davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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. (MA)

XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.
Consumer complaint received 2017-08-31
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. (CA)

I recently learned that my credit information was shared on several dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX with XXXX XXXX. I did not request service with XXXX XXXX, nor did I give them the right to initiate a credit inquiry on my behalf. These inquiries are negatively impacting my credit score. 

I called Equifax on XXXX/XXXX/XXXX at XXXX to learn more about these inquiries. I was surprised that Equifax had shared my information without my authorization. After learning they had incorrectly listed my name on my account ( as XXXX XXXX XXXX as opposed to my correct name, XXXX XXXX XXXX XXXX, I grew concerned Equifax had sloppy security protocols and was concerned they were not doing due diligence in protecting my financial information. I asked Equifax to tell me what their requirements were for sharing information with creditors. They refused to tell me both XXXX XXXX what information they require, XXXX XXXX what specific information the asked of the erroneous creditor, XXXX XXXX, before sharing my credit report with said company. 

I was told repeatedly I needed to call XXXX and ask what information they had used to access my credit information. I politely explained, I wanted to understand Equifax 's policies in sharing my information with creditors. I specifically asked, " What information do you require of creditors in order to share my information with them? '' The first staff member I spoke to could not answer. I requested to speak with a XXXX, XXXX, who again to refused to answer my question. Finally I escalated my request to the Equifax 's XXXX of Consumer Affairs. I repeated my question to the managing XXXX, XXXX XXXX. I told her I wanted to know what information Equifax requires of creditors before sharing my personal credit information with them. 

XXXX XXXX refused to provide this information. She said she could only give me the phone number for XXXX XXXX. I told her XXXX XXXX could not answer my question about Equifax policies. She repeatedly refused to tell me the answer to my question. She refused to tell me the name of her supervisor, or let me speak with them. She then hung up on me. 

It is my understanding that, reporting information that one knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. It is concerning to me that Equifax is providing my personal credit information to strangers, without my consent or knowledge, and is unwilling to tell me how or why this has happened. Additionally, the lack of interest Equifax has demonstrated in investigating this error, shows the company takes no responsibility in protecting my information in the future from those who seek to take advantage of my credit.
Consumer complaint received 2017-08-31
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. (WV)

I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XXXX and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  XXXX years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over XXXX years on my file that is incorrect. I have disputed the record and it was not taken off.
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.
Consumer complaint received 2021-08-10
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)

Hello, My name is XXXX XXXX. I am writing this 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 these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

No Contract_ I have requested proof of validation on several occasions. I asked for the original " alleged '' contract with my true signature and that of a qualified employee with the " alleged original creditor ''. After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. Since they failed to send me the requested proof I want this account closed and removed from my credit report
Consumer complaint received 2017-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc. (TX)

Hello my name is XXXX XXXX I have been filling out loan applications due to a hurricane that has hit XXXX Texas I am new to filling out loans online an I had someone call me due to an application i put on line. They asked for my online banking information I did not know I was not suppose to give that to them they said they were going to send me insurance money then deposit the loan i was very skeptical so I hung up An changed my online banking an I am going in the bank to change all my accounts as well but they have a copy of my drivers license and I am very worried they will commit fraud in my name please is there any help you can give me I do not want any crimes being committed with fraud in my name. The company is Eloan finance their numbers are XXXX area codes.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

Someone has applied for credit many times through multiple creditors causing the amount of inquiries to decrease my credit score. The only credit I have applied for was a XXXX XXXX Credit card and a mortgage through XXXX XXXX. The amount of inquiries has damaged my score so much It is making it difficult for me to finance my home.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please block this information from my credit report within XXXX business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Costco Citibank Visa credit card has started charging me and other consumers interest on purchases whenever you get a cash advance in the month even though I had paid the card balance in full for the previous statement closing balance. This is not how the terms of the Costco credit card are! I told Citibank customer service reps this should not be done, but they did not care to rectify it or interested in correcting it.      The initial Citibank rep could not understand it when I talked with her. This should tell you there is a problem here.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (WA)

We had XXXX XXXX  while living in XXXX XXXX. We cancelled services when we moved to XXXX state because they did not provide services there. In the terms and conditions of our agreement with XXXX the termination fee should have been waived. It wasn't. We made several attempts to contact XXXX and were transferred several times, but no resolution was ever made. On XX/XX/XXXX we were charged {$90.00} for that termination fee. We were then sent to collections via GC Services. They had my new address, and sent a dispute to XXXX. They then called me to tell me to send physical proof of our move beyond the fact we received their letter at our new home. We then had to call XXXX  again. On XX/XX/XXXX we tried 6 times to send an email to the address provided. XXXX. The email bounced back every time saying it doesn't exist. We called in again on XX/XX/XXXX and were told to try XXXX. It bounced back another 6 times. Now on XX/XX/XXXX I received an alert from the credit bureau that I have a collection account on my credit report! When the original debt is still in dispute!
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 # XXXX DEPT OF EDUCATION/XXXX Balance {$3500.00} Acct # XXXX DEPT OF EDUCATION/XXXX BALANCE {$6600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$2900.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1300.00} Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
Product: Credit reporting 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. (CA)

I filed a couple of complaints through CFPB about XXXX because incorrect credit record. They retaliated me by lowering my credit score significantly to punish me. Please update my credit score by using correct and updated data.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Was denied a loan to purchase a vehicle in the final stages of the process after having been approved and submitted documents requested to verify identity and income and when asked why the creditor suddenly reversed their decision they cited recent liens, evictions and judgements that do not exist on any of the reports with  XXXX ,  XXXX  or  XXXX . In addition their response after attempting to resolve was a repeat of reasons for denial and not where they got the information they based that decision on so I still have not been informed of where that information came from and therefore can not look into the data furnisher or dispute the incorrect information. They are required to give such information they based their decision on by law and have not. Also if the information was not obtained from  XXXX  of the  XXXX  consumer credit bureau s I dem and to know who is storing and providing data related to myself and my personal finances for which I have not authorized to do so and want any personal information of mine in their possession destroyed immediately along with distribution of my personal information to anyone without my authorization.
Consumer complaint received 2021-01-13
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at this address.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants Inc, ac ting as a debt collector representing  XXXX   XXXX   XXXX  has been contacting me from about early  XXXX  claiming that I have not returned  XXXX   XXXX   XXXX   XXXX  equipment to their client  XXXX   XXXX   XXXX  when my services were cancelled on or about   XX/XX/XXXX .  By the way, prior t o Diversified Consultants Inc. sta rting to contact me,  XXXX   XXXX   XXXX  had also been contacting me saying that I had not returned their equipment. I provided  XXXX   XXXX   XXXX  and subsequent ly Diversified Consultants Inc. a s well  with proof of my having returned the equipment. I provided Diversified Consultants Inc. proof of my having returned the equipment with pictures of the  equipment that I had taken inside the boxes before being packed up by their designated  XXXX  store as well as the work order receipt with the tracking # for the shipping provided to me from the  XXXX  store. This information was provided to  XXXX   XXXX   XXXX  of  Diversified Consultants Inc. vi a email sent to her o n XX/XX/XXXX  . I have the email and all attachments sent to  XXXX   XXXX . The calls and letters stopped as of that date leading me to believe I have finally resolved this issue. The collection letters and phone calls resumed all of sudden in   XX/XX/XXXX !!! I know see that as of this month, they have reported this debt I do n't even have with th e collection bureaus. The amount is for {$760.00}. I feel this is fraudulent, wrongful and irresponsible debt collection being perpetrated against me by both  XXXX   XXXX   XXXX  and  Diversified Collection , Inc  after repeatedly being provided with proof of my not owing this debt!!! I am so frustrated at how it has now gone on my credit report that I have worked so hard on building. I need this to be investigated and to have it removed from my credit report and any other  XXXX   XXXX   XXXX  or any collection agency working on their behalf 's account! Please help.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

I began a modification 2016. After 6 months and no communication I found that not all documents sent were received. The modification was denied. I then reapplied and it was cancelled AGAIN stating not all documents were received. I have receipts that show all items were faxed and received. After a year of dealing with the modification I was told that I did not make enough money and due to my debt to income ratio the modification was denied. I re-submitted my most recent modification as I was now working full time and could more than qualify me. During this period I was told that my house is in foreclosure and a date has been set. This is a violation of my rights and I can actually sue as a a modification was in process and a foreclosure was initiated. I was then told that my modification was denied because a payment could not be established lower than the previous payment. I informed them that I could accept the same payment or higher now that I am working full time. They told me that that was not in the guidelines why they do modifications. I told them you would be helping me by refinancing the amount that is past due and that would help me. Nope, bring the loan current or foreclosure. I can not not believe the poor service I have received. I have a new agent for this account on a monthly basis. I receive no communication during the modification process. I believe that at this point they just want the foreclosure. The modification was just lip service. I counted on that modification to help me when I fell behind because of part time employment.I obtained full time and yet that has no bearing. I live with my two children and we are soon to be homeless. I am not a person that does n't pay their bills. I have a XXXX and have always worked but fell on hard times. Their greeting on their phone messages states they are there for the victims of Hurricane Harvey ... ..what about the current customers that have fallen on bad times? I would n't wish these sleepless nights on anyone!!!