davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Camp ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-01
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)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-07-02
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. (GA)

I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account XXXX : XXXX, 11. Account Name : XXXX XXXX Bankruptcy Account XXXX : XXXX
Consumer complaint received 2021-04-12
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. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery, Inc. (CA)

You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( NCAP ) mandated that on XX/XX/XXXX of 2023 effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the XXXX administration that was put in place to protected classes as myself and this company is not in compliance to this law.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that 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 an account without my written instructions.
Consumer complaint received 2022-07-02
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: CITIBANK, N.A. (MD)

On XX/XX/22, eight fraudulent transactions were made on my Citi credit card ( totalling {$3600.00} ) within minutes of each other. I disputed all eight transactions with Citi within an hour. All transactions were from a website called " XXXX '' ). I have attested to Citi that I did not authorize these transactions and I have never delt with the website before. 

Strangely, Citi ruled against me on 4 of the 8 transactions ( totaling {$1900.00} ). There were a number of red flags they provided in their charge back evidence against me. 

Among the red flags were the tracking number the vendor ( XXXX ) provided. The tracking number was : XXXX. But in the middle of shipping, the tracking number changes to : XXXX. I received a small padded envelop that lists the tracking number and the value of the item. The vendor ( XXXX  ) was clearly just using the tracking number to say that they sent the items to me. 

I provided Citi with photo evidence of the envelop that was sent to me. Per the Citi fraud investigator, I sent the photos to " XXXX ''. But I have yet to receive a response. 

The other red flags in the evidence that was provided by the vendor ( XXXX ) : - Transactions made within minutes of each other - Made from another country ( XXXX ) -- IP XXXX - Email on transaction doesn't match one with citi : XXXX - Email client is unknown ( XXXX XXXX XXXX XXXX XXXX  )
Consumer complaint received 2021-03-09
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)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. You stated that you needed more information, however I have provided EVERY piece of information needed since XX/XX/2020, for almost 9 months now, and if you were not so behind and completed what you were supposed to, you would have that information on file.
Consumer complaint received 2021-03-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac VA loan. They were not taking out Real estate taxes so taxes paid late but only after I called them. I wanted to pay on my own so there not late. now they say I can not. This is a VA loan. i wish I had number to VA to let them know. Tax would have been {$1600.00} but because there incomitance {$1700.00}. I want to pay myself. 
Thanks
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

Comenity bank has had its payment system down since at least XX/XX/2022. I have attempted to make a payment regarding my XXXX 's Mastercard I have with this bank on multiple occasions since this date. They have a new easypay system that does not work and and you get a " Page Not Found '' error and to contact customer service. When attempting to contact customer service, via phone, you get another message that they are " experiencing a phone outage and can make an online payment at comenity.net/easypay. '' Yet going back to my previous statement this system is not working. 

Consumers are unsure if their data has been breached or when this issue will be fixed. The company keep posting the same message via XXXX, not emailing actual consumers of the ongoing issues. If someone does not have XXXX they would not know what was going on. 

They did post that late fees would we waived for people whose payment were due from XXXX XXXX XXXX and that inability to make a payment will not effect credit scores, via XXXX. I certainly hope that this companies lack of responsibility to its customers truly does not effect my credit score and effect my ability to buy a home in the coming months.
Consumer complaint received 2022-07-02
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. (SC)

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-07-21
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. (PA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these 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 If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting 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. (MD)

The inquiries on my EQUIFAX credit report are fraudulent, inaccurate, and unverifiable and are not attached to any open accounts. They were deleted and removed months ago and then suddenly reappeared all on the same day about 30 days ago causing my credit score to plummet significantly clearly violating the FCRA and my rights as a consumer. ( PLEASE SEE ATTACHED )
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint involves XXXX  ; XXXX  and TransUnion credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.
Consumer complaint received 2022-07-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the banks for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.
Consumer complaint received 2022-07-02
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. (SC)

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have XXXX hard inquiries on my credit report that I did not authorize. I also got some inquiries from when I went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost 5 years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had XXXX during the time this was even a factor.. XX/XX/XXXX the state of virginia law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/XXXX.
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (CA)

I have never done business with this company, Calvary Portfolios Company, and XXXXXXXX XXXX. The credit report shows an amount of {$2200.00} for a bill that I dont have or had. The company reported this on my credit report and I want this removed from all three major credit reporting agencies immediately. My greatest concern is the fact that this was reported on my credit file and I had no knowledge, and it doesnt belong to me. 


Thank you, XXXX XXXX