davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (MS)

When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.
Consumer complaint received 2024-10-24
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. (IN)

This CFPB complaint has been filed to request pursuant to FCRA ss 605B ( 15 U.S.C. ss 1681 c-2 ) that you, The transunion credit reporting agenecy, 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. These fraudulent accounts consist of a charge off account opened at XXXX XX/XX/year>, under account number ( private ), a charge account opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, under theaccount number ( private ), a charge account opened at XXXX XX/XX/year>, under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 aforementioned fraudulent items. I do not recognize the aforementioned 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 aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of the FTC Identity Theft Criminal Complaint # ( Privated Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity theft and fraud. FTC claim XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-17
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)

This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I check my report regularly, but this time, there were sudden discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inquiries were still there. Im incredibly frustrated and want the documents I sent to be reviewed thoroughly, so I can stop worrying about this once and for all.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
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. (NV)

Subject : Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

The account in question is associated with Pro Collect, opened on XX/XX/year>, for the amount of {$170.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. 

According to the FCRA, it is imperative that all information reported to credit reporting agencies is accurate and complete. The failure to report the correct payment status constitutes a violation of federal law. Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. 

Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you are unable to provide accurate reporting. 

Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

I disputed this debit at least XXXX times with all three credit bureaus and each time it comes back as 'verified ' and they will send me old statements. The statements are to addresses that I have never lived it as these debts are not mine. 

They will not provide further proof that it was actually ME, no identification was used so it's essential there word against mine and their only proof is the statement. No application or anything. This debt is not mine. I personally did not apply for or use this card. That's why whoever did only maxed it out and never made a payment as it was a complete scam.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

On XX/XX/year> I tried to call this company to satisfy the payment and asked them if I paid it will they take it off the credit report and they said " No '' not only have they been " HARASSING ME '' calling and sending correspondence to pay.

According to law : 15 USC 1692 ( c ) Law states : if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must all communication.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

On XX/XX/XXXX, I reached out via email to CredenceRM ( www.credenncerm.com per their letter ) to notify them that their website they pointed me to validate my debt and pay the balance did not work. The subject line was " Dispute '' and the account number they listed on their letter. On XX/XX/XXXX, I received an email noting they would respond to my concern shortly, basically an acknowledgement of the request I had made. I received no other communication from this company and on XX/XX/year>, they reported my balance to at least XXXX of the XXXX major credit bureaus. I question this debt with CredenceRM because on XX/XX/XXXX of this year, another company called " XXXX XXXX XXXX '' sent me no letter at all yet reported this same debt to XXXX of the XXXX major credit bureaus and 30 days later removed that reporting from my credit file without any notice or communications with me. When I attempted to access CredenceRM 's website at the web address per their letter, the website did not work. I tried it for days, various times throughout the day, both on my I-phone and my XXXX pc . My husband tried as well without luck and we had assumed this was fraud. So I wanted for their response. Their response was simply to report my balance to the credit bureaus, and I manually looked up their website and made the payment as I am in the process of securing a mortgage for a home. Please help me fight against these unfair communication practices. I believe they are to report that the account is in dispute?
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount GR Holdings, LLC (CA)

I did not authorize the purchase of {$52000.00} indicated in my credit report. I did not allow Goodleap to run my credit on $ XXXX last XX/XX/year>. Their client XXXX XXXX, had asked a Developmentally Delayed resident on my property to sign a contract to do the work. I have no knowledge of the contract never saw any paperwork of estimates, application of credit and contractual obligations. The XXXX XXXX and Goodleap colluded in taking advantage of the DD individual. I was able to find out when Goodleap put a lien in my property for the landscaping amounting to {$52000.00}.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-18
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. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX Balance : {$730.00}
Consumer complaint received 2024-10-24
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. (TX)

I recently discovered some unauthorized inquiries on my credit report, which raises concerns about potential identity theft. Could you please someone has submitted applications or requests using my name without my consent I would like to remind you that, in accordance with the Fair Credit Reporting Act ( FCRA ), any unverified and unauthorized items must be removed from my report immediately. Thank you for addressing this issue promptly.
Consumer complaint received 2024-10-24
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. (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : XXXX account number XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (GA)

There are several accounts inaccurately reporting on my credit report. I have no idea where these account come from. I am tired of disputing accounts that do not belong to me. Not to mention, the creditors that are reporting this information are refusing to investigate the matter. This has to be illegal for them to do this. Please assist me in getting this matter resolved and removed from my credit file. 

The following accounts are not mine : XXXX XXXX XXXX showing on my XXXX XXXX XXXX showing on my Transunion and XXXX XXXX  showing on my XXXX
Consumer complaint received 2024-10-23
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. (VA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXXXX/XX/XXXX - {$89.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IN)

I have a Fortiva retail credit account with XXXX XXXX, and the account is paid in full. While maintaining a XXXX balance Fortiva has decided to increase and impose an annual fee without my knowledge or consent, citing an automated mass email they sent out to all users as authorization to impose this new fee. I never saw the email nor did I sign or agree to the fee increase or new fee structure. It is completely a predatory action by Fortiva towards all users in hopes that they will not read their email, stating that we dont have to agree to this change, and that we would just pay or otherwise not notice the annual fee change.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : KIKOFF Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX  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 2024-10-24
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. (AL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 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 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I am a XXXX XXXX Military member with a Home of Record of Louisiana which is a my state of residence. I provide my orders and XXXX XXXXr Data Summary showing this information. Toyota seems to not know about the Louisiana provision of the SCRA so they are denying my benefits.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im seeking your help to address this incorrect account appearing on my credit report. This concern has been brought to your attention because it has harmed my reputation, and I need your assistance. Due to your mishandling of my credit report, the incorrect information has devastated my reputation. These errors must be corrected so that I can live peacefully with my family.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.