davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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. (FL)

I have disputed multiple times with Equifax of 2 inquires that I did not initiate and or not mine. I have requested the verification and removal of these inaccurate, fraudulent inquires on my report. The inquires are from XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX. I have reached out to both companies multiple times to remove these inquiries that were not made by me and are incorrectly reporting on my report. All of this I sent to Equifax as proof and to no avail, these inquires remain on my report. I have not signed any documents authorizing either organization to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. XXXX XXXX responded, dated ; XX/XX/XXXX. Stated that this was the result of PRESCREENED INQUIRIES. NO, these inquiries are NOT the result of any prescreened offer. These inquiries are standard inquires, which I did not authorize. They are fraudulent. I also called XXXX XXXX about this issue in XXXX of XXXX and was told it will be removed. IT HAS NOT! XXXX has not responded and letter was returned, so I sent another ... .Nothing ... 
If XXXX XXXX and/or XXXX XXXX are in possession of any document that they believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed, so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Also, I have been trying to remove old addresses since XX/XX/XXXX. I have sent 5 or 6 request to Equifax to delete the old addresses on my report. On XX/XX/XXXX I received my Equifax report # XXXX showing the old information was DELETED! I received another report # XXXX on XX/XX/XXXX showing these same items once again reporting on my report! This has been going on now for the past 6 months!
Consumer complaint received 2023-01-30
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: JPMORGAN CHASE & CO. (GA)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2020-05-26
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. (GA)

I submitted an online pre-qualification request to XXXX XXXX XXXX on XX/XX/2020. I specifically ensured I was doing the form for a pre-qualification as I didnt want a hard inquiry on my credit report as Im in the process of building my credit and have done my best in the past year or so to avoid unnecessary hard inquiries. XXXX XXXX then proceeded to process my pre-qualification as an actual application for credit and created a hard inquiry on my Equifax report that lowered my credit score. After contacting both XXXX XXXX and Equifax, both are pointing the finger at each other and neither believes they can fix the issue which is simply a supposed to be soft inquiry gone awry.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (TX)

The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


PUT A LIEN ON PROPERTY ON A VERYYYYYYYYYYY OLD DEBTTTTTTTTT!!!!!!!!!!!!!!!!!! 
FTC VIOLATIONS
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau with proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
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. (IN)

This credit card was listed as a charge off on my credit report. However I disputed it multiple times before it became a charge off so they sent me letter stating they would take less. So I paid a small portion just to get the card off my credit report. It's been a long time and I asked the representative that I talked with over the phone if it would be removed and she said it would. I don't understand why it hasn't been. This was not my card and was the result of fraud.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

i have power of attorney over a lady who is XXXX yrs old and she has 2 accounts at BB & T bank with over XXXX the account is in her name and a ladies name that was supposed to help her. but neither account requires 2 signatures to take her money out. so we went to get a cashiers check so we could switch banks for her. first time we went was on XX/XX/XXXX and we were told we could not do this unless the other woman was with her. with this being told we are almost sure that this is the other womans friend. so on XX/XX/XXXX we went to the main branch in XXXX ga and they told us that we could not have her money until she came inside the bank and they could determine if she was of sound mind and body, so we ask for a appointment since the bank lobby was closed due to covid. we were told no we could not we just needed to wait until they decided to open back up.we ask for a cashiers check, which they refused to give us, I ask them at this time to please call the police and they refused to do that also. They would not tell us no reason why we could not get the money but was extremely rude and made several sarcastic faces at us which can be seen on their camera 's .. They contacted the other woman and put a freeze on the account where she can not have no access to her life savings. I called their corporate office in North Carolina and they have set up a investigation on XX/XX/XXXX which i have not heard from since. Meantime I ask corporate to put a freeze on the accounts also so noone can steal her money. but they are with holding money from her that belongs to her and that she has a legal right to have when she wants it and this is highly disturbing to her esp since she is elderly and is in fear of her money getting ripped off and she can not understand why she can not have her money in a cashiers check.
Consumer complaint received 2023-01-30
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. (DC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
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: EQUIFAX, INC. (GA)

i have listed inquires that i did not make i am a victim of fraud. I HAVE SUBMITTED MULTIPLE DISPUTES ONLY TO BE TOLD THAT THE POLICE REPORT IS TO VAGUE AND DOES NOT MENTION WHAT, WHERE, OR DATE OF INQUIRY I HAVE UPDATED THE FOLICE RPORT WITH THE POLICE REPORT NUMBER AS WELL AS THE DATES AND PLACES OF INQUIRY
Consumer complaint received 2022-04-03
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: DISCOVER BANK (CA)

Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.
Consumer complaint received 2020-05-20
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: ONEMAIN FINANCE CORPORATION (TN)

I'm a victim of identity theft so i watch my credit report a lot. I notice an account on there from a company name ( OneMain # XXXX ) on my XXXX  credit report. I contacted XXXX  in XXXX and they told me to contact Onemain because they are saying the account is mine. I wrote OneMain on XXXX XXXX, 2020 asking for a copy of the contract with my signature on the contract. I'm knowing they wouldn't have it because its not mine i just wanted a paper trail. XXXX Onemain respond with a copy contract with another company letter head also without my signature. I wrote them again on XX/XX/2020 asking again for a copy of the contract with my signature this time on XXXX XXXX Onemain just sent me a letter without a copy of the contract. On, XXXX XXXX I went to the police station and updated my identity theft police report by adding the company OneMain to it because this is a Fraud account that someone put in my name.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

The following creditor did not contact me nor did they send me statements on my promotional purchase XXXX via XXXX XXXX. In both XX/XX/XXXX and XX/XX/XXXX they marked my payments as late. XX/XX/XXXX specifically - was the date that no statement or invoice was sent and I was not contacted. I had no way of paying this debt due to a lack of information provided. In XXXX, I contacted them - because I noticed on my credit report that they had filed a Late Notice in XXXX. I paid the debt in FULL and was reassured that they would not mark the account as LATE. Simply Closed. 

How is a consumer supposed to pay a creditor if the creditor does not send statements? 
I never receive email or phone calls despite the fact that it appears they had this information. 

I suspect because this was a promotional period whereby no interest or fees were supposed to be assessed, that they intentionally did not make good faith efforts to contact me. 

I believe that Barclays Bank engages in behavior willingly and knowingly to defraud customers and make them ineligible for the promotions that they sell. 

I will never do business with this bank again and suggest that others do the same. 

Barclays Bank XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XXXX of XXXX I signed a modification agreement with my previous servicer XXXX XXXX. I included the authorization to auto debit my account for the monthly payment. Due to work and a death in my family I was forced to travel extensively for the next 4 months. 

In XXXX of XXXX I was notified that my house was up for foreclosure. I was not aware there was any missed payments since the modification agreement. 

In early XXXX I learned that my mortgage servicer had been changed to Rushmore Loan management services. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My Loan # with Rushmore is XXXX. 

On XX/XX/XXXX at XXXX we contacted Rushmore loan servicing. We informed them that we have a modification agreement in place with XXXX XXXX We were transferred to XXXX In " the authorized department ''. He stated if we do have a modification agreement, we should submit it because they do not have record of it. He also stated that if we indeed have the agreement, they will honor it. 

On XXXX we received a copy of the modification agreement including the newly executed deed of trust, from XXXX XXXX 

On XXXX we submitted a QWR and notice of error to Rushmore that include the deed and notarized modification agreement. 

on XXXX we received a response that notified us that they did not have a copy of the modification agreement and were soliciting it from XXXX XXXX. ( They did have a copy we sent XXXX to them on the XXXX of XX/XX/XXXX ). 
on XXXX we requested an update from Rushmore they informed us that they found a denial letter dated in XXXX of XXXX. 
on XXXX we requested all evidence of denial. 
on XXXX we were told we will receive a copy of the denial in the former answer To date XX/XX/XXXX we have not received the formal answer. 

We do not agree that the Modification was denied. 
On XX/XX/XXXX or XXXX of XXXX, XXXX XXXX spoke to XXXX XXXX, and they walked me through the signing process and explained how to get the agreement notarized. Why would they help me notarize a modification that had been previously denied. It would make absolutely no sense to do so. 

Rushmore 's has not responded with in the 30 days as promised, They also are taking time that we do not have. They have a foreclosure scheduled for XX/XX/XXXX. 
It behooves me to understand why they are counting on a document they claim denies the modification in XXXX of XXXX while XXXX acknowledged the modification by their help on XXXX XXXX and their recordation of the modification in their own servicing file. Rushmore should request the phone records of XXXX pertaining to this account. Once they have the accurate information they should honor the modification agreement put in place by XXXX XXXX 

Rushmore needs to rescind the foreclosure sale and re-instate the modification as agreed to by XXXX XXXX
Consumer complaint received 2020-05-20
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. (AL)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  ( Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on TransUnion XXXX Account name : XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ( Reported on XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Reported on XXXX ) Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on TransUnion ) has XXXX 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 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I filed a CFPB complaint XXXX against XXXX XXXX XXXX XXXX about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under XXXX. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from Equifax, stating that a medical collection was now being reported by XXXX XXXX XXXX XXXX. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.
Consumer complaint received 2023-01-27
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. (AR)

I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX 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 XXXXXX/XX/XXXX. Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.
Consumer complaint received 2020-05-20
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF INFORMATION
Consumer complaint received 2023-01-27
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: 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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.