davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
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. (IL)

Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IL)

I opened an account with citi. They have seized my money in my account and said they are investigating me. They have not provided cause for my investigation and they are withholding my money and ability to close my account. I need my money to live and can not afford to have it taken from me for 30-60days or indefinitely. Id like my money back immediately and a full apology. It seems that opening an account with a large amount will cause Citi to just take your funds and investigate you without explanation. And as a XXXX male I dont appreciate the additional oversights and hard investigations without cause
Consumer complaint received 2019-03-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft and it seems that this will be an ever ending story. The account XXXX XXXX XXXX was opened fraudulently not by me. I disputed this account on with all 3 bureaus and the account was deleted from XXXX but remained on TransUnion and XXXX. I submitted a police report for these fraudulent account. This has taken toll on my lifestyle and causing a negative impact on my credit file.
Consumer complaint received 2022-01-06
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: Convergent Resources, Inc. (PA)

look i dont have dates except todays really. 

Disputed a record that was FRAUD potentially commited by a wanted Pennsylvania Fugitive. 

XXXX XXXX emailed me and stated on XX/XX/XXXX. That i owe XXXX XXXX dollars On my XXXX report XXXX Which was reported by CONVERGENT OUTSOURCING. 
WHICH WAS REMOVED FROM ALL REPORTS XX/XX/XXXX. I Don't get why it has re-appeared. It was removed and isn't mine. it was even marked in comments : ( Meets requirement of the Fair Credit Reporting Act ). Which means it shouldn't be there again. So either XXXX XXXX is trying to XXXX my record up again. Or Convergent Outsourcing is. 

Im just trying to build some XXXX XXXX credit finally in life. I shouldn't have any accounts open or even in collections. I've never had any
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I called Bank of America about Direct Deposit offers in XXXX of this year and learnt that they could offer me 0 % until XX/XX/XXXX. So I went ahead and took the offer for {$19000.00} as I needed landscaping for my new home. To my surprise I noticed 19.99 % interest charges on my XXXX bill. I called them on XX/XX/XXXX and the customer service representative did not know how to help me and said someone will get in touch with me in a day or 2. Nobody got in touch with me. So I called them again on XX/XX/XXXX and I was again told someone will get in touch with me. Nobody has contacted me yet and Bank of America is charging me interest unfairly. Also point to be noted, Bank of America doesn't send any contracts/ agreements via email. I also never receive any acknowledgement of my phone conversations.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , & XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

On XX/XX/2023, I received notification from my federal loan servicer that my federal student loans had been forgiven as part of the Biden-Harris Administration debt relief. The notice indicated the loan servicer had notified, or would notify by the end of the month, all national credit bureaus of my student loan forgiveness. However, they have failed to honor that requirement as part of the forgiveness. On XX/XX/2023, I filed a dispute through XXXX. On XX/XX/2023, I received an update in regard to my dispute but it did not result in a change to my loan balance and payment amount. Instead, the loan servicer continues to report an incorrect loan balance and payment amount. Currently, loans that were not part of the debt relief have gone into repayment but my loan balance with the credit bureaus is incorrect. On XX/XX/2023, I reached out to my loan service through a web form which indicated inquiries would be answered within three business days. However, they have failed to respond.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AZ)

Greetings, I am filling a complaint against XXXX XXXX XXXX also known as Sequium Asset Solutions as well as XXXX XXXX. The complaint is that they never sent me any written notification of a debt or contacted me via email, phone, nothing. No communication at all. I found out about the debt when I applied for a car loan and was completed blindsided that I had a negative mark on my credit report from XXXX XXXX XXXX also known as Sequium Asset Solutions. 

After doing some research and looking into the situation I now know what happened. The original debt was with XXXX XXXX. When I first got my service installed they had the wrong apartment number listed. They fixed it in there system and to my knowledge everything was in order but they ended up billing me twice ( which I was unaware of ). The second bill was listed to the wrong address so I never received any notification from XXXX XXXX about the debt either. I always pay my bills on time and have never had an issue with my service from XXXX XXXX so after spending an hour or two on the phone with XXXX they apologized for the mix up but said since the debt was with a collection agency I would have to deal with them. The agency they directed me to was Sequium Asset Solutions. I was a little surprised since the debt was listed on my credit report as XXXX XXXX XXXX. That's when I found out they're the same company. Anyway, I explained the situation to them to which they didn't care. They just wanted their money and since I wanted it removed from my credit on XX/XX/XXXX at XXXX I paid the amount of {$130.00} in full. Since paying the debt they have neither removed it from my credit report or reported it as paid. It still shows up as an unpaid open account. 

I feel very cheated that I was not given any notification about this debt and therefor had no chance to pay it before it was reported to my credit.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

Fake email asking for {$490.00} for " XXXX '' purchase through paypal INVOICE XXXXXXXX DETAILS Paypal Team DUE XX/XX/2022 {$490.00} Print or save Powered by XXXX  Dear Customer , Dear Customer XXXX We congratulate on your fist purchase through PayPal.We wanted to inform you that {$490.00} has been authorised by you for purchase of Bitcoin.This amount will be debited from your Bank/Credit Card/PayPal Wallet XXXX 
This charge will appear on your Bank/Credit Card statement as PAYPAL-COINBASE by next 24 hours.

If you want to report or cancel this transaction contact our customer support ( XXXX ) XXXX immediately. 
Bill to Dear Customer Terms Due on receipt Sales {$490.00} Bitcoin Purchase ( XXXX ) XXXX X {$490.00} Balance due {$490.00} Print or save Paypal Team XXXX Totters XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX If you receive an email that seems fraudulent, please check with the business owner before paying. 

XXXX XXXX XXXX All rights reserved. 
Privacy | Security | Terms of Service I have attached but did not open fake invoice
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IA)

I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries that followed I didn't not authorize are : XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Three inqueries not authorized. Next, I applied to XXXX XXXX XXXX XXXX, XXXX. The following inquiries not authorized : University XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Two inquiries not authorized. Next I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries I did not authorize. XXXX XXXX, XX/XX/XXXX. University XXXX XXXX, XXXX XXXX, XX/XX/XXXX. Thre inquiries not authorized. Total inquiries not authorized are 8. These were not explained to me and I had not been informed these would be on my report.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

HELVEY & ASSOCIATES INC are violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 
HELVEY & ASSOCIATES INC have used abusive, deceptive, and unfair debt collection practices.

HELVEY & ASSOCIATES INC have violated my consumer right to privacy, I NEVER gave them any my information directly and HELVEY & ASSOCIATES INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the HELVEY & ASSOCIATES INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to address a matter of utmost urgency regarding the inaccuracies present on my credit report. It has come to my attention that your bureau has failed to accurately reflect my credit history, which has had detrimental effects on my financial standing. 

The inaccuracies on my credit report are not only egregious but also intolerable. These errors have unjustly tarnished my reputation and hindered my ability to secure loans, housing, and employment opportunities. As a responsible consumer, I have diligently monitored my credit history, and it is unacceptable to find such blatant discrepancies. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Your failure to promptly address this matter will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I expect a swift and thorough investigation into this matter, along with transparent communication regarding the steps being taken to resolve it. Any further negligence on your part will be met with the full force of the law.
Consumer complaint received 2021-10-04
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. (SC)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as the inquires however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was called from a blocked number on XX/XX/XXXX threatening that I would be served with " papers '' about a debt if I did not call in 24 hours. They left me a phone number of XXXX. They also called my mother 's home with the same threats against me. Leaving the phone number of XXXX. That number belonging to XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/XXXX I answered the call from blocked number and spoke with XXXX XXXX. Mr. XXXX informed me that he is with the county, and he was to serve me with " papers ''. I asked Mr. XXXX to verify what county he was with, but he refused to give me that information, replying, " What does it matter? '' He then provided me with a phone number to call. When I called XXXX, I began speaking with a women that did not identify herself or her company. I asked her what their calls to me were regarding. She stated that I was being charged to attempt to " Defraud a Financial Institution '' and " Theft of Goods and Services ''. I asked her on what grounds, and she referenced a Capital One Card that had be paid and closed in XX/XX/XXXX. I informed the women that that account was paid and closed on that date, and referenced the case number in Missouri XXXX. 
She responded that it did not matter and I was still being charged in XXXX XXXX County. Further search of Missouri XXXX shows no open cases again me. I asked her for verification of the debt, and she stated that I was sent something in XX/XX/XXXX, but they would not provide me with any evidence of the account or the mailing they allegedly sent. 
She again warned me that I was being charged and I asked her to not contact me again.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Equifax and XXXX Representatives, I am writing to bring to your urgent attention a matter of grave concern regarding the handling of my consumer credit information, which directly violates federal law. According to 15 U.S. Code 1681a ( i ), transaction history and experiences should not be reported on a consumer report. However, it has come to my attention that both Equifax and XXXX XXXX  have been consistently reporting transaction history and experiences on my consumer report since the XXXX account was opened in XXXX, despite my explicit opt-out request in XXXX. 

In XXXX, I formally opted out of XXXX XXXX  privacy laws through a documented opt-out letter, which should serve as irrefutable evidence of my request to cease the reporting of transaction history and experiences. Despite this, both Equifax and XXXX XXXX  have continued to disregard my rights as a consumer and flagrantly violated federal law. 

This breach of trust and blatant disregard for consumer rights can not be overlooked. Therefore, I demand the immediate removal of the following account from my consumer report : XXXX Account Number : [ XXXX  XXXX ] Failure to comply with this demand will leave me with no choice but to pursue further action. I will be compelled to file a congressional inquiry to have the governing body investigate this matter thoroughly, including the breach of contracts and the blatant violations of federal laws by both Equifax and XXXX XXXX. 

I trust that you will treat this matter with the seriousness it deserves and take immediate action to rectify this situation. I expect confirmation of the removal of the aforementioned account from my consumer report within 10 days of receipt
Consumer complaint received 2022-12-13
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. (LA)

SEE ATTACHED Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear Experian There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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  The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove ALL others The only phone number should be listed ; XXXX remove ALL other There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2022-01-06
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX. PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2023-01-09
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXXXXXX have ALL 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 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.