davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (MO)

I disputed my consumer report with XXXX, XXXX and Equifax through certified mail. I received my investigation results in the mail and all the information I disputed was STILL inaccurate AND incomplete. I called XXXX today ( XX/XX/2023 ) and the woman with XXXX was very rude and did not want to hear anything I had to say about inaccuracies. I requested that I be sent proof of the procedures they used to investigate my dispute in a separate communication and upon continuing to argue with me, she hung up on me before the problem was resolved. 

It is to my understanding that by law, when being disputed, these consumer reporting agencies are supposed to put in the comments of each account on my consumer report that " this account is in dispute and are being investigated ''. Only Equifax did that on their report. XXXX and XXXX never put that in any of the comment section ( s ) of any of the accounts in question. Payment History is inaccurate for each account amongst all three credit reporting agencies ( XXXX, Equifax, XXXX ). The furnishers on my credit report have not responded to me about charge-offs and they've never sent me 1099-C forms. I believe the companies at hand are committing tax fraud. Multiple furnishers do not even have permission to report my consumer report. I have requested to be opted out of such reporting and to please give me the necessary documents to opt out of them reporting to these agencies asap. 

15 U.S Code 1681a ( 2 ) ( A ) ( i ) suggests that transaction ( late payments ) and experiences ( utilizations ) are to be excluded from consumer reports. We, the consumers, are entitled to privacy and 100 % complete accuracy. I believe these third part agencies ( XXXX, Equifax, XXXX ) are failing to protect our privacy and personal information. I never gave them or anyone furnishing information on my consumer reports permission to share my information with anyone. All of my negative accounts, late payments, and utilization needs to be deleted at once amongst all credit reporting agencies ( XXXX, XXXX, Equifax ). Multiple Hard Inquiries are on my consumer reports without my consent and after disputing are still not being taken off. 

Furnishers of my personal information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX are reporting without my consent. 

XXXX, Equifax, and XXXX are failing to verify accurately and to uphold their standards of accuracy. They are negatively impacting the livelihood of countless consumers and should be held accountable for the incredible amount of damage they are doing. They fail to realize that us consumers are the ultimate furnishers of information.
Consumer complaint received 2022-04-04
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. (VA)

I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to Equifax from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called XXXX next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted XXXX again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with XXXX I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on XXXX so I am asking for help here.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

My name is XXXX XXXX. I am reaching out for help because US Bank whom I had XXXX credit cards with but paid off and closed in XXXX and XXXX continue to damage my credit report. About 5 years ago I became extremely ill and could not work for about 6 months. I had XXXX credit cards at the time, XXXX from US Bank. I called US Bank and explained my situation and asked them to please lower the high interest rates, they would not at all. I had to use my credit cards to survive. 

When I got better, the amounts were high and I had to figure out how to repair my financial situation so I reached out to a credit/debt support company, XXXX XXXX XXXX XXXX ) XXXX. They helped guide me to pay off agreed amount with the credit card companies. US Bank was quite difficult to work with even though I had been a good client of US Bank for over 15 years. I paid off all the agreed upon amounts and confirmed that my cards were closed. My other credit card company accepted and was professional. US Bank, even though they received all the money, continued and to this day continue to damage my credit. The " Debt '' section of US Bank Credit Cards, does not allow a person to call or even email with questions or to discuss. They only accept mailed letters. I have asked them in past to please drop their penalities on my credit through letters and they refused. I even hired XXXXXXXX XXXX ( financial assistance ) to help try to repair my credit but this was just money wasted trying to figure out how to repair my credit damage caused by US Bank Debt Section : XXXX Disputes for US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX On XX/XX/XXXX, I sent another certified letter that I still on XX/XX/XXXX have NOT received a written response back. I called the US credit card customer service and they told me that again she saw that the Debt section had rejected my request for them to please remove the damage and penalties to my credit as they were paid in full by XXXX. And again, I was told my only way that I can " talk '' to them is through lettered mail. This seems incredibly unjust to me as it keeps them on a pedestal where they can continue to not have to answer to customers they are penalizing unfairly as they just can ignore customers without real explanations if any at all. Basically, they just ignore and cause destruction to people 's financial credit and hope. And, this is exactly what they have done and as a result my credit score has continued to be damaged for years by them unjustly as like I said, they received all their money and I closed those credit card accounts years ago. 

I really appreciate your time and hope that you can help me. I feel like this in incredibly unfair and unjust. I look forward to hearing from you and am happy to answer any questions that you may have. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed my consumer report with Transunion, XXXX and XXXX through certified mail. I received my investigation results in the mail and all the information I disputed was STILL inaccurate AND incomplete. I called Transunion today ( XX/XX/2023 ) and the woman with Transunion was very rude and did not want to hear anything I had to say about inaccuracies. I requested that I be sent proof of the procedures they used to investigate my dispute in a separate communication and upon continuing to argue with me, she hung up on me before the problem was resolved. 

It is to my understanding that by law, when being disputed, these consumer reporting agencies are supposed to put in the comments of each account on my consumer report that " this account is in dispute and are being investigated ''. Only XXXX did that on their report. Transunion and XXXX never put that in any of the comment section ( s ) of any of the accounts in question. Payment History is inaccurate for each account amongst all three credit reporting agencies ( Transunion, XXXX, XXXX ). The furnishers on my credit report have not responded to me about charge-offs and they've never sent me 1099-C forms. I believe the companies at hand are committing tax fraud. Multiple furnishers do not even have permission to report my consumer report. I have requested to be opted out of such reporting and to please give me the necessary documents to opt out of them reporting to these agencies asap. 

15 U.S Code 1681a ( 2 ) ( A ) ( i ) suggests that transaction ( late payments ) and experiences ( utilizations ) are to be excluded from consumer reports. We, the consumers, are entitled to privacy and 100 % complete accuracy. I believe these third part agencies ( Transunion, XXXX, XXXX ) are failing to protect our privacy and personal information. I never gave them or anyone furnishing information on my consumer reports permission to share my information with anyone. All of my negative accounts, late payments, and utilization needs to be deleted at once amongst all credit reporting agencies ( Transunion, XXXX, XXXX ). Multiple Hard Inquiries are on my consumer reports without my consent and after disputing are still not being taken off. 

Furnishers of my personal information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX are reporting without my consent. 

XXXX, XXXX, and Transunion are failing to verify accurately and to uphold their standards of accuracy. They are negatively impacting the livelihood of countless consumers and should be held accountable for the incredible amount of damage they are doing. They fail to realize that us consumers are the ultimate furnishers of information.
Consumer complaint received 2023-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc (TX)

This account was paid and closed and should have been removed from all XXXX of my credit reports but it is still reporting to XXXX and XXXX. I spoke with someone at the time of closing, and it was agreed that the account would be removed after the account was paid. Please submit an AUD form to XXXX informing them to remove this account just as XXXX and XXXX has. I informed them that they are reporting false information and that I can sue them under the FCRA and they have informed me to contact the creditor. There are also XXXX different account numbers reporting for this account which is also a violation due to inaccuracy. XXXX is reporting account number XXXX while XXXX reports XXXX. Please remove this account from my credit report as the debt has been paid and this is causing me extreme hardship.
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (PA)

Today is XX/XX/XXXX. I have a mortgage through Amerihome Mortgage who purchased my loan in XXXX. I went through a two month period where I didn't receive my normal XXXX XXXX payment and I fell behind on my XX/XX/XXXX and XX/XX/XXXX payments. I called a HUD financial counselor for advice and they suggested I ask to participate in a repayment program. 

When I called Amerihome to request a repayment plan option, they told me that they did an escrow analysis and my school taxes jumped from around XXXX to XXXX a year. AS a result, my monthly mortgage payment starting in XX/XX/XXXX ( I am atatching the statement ) going forward is now XXXX dollars. Due to the high payment, I did not qualify for a repayment plan option. 

I got copies of my tax bills from our County Assessor 's office to verify that my taxes hadn't gone up that high - actually not a t all. I called Amerihome back and tried to get answers on who how and why they decided my school taxes were XXXX a year. They told me that just happens sometimes and they have no control over it. I spoke with the person in charge of my escrow account and he had no explanation either. They told me they were going to put in a work order to do an investigation which would take about 30 days. 

In the meantime, hey repayment plan is not an option for me and in another 30 days I will be in a worse situation. I can get caught up for XX/XX/XXXX for now but the XX/XX/XXXX payment is XXXX and this company does not accept partial payment. I went down that road before where I sent two partial payments of XXXX and XXXX, they cashed one of the checks, then sent me letters saying I owed the full amount because they don't accept partial payment. It took me almost two months of arguing to get that money back from them. 

I need help and clearly my school taxes aren't XXXX!
Consumer complaint received 2023-06-28
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 XXXX  Account # XXXX, with XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-28
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)

XXXX XXXX XXXX Date of BirthXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ XXXX / XXXX XXXX Transunion ] , I am writing to request an investigation of the following information on my [ XXXX / XXXX XXXX Transunion ] credit report : Dispute 1 : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute 2 : The charge-off of an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute 3 : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute 4 : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute 5 : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC (AL)

I called AscensionPoint Recovery Services at XXXX XXXX. on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was XXXX.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

We applied and were approved for a new car loan through Toyota Financial Services. We also requested their advertised {$500.00} rebate through their " XXXX XXXX XXXX XXXX ''. The car dealership ( TX ) loan officer said that my child needed to provide an official transcript showing enrollment in an accredited graduate program and a current pay stub to qualify for this program. We provided a transcript from the university XXXX XXXX XXXX  showing that they are accepted, enrolled, and will be starting XXXX school at the university. We also provided a paystub for the past month from a US govt agency showing that they had a job and was being paid through a fellowship administered by the government agency. The loan officer now claims that these documents were not accepted by Toyota Financial Services as proof of enrollment in graduate school and employment. They are now claiming to need letters from the university XXXX XXXX and the government agency stating my child is enrolled and employed, respectively, This really feels like a bait-and-switch program.
Consumer complaint received 2019-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (CA)

I received a correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of Pinnacle Credit Services. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with Pinnacle Credit Services. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Kohls charge account was opened online in my name using my SS #, DOB, and phone number. The address used was not an address I have ever lived at, but was an old address of my ex husbands. ( I dont think he had anything to do with this though ). The email used was not my email or one that I recognize. They told me that the purchase was for a crew neck shirt, sports bra, and a body suit and was ordered to pick up at a store but they would not tell me what store. The only reason I even know about the account/charges is because I began receiving calls on my phone to make a payment. I dont even have a Kohls account so I contacted them to see what the issue was. I originally called them on XX/XX/year> and kept getting calls so I called back and they said their investigation concluded that I had indeed opened the account. I have been told they will investigate again but they say it may take up to 60 days. Meanwhile it is on my credit report when I have nothing to do with the account/charges. I told them that I was informed I was a victim of the XXXX & XXXX data breach. They have not been helpful in resolving this issue at all. They have never asked for a police report or really any information from me other than to verify my personal information. I am willing to file one if I have to, but is extremely frustrating that I am spending hours of time trying to fix this when I am a victim of fraud.
Consumer complaint received 2023-06-28
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. (FL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. These are not mine.
Consumer complaint received 2019-01-12
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: Experian Information Solutions Inc. (TX)

I contacted Experian twice about a collection account that recently popped up on my report. 

I fixed a dispute twice and told them the balance reported was wrong. That I am a customer of the debtor and I owe {$160.00} not {$870.00}. I also have pictures from the original merchant showing how much I owed them. Experian refuses to take it off of my account or resolve this and it dropped my score. The original merchant is XXXX, not XXXX.