davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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. (FL)

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted XXXX XXXX  and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022, Capital One Auto Finance reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Consumer complaint received 2021-05-06
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)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted transunion, equifax and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2021-05-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

There is a Loan with XXXX XXXX ACCOUNT XXXX for XXXX and XXXX. I never use XXXX XXXX for my student Loans Only Nelnet and this is incorrect on my credit report. They tried to get my loans but I never signed for them to be my loan service. Should not be on my report. 

Nelt/net has accounts that are reporting inaccurate information from two sets of accounts series with the same loan amounts. my accounts are in good standing and opened, but they are reporting information on closed accounts XXXX $ XXXX XXXX $ XXXX. XXXX $ 1530-closed XXXX $ XXXX. XXXX $ XXXX XXXX $ XXXXclosed XXXX $ XXXX XXXX {$3000.00} closed XXXX $ XXXXclosed XXXX $ XXXXclosed. These are incorrect and should not be on my credit report. my loans are actually opened not closed and they show.
Consumer complaint received 2020-06-02
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)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 ; I sent a letter to Equifax advising that there is inaccurate information reporting to the public record portion on my credit report. Equifax responded by stating that the information had been verified as accurate through a third party vendor, XXXX. On XX/XX/2020 ; I sent requesting that Equifax requesting the description of the procedure used to determine the accuracy and completeness of the information as well as a re-investigation. I received a response dated XX/XX/2020 ; providing the same response that information had been verified as accurate through a third party vendor, XXXX. I have provided documentation to Equifax directly from the bankruptcy court that explains that this information is not provided to any 3rd parties. I am requesting that the inaccurate information be deleted.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, someone withdraw a total of XXXX dollars from my Bank account. I called Chase and filed a claim and they credited me the XXXX dollars. XXXX XX/XX/2021 I noticed that they reverse the XXXX dollars so I called them and they told me that their investigation concluded that it was me who withdraw the money because of the debit card chip that was used. I told them that it was not me and I had never taken out more then XXXX dollars from the ATM as that is the limit of withdrawal allowed in a day, they said they dont know and there is nothing they can do.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NJ)

I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 

1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been submitting multiple written appeals to Equifax regarding the fraudulent account being reported on my file. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Equifax is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having this account with this company so please DELETE this damaging account from my file IMMEDIATELY! 

XXXX  XXXX XXXX
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (TX)

I called In to pay debt in full, and days after received paid in full letter which is attached. 
I have disputed the balance with all three bureaus and target refuses to update by minimum the amount to {$0.00}. 
I last spoke with XXXX  today at XXXX
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here (VA)

XX/XX/2021 A call was placed to my job asking personal questions from a co worker when called the finance company back I asked XXXX XXXX not to call my job she said shes going to do whatever she wants and she will continue to call my job when she wants to. When she called my job my co worker answered the phone with the greeting thank you for calling XXXX financial how can I help you XXXX advised my co worker that this number is listed as a home number for me in XXXX and proceeded to badger my co worker asking questions my co worker advised her due to privacy reasons she could not disclose the location of my job and XXXX continued to try to get information. I have been embarrassed because now everyone on my job thinks someone was trying to repo my car.
Consumer complaint received 2017-12-20
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. (IL)

The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MS)

I paid my bill and requested cancellation of service in XXXX of 2020. Somehow the Company was still charging my account. I had no knowledge because I wasnt watching television to keep track of how long it had been happening. In XX/XX/2020 I returned all equipment to the company that wouldve been a fee if it wasnt returned. The delay was due to a busy schedule. But all of the equipment was returned. Im not sure why the Company wishes to go against the dispute but I refuse to allow them to force me to pay by messing with my credit for debt thats not owed.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

1. In accordance with the Fair Credit report Act XXXX account XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-27
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: Bread Financial Holdings, Inc. (FL)

Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats
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: EQUIFAX, INC. (NC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-12
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: C/C Financial (GA)

Creditor : Preferred Lease XXXX XXXX XXXX XXXX, TX, USA XXXX I am a victim of identity theft. I recently learned that my personal information was used to open an account at Preferred Lease. 

On XX/XX/XXXX, I received an email from XXXX alerting me of a new installment account from a third-party lender called Preferred Lease. I logged into my XXXX Account confused, as I have never heard of this lender and never done business with them. I opened the alert in my XXXX account and saw a {$6000.00} installment plan. Further research, calling the phone number provided for Preferred Lease uncovered the following details : The lender, Preferred Lease works with XXXX XXXX XXXX and other furniture retailers to provide furniture on credit. 

XXXX XXXX XXXX and Preferred Lease failed to properly identify this person 's identity prior to approving her loan. While she does in fact possess forged documents of my personal identifiable information bearing my name and SSN, she submitted a photo of her method of payment covering her own name on the card, and the delivery address and billing address she provided did not match the address on my license, which should have been cause for additional verification of her identity. Preferred Lease has ignored my request for resolution of this matter.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (NY)

I reached out very recently, I believe early last week to the bank that manages this Care Credit, credit card for assistance and was given a bit of a difficult time. I had opened up my bill for the month and noticed that I had suddenly got hit with {$86.00} worth of interest in one month! I was in shock. I have been carrying a balance for a while and making payments with the exception of I think skipping two, due to the Pandemic, as most had done in the early spring of this year. 
About a year ago, in XXXX of XXXX, I had been in a difficult situation as I was getting hit with one offer after another expiring on XXXX bills and getting hit with a massive amount of interest all at once. I was totally overwhelmed and reached out for assistance. I worked with someone in the Corporate office I believe who changed my existing balance at the time, over XXXX I believe to a very low interest rate. This helped enormously. Interest was waived as well, a massive help at the time. I was also told and this is very important due to the nature of this complaint that if I used the card, for a new purchase, I would not be charge at the highest interest rate which would make it impossible for me to use the card. It would be totally separate from the older balance that was already adjusted. I am not sure exactly of the arrangement but this is the best of my knowledge. After that arrangement, I didn't use the card for some time and was making payments. I had planned on not using it for a long time as I worked to pay down the debt .Then suddenly, we had an emergency for one of our pets in XXXX of XXXX. The cat had to be brought to several doctors and specialist and unfortunately I had to use the card for almost XXXX XXXX dollars. There is no way I can pay this debt down if I am being charged {$86.00} per month. I won't get anywhere. I did speak with a rep and a supervisor early last week and asked to speak with the person who originally made these arrangements. I had her name. The rep gave me a hard time so I had to escalate the call to a supervisor. the supervisor clearly seen who I had been dealing with, as notes were there at she said she would contact this person for me. I never heard back and it is going on one week.
Consumer complaint received 2021-12-03
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: ALLY FINANCIAL INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (IA)

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH CAPITAL ACCOUNTS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2021-05-06
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-08-15
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. (TX)

XXXX  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XX/XX/2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-08-15
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)

I am a victim of identity theft. I have explained that this account does not belong to me & was open fraudulently for the XXXX XXXX XXXX XXXX. There is also an inquiry that I have not applied for someone attempted to open credit in my name XXXX/XXXX. 
Please delete this account & remove this inquiry so they do not reappear on my reports again please. Thank you
Consumer complaint received 2021-12-03
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. (GA)

I have XXXX bankruptcies showing on my credit report ( Experian/XXXX  ) .IT stated that the XXXX bankruptcy court has reported to the credit bureau, so I reach out to the bankruptcy court and I was informed by the courts that they dont report to the credit bureaus.so I wrote/ call Experian and XXXX on several and the ONLY response I keep getting from both credit bureaus is that the information is ACCURATE and VERIFIED.I I also ask the credit bureaus several times to prove to me how the information get verified and both bureaus refused to provide that information. So my question is that if the bankruptcy court does not report to the credit bureaus they can only get the information from a third party and by law third parties are not allowed to report anything on your credit report.so Im requesting/demanding that Experian and XXXX REMOVED those XXXX bankruptcies thats showing on my credit report because they are violating the fair credit act.
Consumer complaint received 2021-05-06
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. (NY)

LVNV Funding promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also XXXX XXXX  was settled and yet the company didnt update the account as paid.