davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

THIS IS NOT A DUPLICATE COMPLAINT! The first complaint was about processing ALL MONTHS o loan payments. The company DID process some months, but they literally left off the months that would have qualified me for full loan forgiveness. THIS IS NOT A DUPLICATE COMPLAINT! 

My name is XXXX XXXX. My Federal Loan Servicing account number is XXXX. I received notice that my account had finally been adjusted after 6 months of waiting. While there were certain pay dates added to my eligibility, the period from XXXX, XXXX through XXXX of XXXX was not added. This is the EXACT period that needs to be processed, and with which I would receive my full loan forgiveness. I have already certified employment ( and even have some month p [ roperly counted ) with the XXXX XXXX XXXX XXXX XXXX. This employment, which also covers the period of XXXX, XXXX thru XX/XX/XXXX, would provide me with loan forgiveness once you update those months as being qualifying. Why was every month from XXXX, XXXX through XXXX of XXXX added, but nothing starting when my XXXX employment actually took place? When will this update be completed? I have waited 6 months and then you make a pointless update that added only 1 month, instead of adding around 20 months. Please correct this and process my loan forgiveness. XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I paid my two Conns account in XX/XX/XXXX. I have called several times but XX/XX/XXXX I spoke to a Conns rep and she stated that she shows the account settled and will send it to the review department AGAIN. This has been two months on going and still they report my credit as open and none payment .. delinquent.. for the full amount. I have letters of settlement by this company
Consumer complaint received 2022-08-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XXXX : {$10000.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; CPS XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

I notified Genesis dba Columbia Debt Recovery verbally by phone and email that I do not owe this debt. They are attempting to collect a debt from XXXX XXXX XXXX  which upon looking them up is an apartment complex in Texas. I advised them that I have no idea who they are and have never done business with them. I am born and raised in Alabama and have never lived outside of Alabama so I have no idea where this debt is coming from. I've asked them to stop contacting me and they continue to do so.
Consumer complaint received 2022-04-14
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: SYNCHRONY FINANCIAL (OR)

RE : Notice of unauthorized use of PayPal credit account. 

Dear Sir or Madam, I am the victim of identity theft. My Paypal account was used for multiple unauthorized transactions on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The first transaction of {$360.00} on XX/XX/XXXX was legitimate. I did not authorize the two subsequent transactions that day or any other PayPal transactions after XX/XX/XXXX. I did not authorize anyone else to use my PayPal account in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act. and implementing Regulation E, 15 U.S.C. 1693 et seq. 12 C.F.R. 205 of my unauthorized transactions.

See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving my PayPal account, including but not limited to the following : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$410.00} on XX/XX/XXXX I am attaching a copy of each of the following documents to this letter : The FTC Notice to Furnishers of Information FTC Identity Theft Report Please restore any funds which have been withdrawn from my PayPal account and adjust the balance and interest back to XX/XX/XXXX. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any funds have been restored.
Consumer complaint received 2021-06-08
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: ALLY FINANCIAL INC. (NY)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft ALLYFINANC Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-07-30
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)

This is my 8th attempt to submit a complaint about my credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2022-07-30
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. (IN)

XXXX agreement number : My XXXX  account is reporting a inaccurate balance. My principal balance is XXXX. My credit report with experian, XXXX or XXXX does not reflect this balance. My statement will be included with this letter XXXX XXXX XXXX XXXX. ending in XXXX My XXXX XXXX XXXX card has not been updated by XXXX bank since XXXX XXXX with the credit reporting Agencies due to a system update that went bad. My current balance is {$0.00}. My statement will be included with this letter.
Consumer complaint received 2022-04-14
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. (SC)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2020 wire from friends XXXX XXXX XXXX  EDD of XXXX XXXX. 
US Bank accepted the transfer and then closed her account for Fraud Investigation which was negative and said they would return the money.

Could take up to 6 months even though EDD money was for hardship death of Mom. After many attempts to Branch and many letters was told 6 months up in in XXXX Went to branch in XXXX and was told that they could take as long as they want
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NJ)

I notice on XX/XX/XXXX, that US Bank were charging an Annual Fee, the Bank claims my card has annual membership fee {$49.00}. I contacted bank regarding such fees. I stated, I show no record of signing any such agreement with US Bank. I requested a copy of original credit card application executed on or about XX/XX/XXXX, the banks representative refuses to provided copy of same with my signature demonstrating the terms and condition I agreed regarding such fees for {$49.00} Annual Fee. I stated all my current cards are no fees, I requested to speak with a manager or supervisor, the representative refuse claiming she is the manager. I would never agree to a credit card terms and condition with annual fees. Such terms should be disclosed in writing on the credit card application or promotions.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I had fraudulent charges and was told not to make a payment until my account was credited I have a excellent on time payment I contacted Wells Fargo and was told to disputed thru the credit company and that did not change anything I call Well Fargo back and was told that they can not pull any info on account because it was already closed I paid off the account In Full I also bank with Wells Fargo
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter in the mail from this debt collector saying that I owe XXXX XXXX XXXX  when I have previously disputed this debt directly with XXXX XXXX & had it removed from my credit report some years back. This company is trying to collect on a debt thats not even owed. Im requesting for them to send me information proving a debt before I even decide to pay a dime because right now my credit is important & dont need any surprise items inserted onto my credit report
Consumer complaint received 2022-04-14
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: Affirm Holdings, Inc (NC)

I HAVE SENT A DISPUTE TO AFFIRM AND XXXX AND WAS NEVER TREATED AS A VCITIM OF IDENTITY THEFT. THEY DID NOT HELP ME AND HUNG UP ON ME MULTIPLE TIMES AFTER FOLLOWING THE FCRA SEC 605B 15USC LAWS
Consumer complaint received 2022-04-14
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. (SC)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (TX)

Back in XXXX we got infected with covid 19 as a result if that my children were not able to return to daycare because of health compromise of one of my kids my mom had to stay home i had to get money from my mortgage payments to pay behind bills of eater and vehicle paymments and to pay my Mother for taking care of them as why i fel behind
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the fair credit reporting 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

Ally Financial incorrectly reported to the credit bureaus that my XX/XX/2022 payment was late ( it was not ) and then reported the balance of my loan ( XXXX left on a {$27000.00} loan ) delinquent. This is destroying my credit.
Consumer complaint received 2022-08-23
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted disputes to you and I didn't get a response within XXXX days and ya 'll are required by law to do so. Please investigate my disputes.
Consumer complaint received 2022-04-14
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 Following Accounts have violated my Rights Accounts : 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 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 XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions.

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

XXXX/Self is reporting an incorrect status on my credit reports. The account is paid. The account balance is XXXX. However, the account status is being reported as 30 - 59 days past due although the account was paid off in XX/XX/2020. The account status is WRONG.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

opened XXXX  account in XX/XX/XXXX, Because you could pay your rent and not have to pay the normal fee associated with paying with credit card, I paid XXXX on XX/XX/XXXX and it worked fine then on XX/XX/XXXX i paid XXXX went through but six days later came back though my apartment complex NSF so now have XXXX nsf check charge and also a late charge of XXXX, Now I can not use a check any more with my apartment complex because of the check being insufficient funds. this was suppose to make it better for me now it is a big problem