawsuit and he said no I am just letting you know what your options are before we sue you. I provided him my attorney name and phone number and ask him to not call me again. Subsequently he proceeded to contact my employer line and gave a false name to the reception area to be transferred to my voicemail. He stated his name was XXXX XXXX when it was actually XXXX saying that he wrote the attorney number incorrectly and wanted to " give me the opportunity '' to provide the correct attorney name " otherwise '' he wishes me the best of luck in the courts. I asked the front desk to document this false name and I also saved the message. This is a clear violation of UDAAP. This was uncomfortable and very threatening.
Consumer complaint received 2022-08-12
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$590.00}
Consumer complaint received 2021-05-24
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: National Credit Systems,Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I have recently discovered what credit is and what it does for your life. Unfortunately, I do n't have good credit bc someone has run up utility bills, medical bills, and apartment collection. Someone had broken into my car a few years back and stole passport and wallet. When I call these places, i get treated like a criminal and just said forget it. I ' assuming this is associated with my information being leaked for all of XXXX area to see. I 've since calmed down. I desperately need to update and clear off what is not mine and began a new life after my divorce. The police really could n't help nor did they care to but I got some valuable information about the process with the federal trade commission. I intend to see this through until the bitter end. 

National Credit Systems is reporting a debt that is not mine, and I 've made several attempts to get this handheld to no avail
Consumer complaint received 2020-10-27
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. (CA)

I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.
Consumer complaint received 2023-01-11
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. (TX)

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, defamed my character and caused undue stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-18
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. (AL)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2017-09-22
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: Experian Information Solutions Inc. (TX)

These inquiries below should be removed from credit report. did not authorize. 

Account name XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX  Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of requesXXXX XXXX + Options Show more Account name XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-12
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. (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX at XXXX AM I send Outgoing wire funds Transfer with CapitalOne Bank XXXX XXXX Checking Accounts in the amount of {$1000.00} And {$25.00} fee For a Personal Loan to XXXX Finance the XXXX loan was {$50000.00} the beneficiary name is XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX BANK XXXX NO XXXX After they get the money they suppose to Wire me the {$50000.00} within the XXXX hours and they did not immediately i went to my Branch in XXXX and XXXX XXXX ask them to reverse back my money that 's brief l'y what happened I have everything documented