davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I was contacted by a debt collection company to pay a debt that I knew nothing about. The debt was in my name as I believe a lease agreement but I did not live there. the date it was sent to collections on XX/XX/XXXX however I recently purchased a home on XX/XX/XXXX and before that I lived at my mothers home. I told the collections company this was not my debt which then they questioned the validity of my response multiple time which led me to hang up multiple times. It was not until I saw the collections on my credit report where I took action. I called them back to tell them it was not me debt which they then sent me an email ( after a very rude phone conversation ) on actions to prove its not my debt.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Business closed my Business 360 checking and savings accounts several times without explanation over the past three weeks. The last time my checking account was closed was XX/XX/2022. I called business customer service and visited the branch. The tellers in the bank were helpful throughout the process however there hands were tied. The agents that were on the phone stated that they could not provide me with any answers and that the department that closed my accounts could only be reach via email. 

My accounts have been closed 4 times without an explanation. To date I don't know where my money is from my checking account and the transactions has cost me hardships in my business operations. I need assist and help.
Consumer complaint received 2023-09-08
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. (MO)

I hold a XXXXXXXX XXXX XXXX  which was issued to me and financed by my credit union in XXXX. The card is active and has been since that date whereas I make monthly payments. On XX/XX/XXXXXXXX  I made a {$150.00} payment on account. On XX/XX/XXXX, XXXX XXXX notified me of my new credit score from two of the credit reporting agencies, TransUnion and XXXX. XXXX was reporting my credit score to be XXXX ( a XXXX point increase ) due to recent payment made however, TransUnion was showing my credit score had decreased by more than XXXX points. When I investigated further, the TransUnion Credit Report showed the following information : " XXXX XXXX XXXX account removed from your file. Between XX/XX/XXXXXXXX  and XX/XX/XXXX, your credit card account with XXXX XXXX XXXX was removed from your credit report. Since this account is no longer on your credit report, it's details won't be factored into your credit score ''. 

Neither XXXX or XXXX were reporting this information, only TransUnion! 

I immediately contacted TransUnion via telephone to inquire why this had been done and they told me I needed to contact the creditor ( XXXX XXXX XXXX ). I contacted and spoke with XXXX XXXX, the manager at my financial institution who stated to me that his bank reports directly to XXXX and could not explain why TransUnion was showing this info because the information he has on file shows the card to be active and in use.. 
I then filed a dispute with TransUnion explaining this and requested that they correct their report and reinstate this card as it is active. Rather than reverse their finding and admit to an error, they deleted the disputed item! After receiving the Dispute Results from TransUnion, I initiated a 3 way conference call between myself, XXXX XXXX XXXX, Account Manager at XXXX XXXX XXXX and TransUnion representative XXXX, whereas XXXX XXXX reiterated the fact that his financial institution did not initiate or authorize removal of my XXXX XXXX XXXX from any credit reporting agency and whereas TransUnion rep, XXXX, stated she would refer my file to their Special Handling Dept who would contact me within 72 hrs to correct and reinstate my credit card info to my credit report. When I called them back to follow up on XX/XX/XXXX, the Supervisor, XXXX, told me that I would have to have credit union call them to reinstate. I explained that we previously had a 3 way conference call on XX/XX/XXXX, he stated that his team member 's ( XXXX ) notes did not reflect that info. I am beyond angry, I have done everything within my power to resolve this issue yet TransUnion is not taking any responsibility for a mistake that THEY made to my credit report causing my score to drop significantly because of their error which they will not correct!
Consumer complaint received 2023-01-29
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. (FL)

On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXccount # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (NY)

From XX/XX/XXXX until the current day there have been addresses listed on my consumer report which are not my former address. My address is XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of violent XX/XX/XXXX XXXX, a crime resulting in permanent disfigurement. The address which has been listed on my report has been altered countless times and the address which is protected by state law in my state has been the same since XXXX. Each time I dispute the address which keeps getting added back as my former address, someone is adding it back immediately even before the normal time of a dispute processing. I am being severely harassed and abused by the credit and other person who keeps adding this address back. The person and persons who caused the permanent disfigurement are laughing and take pleasure in stalking me through the credit reporting agency. They are also stalking my child who is under the age of XXXX.
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (TX)

Per XXXX, Experian, and XXXX  they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Consumer complaint received 2023-07-26
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. (NC)

I submitted a complaint last XX/XX/2023 and XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

XXXX XXXX ACCOUNT FOR {$870.00}??? NO WAY!!!! 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Kikoff Inc. (WA)

I have this company reporting on my credit report I have reached out to the phone number the company directs you to an email address I have requested via email to pay off the balance the email they provide sent a message stating that they will reach back with 3 business w its been over a week and the company has made no effort on reply there is no customer service phone number where you can speak to a representative yet they are negatively impacting my credit
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, When I checked my report I found inquiries that I did not recognize absolutely. I did not give any companies any permission. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please remove them. 

Thank you in advance!
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

Hi there, I communicated with Synchrony Bank XXXX XXXX  In the month of XXXX due to job loss, They insisted I enroll in a deferment plan for XX/XX/2020 which will have no negative reporting on my credit report nor late fees, Deferment was offered to me which they were offering with customers with hardship due to covid.. I am a XXXX and was hospitalized on XX/XX/XXXX after further testing was admitted for XXXX spent about 10 days in the Hospital. On XX/XX/XXXX I contacted a Synchrony Bank - XX/XX/XXXX explain I was in the hospital and the rep offered me a payment program for {$45.00} the current months which I made a payment the same day and XX/XX/XXXX made another {$45.00} payment as well. I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./XXXX XXXX. Communicated with Synchrony/XX/XX/XXXX and explain the events that took place from XX/XX/2020 until current they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls, I contacted them today on XX/XX/XXXX and the rep stated I have to contact the credit bureaus and gave me no resolution, also stated account was current and up to date This 30 day late should of never reported on my profile as the Synchrony bank/XX/XX/XXXXagreed to do deferment and arrange payment plan.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For nearly a year, I have been trying to use TransUnion 's website to freeze or unfreeze my credit file and submit disputes to them. I have not been able to login and do either of these tasks due to some sort of block on my credit file. I have had to freeze or unfreeze my credit file through a lengthy process over the phone that takes an hour or more each time I call. To initially place the security freeze, I had to send in the request through the mail. This is unacceptable because that process can take up to 30 days. If someone is in the process of stealing my identity, which has happened to me many times, I do not have 30 days to wait to place a security freeze. Due to this inconvenience, I have had to completely remove the security freeze from my file in order to avoid these unnecessary delays when I need to use my credit. 

I have tried calling their customer service for their website, and each time, they have been unable to assist me in removing this block from my online account. I am uncertain if the representatives are unable to ascertain the issue I am having or if they are merely not trained to fix this issue. Unfortunately, they have been unable to assist me, irrespective of the reason. I need to be able to access, maintain, freeze, unfreeze, and dispute with TransUnion just like everyone else. 

I have attached a screen shot of the message I receive every time I try to login to TransUnion 's website.
Consumer complaint received 2020-12-16
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. (IL)

On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the Equifax data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NCB Management Services Inc. (GA)

Car was taken by XXXX XXXX and the company then filed bankrupcty which my car was inlcuded in but now the information was sold to an collection agency and now that compnay is saying i owe money on a car that was closed on my aacount
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for and 5 months of charge off reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used my credit card according to congress pursuant to 15 usc 1602 ( L ) I applied for a accepted credit card pursuant to 15 usc 1602 ( M ) I have been making consistent payments with my card for the past 2 years. I recently applied for an extention of my credit because credit is my right according to congress 15 usc 1602 ( f ). i was denied which is a violation of ECOA. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. That chapter is consumer credit protection chapter 41 under title 15. The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. The Consumer Financial Protection Bureau ( CFPB ) states that credit reporting is optional. 15 usc 1602 ( p ) makes it clear that a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 usc 1691 ( a ) ( 3 ) makes it clear that i can not be denied by exercising my rights how do you continue to let these companies violate consumers rights. I would like my account to be restored and my extension of my credit returned to me.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I told Experian, XXXX, and XXXX to reinvestigate this account XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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.

15U.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.
Consumer complaint received 2023-01-29
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. (NC)

I originally sent XXXX disputes to Equfax about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX OR AND Open balance XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX OR AND Open balance XXXX XXXX XXXX XXXX. 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.