davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC supported by my Police Report and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$8400.00}
Consumer complaint received 2020-05-18
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. (OH)

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX,XXXX XXXX XXXX XXXX XXXX , OH  XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I opened a checking account with Citibank Bank about 4/5 months ago : Card # XXXX XXXX XXXX XXXX. The account was suddenly closed for reasons, that I am still not sure exactly why. At first, they said it was for an invalid check that I deposited. But when I provided proof that the check in question was a certified check that was issued to me by XXXX XXXX, they recoiled and said it was an error on their part. Nevertheless, the account remained closed and the XXXX XXXX XXXX amount I had into the account is still into their possession 3 months past the closure of the account. About a month ago, they released a portion of that amount {$3200.00} and at this hour they still have {$2700.00}, which they have not yet released. I have called them countless time, only to be told that they have sent emails to their " Back office '' and that they are still waiting for a response. 

It has been 3 months since my account was closed for some bogus reasons and Citibank have not yet released the funds I had into this account. I have exhausted all talks with them and I am now seeking help from a higher concerned instance in order to have my funds released. My funds were sent to " Risk Deposit '' Account, and after talking to them numerous times, I conclude that, this department operates like a fraud scheme department, attempting to steel your hard earned money by claiming that your own money is not yours and that it belongs to them. They are very sleazy, and sneaky.
Consumer complaint received 2020-05-18
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. (TX)

ftc vilations In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Consumer complaint received 2024-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime (FL)

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXXXXXX XXXX XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXXXXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2022-11-13
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

My name is XXXX XXXX, e-mail- XXXX, phone number, XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX my DOB- XX/XX/XXXX, last XXXX of SSN- XXXX. I had my phone, purse, car and everything stolen from me and I was left at a hotel in XXXX OH XX/XX/XXXX I contacted Chime to shut my account down and all they did was shut the debit card down and that didnt do anything but lock me completely out and at that point without being able to get into the app you can access any customer service! So the people that stole my phone and had access to my Chime bank account got my new debit card number and stuff before I did I had to wait for it to come in the mail they got to see it change on the app! All the while Im begging Chime an email asking them to please set my countdown that these people are stealing everything I had again he fell and deaf ears! So after I got all the information together and filed most of the complaint for the unauthorized transactions I got a denial, filed another complaint, I got those denied! Im not even placed all of the disputes because its just so disheartening to have so much taken and nobody listen but for the disputes that I have filed that Ive got denied for no reason! With lots of information that these people left on my phone that got saved in my XXXX account, them texting people saying they had my phone this was their new number, and pic that they took my phone of them in KY while I was still in OH! But the dispute for {$2100.00} was claim number XXXX, the dispute for {$1200.00} was claim number XXXX, the dispute for {$1900.00} was claim number XXXX, Theres no reason with all the evidence I submitted that my claims should not be paid in full and Im not going to stop til they are because they are scammers there self instead of a bank people are supposed to trust in!!
Consumer complaint received 2022-11-13
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. (NY)

I noticed that Experian is reporting erroneous personal information on my report. They have been blocking me from receiving a report since XX/XX/2022. I attached my identification and proof of residency. Any other address I have not lived at. so they must remove immediately. They would not remove addresses when I explained to them those other addresses are incorrect.
Consumer complaint received 2020-05-22
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)

I HAVE LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX claims to have verified the account XXXX XXXX as accurately belonging to me but they did not provide me with any evidence in which they used to validate and verify this account as belonging to me. I would like the information that they used to verify this account so I may follow up with them about this account and information being supplied to XXXX.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

This company is reporting inaccurately. I have no debt with them and they cant validate it. They closed the account on my credit but wont remove it off my credit. Very abusive and taking advantage of this time
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion stated that the inquiries they investigated were deemed to be validated and verified but they did not provide me with any evidence they used to come to this conclusion. What documents did they use or who did they talk with at the establishment to determine this information. I am not contacting anyone about what TransUnion is reporting since this is the company causing me damages and TransUnion is the party that released my information which makes you liable. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$210.00}
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AZ)

My credit score has been declining and I have just started to actively monitor my credit through XXXX XXXX. While going through my XXXX report on XX/XX/XXXX I discovered a derogatory mark from XXXX from XXXX XXXX. XXXX XXXX claims a debt obligation of {$220.00}. I have never subscribed or interacted in anyway with this company.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion stated that the inquiries they investigated were deemed to be validated and verified but they did not provide me with any evidence they used to come to this conclusion. What documents did they use or who did they talk with at the establishment to determine this information. I am not contacting anyone about what TransUnion is reporting since this is the company causing me damages and TransUnion is the party that released my information which makes you liable. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX  TransUnion
Consumer complaint received 2020-05-22
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: Navient Solutions, LLC. (AL)

I am attached to three student loans from navient formally known as Sallie Mae. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with sallie Mae for the education institution called for full sail real world education. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however for sale real world education obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the  loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company Navient, nor the education facility called for sale real world education .I have spoken with the Department of Education and they have informed me that Student Loans obtain through Sallie Mae now Navient can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and Sallie Mae/Navient to clear this issue up I am still in the same place. I am a single mother of three children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified Navient of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner
Consumer complaint received 2024-04-07
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. (GA)

Equifax claims that they investigated the inquiries listed on my report and verified them as accurate but did not provide me with any evidence to prove their claims. This a violation of FCRA.

Equifax continue to report inquiries that are not correct. The inquiries listed below should be deleted. That are not authorized to have access to my consumer report. XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2023-04-03
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)

my home was broken into my car vandalized we lost our id and many other persoanl items like ssc and birth cert and other priceless items this company has sold the debt and failed to comply with the fcra guidelines by proving that any of the debt match my address which they could not or i would have seen this sooner please help XXXX XXXX XXXX blance XXXX $ XXXX XXXX XXXX XXXX balance XXXX $ XXXX  account XXXX $ all are fraudulent accounts
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (NY)

i Have been contacted by a debt collector on several occasions. Expressed to them that the total debt does not belong to me. After being sent an email to settle for {$700.00} on XX/XX/2020, Original amount was ( XXXX ). I disagreed because most of the debt is late fees that was charged on the account before it went into collections from the original company. I had expressed before account went into collections that this debt does not belong to me because I never used that much line of credit. They continued to ignore me causing the debt to increase because of late payments making it a total of ( XXXX ) which is mostly late fees. After disbursing this online and refusing to pay the {$700.00}, I received a derogatory mark on my credit report.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion replied to my complaint stating that the account listed as XXXX is validated as accurate but did not provide me with any evidence that they used to validate this account. Since TransUnion did not provide any evidence under FCRA I am now giving notice that I will be enforcing my rights to sue.
Consumer complaint received 2023-02-01
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. (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. 

XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-22
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: RoundPoint Mortgage Servicing LLC (LA)

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-22
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. (TN)

SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A JR AND I AM A SR I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.