davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : FRAUDULENT XXXX, XXXX, EQUIFAX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.
Consumer complaint received 2024-08-13
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. (GA)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hi my name is XXXX XXXX XXXX XXXX. I reviewed my credit report and came across multiple inaccurate fraudulent accounts that must be removed immediately. I am a victim of identity theft and this is my second attempt ro have this information removed. As a protected consumer i know my rights section 605b of the FCRA. Ive provided the necessary documents needed to get these inaccuracies resolved. Thank you
Consumer complaint received 2023-07-31
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. (IL)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-11
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. (AZ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XX/XX/
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-05-11
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. (KY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

THE AUTO LOAN WAS PAID OFF EARLY. MY VEHICLE WAS INVOLVED IN AN ACCIDENT, AS A RESULT THE VEHICLE WAS A TOTAL LOSS. MY INSURANCE COMPANY SENT A LUMP SUM PAYMENT TO XXXX XXXX XXXX. THE LOAN BALANCE WAS OVER PAID. XXXX XXXX SENT ME THE MONEY OVER PAID BY MY INSURANCE COMPANY. MY LOAN WAS PAID OFF A YEAR IN ADVANCE IN FULL. 

XXXX XXXX PUT ON MY CREDIT REPORT A CHARGE OFF, DELIQUENT, COLLECTION AND A BALANCE CHARGE OFF. THERE WAS NO BALANCE OWNED AFTER THE LUMP SUM INSURANCE PAYMENT.
Consumer complaint received 2016-05-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I am a victim of the XX/XX/XXXX/XX/XX/XXXX housing failure. I was able to modify my XXXX Mortgage with XXXX XXXX back in XX/XX/XXXX. All has been great, I 've made all required payments, and am now at the end of the HAMP ( Modification process ). Unfortunately CitiMortgage who held the XXXX did not comply with the HAMP Program and Modify or Extinguish their Loan ( as per the HAMP Program Rules ). But here 's where it gets confusing ( to me ), after receiving my end of year tax statement from Citi in XX/XX/XXXX, the statement read, Owed - {$100000.00}, Paid - {$100000.00} and the balance was XXXX, I thought all was good and that Citi Extinguished the loan, and I have n't heard from Citi Mortgage in 7 years. And when I call the CitiMotrtgage Bankruptcy number, it states, " We no longer manage this loan, it has been paid in full on XXXX XXXX, XXXX ''. 
Then, I went to re-finance XX/XX/XXXX, and now XXXX years later, I found out CitiMortgage sent my Loan off to the Recovery Dept., and held the Lien on my house. They did nothing to work this out ... I have all my notes from XX/XX/XXXX of who I spoke to on what days, etc., with Citi, and all of my effort to do the right thing back in XX/XX/XXXX. I have sent these notes to them twice, and do n't believe for a second anyone read any of it. I say this because the last time I called and spoke to them, they kept asking me questions that would have been easily answered, if they had taken the time to read my comments. And CitiMortgage has admitted to me on the phone they did n't get all my paperwork I sent them, to the correct Dept. Their mistake never allowed me to modify the XXXX Mortgage. They dropped the ball so many times, gave me the complete run around, transferred me to dept., after dept., told me the Modification was under way, but they did nothing to comply with the HAMP Program. 
They are now still holding the Lien on my house for {$100000.00}, and are telling me that they wo n't release the lien until I pay them in full ... but after finally speaking to the right person, they say now they 'll take at least 25 % of that loan. Or they tell me to do a short sale. I 've put too much blood sweat and tears into my home, and I 'm not walking away at this point!!!!! Besides CitiMortgage is Triple dipping here!! They wrote this loan off as a bad debt. in XX/XX/XXXX, took in money from the Obama bailout, and now want me to pay for a loan that they should have extinguished in the first place!! I have since offered them {$5000.00} dollars to settle this. They refused and countered back with the 25 %. I ca n't do this! I countered back with $ XXXX to $ XXXX, but have not heard back from them. I would be borrowing this money, because I do n't have this kind of money in the bank. And paying this back will take me forever ... 
I am asking for your help with this matter. I want them to extinguish this loan. I tried very hard to get them to comply with the HAMP Program in XX/XX/XXXX, and they totally messed everything up.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

On or around XX/XX/2023. I called COMENITYCAPITAL/XXXX because I noticed while checking my credit report that they had reported that I was behind 90 days on my payments on the credit card. I reached out to them and asked them I didn't even know there were a charge on the account. They told me what the amount was plus late fees. The company agreed to take away the late fees if I agree to make full payment when I called. I asked them If I make a full payment, I would like the company to remove the late payments off my credit report and report it as " paid on time ''. The individual agree to fix the " past due '' status to " paid on time '' once I make a full payment. 

I decided to make a full payment, I waited over 30 days and my credit report is still reporting the " past due '' status for the month of XXXX, XXXX, and XXXX which were suppose to be " paid on time ''. At this time the company has violated 15 USC sec 1692e.
Consumer complaint received 2023-05-11
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. (CA)

This complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CO XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One XX/XX/2020 stated in letter on XX/XX/2020 they ran credit with XXXX in which i did not request no credit increase nor call or sign any thing with Capital One Bank requesting a credit increase in which appears on my inquiry page of credit ran with out my permission. Capital one has done a very deceptive thing regarding me and saying i ask for credit increase. 
I'm also filing a complaint with the US Attorney office regarding this matter.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NY)

Yesterday I log in to my XXXX to check my credit report, I saw XXXX sent me to collection for {$980.00} which I still have XXXX as my phone career and still paying my monthly bills so I called XXXX last night and spoke to a representative she told me they dont have me on their system that I owed them then I ask them to escalate the call to a supervisor and then they told me the supervisor will call me back then the supervisor call me back reassure me that they did not send me to collection agency and she told me she will get to the bottom of it to contact the credit bureau to make sure to delete the collection off my name. The name of the collection agency is Source receivable mng.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-05-11
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. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not disputing anything on my credit report as of today. Please open my credit file up as of today please
Consumer complaint received 2023-05-11
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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. (TN)

I sent several letters to all three credit bureaus- however, none have returned responses or had investigations. This is hampering my ability to get credit. I have great credit and these small, inaccurate items are affecting my ability to obtain credit.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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. (PA)

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2024-08-23
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. (OH)

Delate my inquiries of my credit XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( FINANCE ) XXXX -- XXXX XXXX XXXX XXXX ( FINANCE ) XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX VIA DEALER ( FINANCE ) XXXX XXXX XXXX ( BANK XXXX XXXX XXXX XXXX  XXXX ( AUTO ) XXXX XXXX  XXXX ( FIANANCE ) XXXX XXXX  XXXX ( BANK ) XXXX XXXX ( BANK ) XXXXXXXX XXXX XXXX XXXXXXXX ( BANK ) XXXX BANK XXXX XXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On Thursday XX/XX/2022 @ XXXX XXXX  I received an email from XXXX XXXX XXXX XXXX regarding A Credit report alert stating that my credit score had decreased by XXXX points. 
On Friday! ! XXXX, I contacted XXXX XXXX XXXX XXXX XXXX which I have Savings and Checking accounts with and an auto loan. I was told by a XXXX associate that I should contact Trans Union Credit Bureau because that is where they received this information. I immediatly contacted them and spoke with a agent who reviewed my information and could give me no reason why my credit score had been lowered by XXXX points and advised me to request a free trans union credit report and purchase for XXXX cents my credit score. I did all of the above, reviewed my report and score and can not understand why my score was decreased by XXXX points. The report shows 4 positive factors and 4 negative aspects. 

Positive Aspects 1. Total of all balances on bankcard or revolving accounts is not too high 2. You have few or no accounts that were opened recently 3. There are no or only a few recent delinquencies on your accounts 4. The balances on your accounts are not too high compared to loan limits Negative Aspects 1. Lack of sufficient credit history on bankcard or revolving accounts 2. Balances on bankcard or revolving accounts too high compared to credit limits 3. Lack of sufficient relevant first mortgage account information 4. You have either very few loans or too many loans with recent delinquencies Looking at both of these aspects, Positive # 1 contradicts negative # 2 positive # 3 contradicts negative # 4 My mortgage is 2 years and 7 month old with the XXXX XXXX XXXX XXXX XXXX, always paid on time with a balance of {$260000.00} I have absolutely NO DELINQUENCIES I spoke to an Agent on Friday who could not or would not answer any question, when I asked to speak to a supervisor i was told i would receive a call back within 72 hours at XXXX XXXX  EST. I did not, I called back today and first spoke to XXXX who suggested that I open a new credit card, which may help, and I asked for someone who could answer my question and was transferred to XXXX, who was very nice but could not rectify the problem. 

I feel this is a scam to try to get me to subscribe to their credit protection service for {$24.00} a month or get me to apply for more credit cards.I would like my credit score returned to where it should be XXXX. Thank You XXXX XXXX