davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX is listing my personal information as, " Formerly Known As '', XXXX. Further, on their options to " DISPUTE '', EQUIFAX is providing no options. I have provided a copy of their website showing this listing of a name I have never been known as, and EQUIFAX providing NO option to dispute.
Consumer complaint received 2021-12-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (FL)

On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. XXXX XXXX XXXX  I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

About a month ago upon checking my credit report I noticed a collection from a collection agency called Transworld Systems was on my credit report. I attempted to contact the debt collectors on several occasions requesting in writing a verification of how and why do I owe {$1200.00}. On XX/XX/XXXX I contacted the agency for the second time with the same request and on XX/XX/XXXX the agency called me back asking about payment I again requested in writing an explanation of the debt. The agency stated that they would have contact the original creditor and send me out a statement and then said or I can pay the bill in full. 
I again contacted Transworld systems by phone on XX/XX/2020 inquiring about the written date or bill again they told me that there was nothing they can do and they have requested a summary from the original creditor XXXX XXXX XXXX I insisted that I needed to clear this issue up as soon as possible to no avail, they kept telling me the same thing over and over again
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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.

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 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act XXXX  Sam 's Club account has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Albert Corporation (RI)

I received a card in my name for a service named XXXX. The letter told me that my card is ready for use. I looked the company up online and was directed to a support email. The company told me if I believed this was fraudulent they would close the account and to report to law enforcement. 

I have never used this service, nor do I know what it is!!! I am disgusted that a company would allow this to happen without verification of my identity.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

Date- XX/XX/2021 amounts- {$70.00} actions that were taken by you or the company- Company has sent multiple letters requesting payment in response to money owed from XXXX. ( which is non-existent debt after speaking with XXXX  customer service )
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

TO GET TO THE POINT, THIS COMPANY RUINED MY CREDIT! I have first bought a XXXX XXXXXXXX XXXX  XXXX XXXX XXXX from this company. XX/XX/XXXX, with a down payment of {$8500.00} the full amount was {$10000.00}. I finaced the remaining {$1900.00} with 3 monthly payments of {$640.00} beginning in the month of XX/XX/XXXX and ending on the month of XX/XX/XXXX. I made every payment on time and you can verify that through this company. This company decided to report what I financed XXXX months ago in the month of XXXX. Everything they reported was highly incorrect. I'm very unpleased with what they reported. I also spoke to the agent she told me " one of her workers was in a rush I'm sorry for the mistake '' that's very unprofessional also, the title I have in hand proves that the release of lien or security interest is XXXX, its also signed by there agent. Which proves that my last payment was received in XXXX. This company decided report that the account was closed on XX/XX/XXXX, with 67 % missed payments. Also they stated that I first made my payments in XX/XX/XXXX instead of XX/XX/XXXX. I'm highly upset with this company and want to take legal action against them. Also when I call this company phone number they are not cooperative. They are treating me as if they don't care about my credit. They keep telling me we are waiting on Equifax to get back to us. Instead of getting in contact with them. This company ruined me in the long run and this is how they go about turning people credit. They delay the whole process. Also, I can show everything that proves this company is highly unprofessional. Thanks for giving me the time to let you know my problem.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my identity was stolen ( wallet, phone and XXXX  watch ) - the people who have stolen my identity have opened lines of credit, withdrew {$6200.00} from my bank account from a teller ( XX/XX/XXXX ), cashed checks in my name ( XXXX and XXXX on XXXX XXXX ), filing inquiries, using my ID to rent cars from XXXX and other rental companies and stealing the cars. They recently got in a car accident and provided fake identification ( which was my name and information ). I was notified from the persons insurance company who was hit in the accident. A police report is on file with detective XXXX XXXX XXXX I have still yet to be refunded by Chase bank and have little to no updates on refunds. 

XXXX XXXX Case Number XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit report includes items that stem from fraudulent activity, none of which I ever authorized or benefited from. This situation misrepresents my character and is deeply upsetting. My rights have been violated, causing significant distress. Although I've already reported this to the Federal Trade Commission, these items still remain on my report. Its frustrating to see that the very system designed to protect individuals in my situation hasnt provided a resolution.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CO)

My XXXX XXXX credit card was recently transferred from XXXX to Barclays. I received the new credit cards ( one for me and one for my husband, who is an authorized user ) in the mail a few weeks ago. The mailer says to contact Barclays to activate the cards after XX/XX/XXXX. When I called Barclays on XX/XX/XXXX they won't activate my cards and they are telling me to contact XXXX, where my account shows as closed. 

Barclays may have therefore is not permitting me to access my credit, but they have not provided me with an adverse action letter if they took adverse action to restrict my credit card account. The letter with the cards indicates that I have a credit line and should be able to use it. It would be a violation of Regulation B for a creditor to take adverse action without providing an adverse action letter. Additionally, it seems unfair and deceptive to send a credit card and tell the person to activate the account, but then not permit the person to activate or use the account with no path to be able to use the account.
Consumer complaint received 2024-10-28
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CO)

my email is XXXX. I dont know where to change it.I had 2 payments to my account on XXXX and XX/XX/XXXX but not from my bank. The amounts were XXXX and XXXX. In the meantime charges were placed before these deposits were sent back to the bank. Following are charges that I didn't make. 
XXXX XXXX   for XXXX. I looked up my purchase history and I do not have anything that was ordered for that amount. 
same with XXXX on XX/XX/XXXX for XXXX,. 
XX/XX/XXXX ( XXXX ), XXXX, XX/XX/XXXX ( twice ), for XXXX. I don't have anything to show for this and I have a XXXX XXXX card I could use. on XX/XX/XXXX another XXXX XXXX charge for {$600.00}. I is amazing how my supposed purchases came out with an even number. I have cash being taken out from a gas station for ( XXXX on XXXX and XXXX on XX/XX/XXXX ) and XXXX   on XXXX for XXXX for XXXX  products. I don't have any XXXX products nor do I ever withdraw cash from a credit card nor get cash from a gas station. These are only a few I have questions about
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To Whom It May Concern : We have been paying the mortgage as agreed since the start of the loan and paying the loan a year or month 's in advance. The mortgage company was supposed to start the automatic deduction of the mortgage amount for the month of XX/XX/year> but didn't. I noticed this didn't happen and I made the payment on XX/XX/year> for the month of XX/XX/year>. I made the payment for the month of XX/XX/year> on XX/XX/year> but the credit bureaus are showing I have a late payment for the month of XX/XX/year>. 

I have attached all of my payments from XX/XX/year> to XX/XX/year>.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

A CREDIT CARD WAS OPENED FRAUDULENTLY UNDER MY NAME WITH DISCOVER. AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT CREDIT CARD I CONTACTED DISCOVER AND I ASKED THEM TO CLOSE THE CARD, AT THAT TIME I GAVE THEM MY CORRECT MAILING ADDRESS, EMAIL AND A PHONE NUMBER. DISCOVER NEVER UPDATED ANY OF THE INFORMATION I GAVE THEM. THEY APPARENTLY MAILED A FINAL BILL TO THE ADDRESS THAT DOES NOT BELONG TO ME. I HAVE NOT RECEIVED ANYTHING FROM DISCOVER AT MY CORRECT ADDRESS THERE IS NOW 4 MONTHS NEGATIVE REPORTING ON MY CREDIT PROFILE FROM DISCOVER. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE ALSO REPORTED THIS TO THE LOCAL POLICE STATION AND TO FAIR TRADE COMMISSION, AND TO THE CREDIT REPORTING BUREAUS.
Consumer complaint received 2024-11-04
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I HAVE BEEN TRYING TO GET MY MONEY BACK FROM THE CREDIT CARD COMPANY CHASE BUT WHEN I CALLED THEY NEVER HELPED ME WITH ANY OF THESE TRANSACTIONS. I WAS CHARGED 3 TIMES FOR CHARGES I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. MY ACCOUNT IS NOW CLOSED AFTER ME HAVING TO PAY FOR THESE TRANSACTIONS I NEVER MADE. PLEASE HELP ME. I WILL LIST THE DATES AND AMOUNTS OF CHARGES THAT WERE FRAUD ; XX/XX/XXXX XXXX XXXX XXXX CARD LAST FOUR-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX CARD LAST FOUR-XXXX XXXX XXXX XXXX- XXXX XXXX  LAST FOUR-XXXX ALL THESE CHARGES ARE NOT MADE BY ME AND ARE FRAUD, PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KS)

On XX/XX/XXXX I had a house fire. I filed it with my insurance company and they cut checks to myself, my ex husband and the mortgage company. In XXXX of XXXX I sent the mortgage company a copy of my divorce decree and a quit claim deed my exhusband signed during our divorce, because the mortgage company said that was the only way they would be able to send me the insurance money in just my name. They approved that and on XXXX XXXX they issued the first check written out to just the XXXX and I for {$26000.00}. After many weeks of dealing with the mortgage company to schedule our final inspection when the house was fully repaired they finally came out and we passed the inspection. On XX/XX/XXXX I received the final draw of the insurance money except the check was made out to the contractors and my ex husband. That day I called and told them I am not able to get my ex husband to sign the check so I needed them to place a stop pay on this check and issue one with only the XXXX 's name and mine. They have my divorce decree and quit claim deed on file. They had to send the request in for an exception and have to review the documents that they have on file. This has been going on for over a month now and I have the XXXX hounding me for the last {$11000.00}. I am not sure why they could send a {$26000.00} check with my name instead of my ex husband but they refuse to do it with {$11000.00}. I need this money to finish paying the contractors and I am tired of calling the mortgage company daily to only hear the same thing, that the exception is still pending. They have had this money for close to a year now in their accounts building interest while I get constant calls from the contractors when I have no control over it. I need someone to finally step in and do something with this mortgage company!!!!!
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 — Account status incorrect
Company: EQUIFAX, INC. (TX)

EQUIFAX REPORTED ACCOUNT '' XXXX XXXXXXXX XXXX XXXXXXXX '' WHICH WAS DELETED A YEAR AGO, IT IS NOT AN OPEN ACCOUNT, THATS INCORRECTLY REPORTED. IM NOT RESPONSIBLE FOR DEBT COLLECTION THATS SOLD TO ANOTHER CREDITOR, I NEVER WENT IN DEFAULT WITH " XXXX XXXX '' ( CREDITOR ). I HAVENT BEEN PROVIDED WITH INFO, XXXX REPORTED TO CREDIT BUREAU NOT GOOD ENOUGH FOR INVESTIGATION. SHOW ME IM IN DEBT WITH COMMON FINANCIAL
Consumer complaint received 2022-04-12
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. (TX)

Upon reviewing my report incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. 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 2024-11-03
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (NC)

Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ''