davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (VA)

Doing to the fact of ongoing disputes to these companies I am seeking compensation of {$2000.00} for each company due to the violations of my rights which their violated 15 USC 1681 A, and violation of 15 USC 1681 B2 I am seeking documentation in regards of my consent to these companies they are furnishing my credit report without written consent from me they should remove every inquiry off my credit report without documentation of my consent, it states in 15 USC 1681 B2 they have to have written consent from me to furnish my credit report and I didn't give no consent to none of them 15 USC 1681A, accuracy My credit report is not accurate at all due to these companies that do not have my consent to furnish my credit report, this is not my first time disputing this I believe that they aren't not doing the investigation like they should they are not reading the codes they are just verifying the debt which I am not trying to verify the debt I am disputing the accuracy that is on my credit report and the consent
Consumer complaint received 2023-09-05
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. (AL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. 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.
Consumer complaint received 2024-08-20
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. (NJ)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

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 2024-08-20
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. (TX)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2021-03-16
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2023-08-29
Product: Credit 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 (MA)

I reported to CapitalOne some unauthorized charges to my credit card originating with XXXX, XXXX XXXX  XXXX, and XXXX  subscription. My complaint with XXXX was about a tablet sale shown on TV which was paid in full but the company-XXXX- kept charging every month. With XXXX XXXX  XXXX I authorized 1 gift payment. Period. But my credit card was charged many times after that. And I notified CapitalOne about double charges to XXXX for the months of XXXX, XXXX, XXXX, XXXX and XXXX of this year XXXX. 
I clearly requested CapitalOne to LOCK this payment method-credit card- so no more charges be made to my account. I destroyed the credit card to make sure. I have been informed by CapitalOne that they have gone ahead and made a payment again to XXXX. without my consent/authorization. 
I am in contact with the people from XXXX to get a refund for the overpayments and apparently they restored 1 payment. No information from CapitalOne to assure me of any measures taken by them to protect my financial standing. 
I believe this whole issue is FRAUD ridden and request a full investigation and repair of my creditworthiness. This whole process is from XXXX to XX/XX/2023 including the XX/XX/2023 charge to XXXX  subscription.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-24
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. (PA)

I am writing to raise concerns about several issues I have experienced with the credit bureau. These include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and the presence of accounts that do not belong to me.
Consumer complaint received 2024-08-20
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. (NY)

After multiple requests to investigate this account, it is evident that both TransUnion and XXXXXXXX XXXX XXXX have violated my consumer rights. I previously submitted a complaint to the CFPB but have yet to receive a response from either the collection agency or TransUnion. Under 15 USC 1681e ( b ), you are legally required to ensure maximum accuracy in your reports. The information provided by XXXX XXXX ( account number XXXX ) is clearly inaccurate according to the Fair Credit Reporting Act. Therefore, I am formally requesting the immediate deletion of this account due to your failure to comply with 15 USC 1681e ( b ). Enclosed is the response from the original creditor, which highlights the discrepancies in my report. 

Please address this matter promptly.
Consumer complaint received 2024-09-23
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. (TX)

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

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
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. (TX)

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

Account Name : XXXX - Account Number : XXXX  - Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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 2021-04-27
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. (VA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-08-20
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. (GA)

15 u.s.c code 1681 requires consumer reporting agencies to be fair and equitable to consumers. My right have been violated by all of the reporting agencies and the companies reporting the incorrect and negative history on my profile. They have not responded to my letters in the XXXX  day window that they are required by law to respond to. XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry  and XXXX XXXX XXXX are all in violation I have given no XXXX consent to share my personal information. I request that these negative items be removed because they are inaccurate and they are affecting my credit and having a very negative inpact on my life.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

A transfer was done with Paypal in the amount of XXXX to my XXXX XXXX XXXX XXXX account. At some point paypal deleted my bank account from my paypal and did an ACH reversal on the money I sent to the bank. This was done on the XXXX of XXXX. XXXX has record of paypal initiating a reversal but paypal claims there's been no reversal and the transaction has cleared. Paypal has not given a straight answer to where the funds are and just keep telling me to wait despite the fact it's been far longer than the 3 business days stated.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (CA)

I have been in the process of refinancing since XXXX of 2020. I have been told numerous times to resubmit the same documents multiple times. Everytime I ask for an explanation I don't get a response for days sometimes weeks. A manager finally tells me multiple agents with my files left the company. Not only am I concerned about mine and my wife 's personal information, I'm concerned about the interest rates changing. We've signed closing docs numerous times and have even been asked to signed docs with our names misspelled and with other inaccurate information. Today, again I was told they can't find my information and want me to resubmit the same docs I've submitted multiple times. They are also presently hold my current mortgage.
Consumer complaint received 2024-07-18
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-20
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)

15 u.s.c code 1681 requires consumer reporting agencies to be fair and equitable to consumers. My right have been violated by all of the reporting agencies and the companies reporting the incorrect and negative history on my profile. They have not responded to my letters in the 30 day window that they are required by law to respond to. Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiry and XXXX XXXX XXXX are all in violation I have given no one consent to share my personal information. I request that these negative items be removed because they are inaccurate and they are affecting my credit and having a very negative inpact on my life.
Consumer complaint received 2024-07-18
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. (FL)

No correct authentication process done for listed open collections accounts on my credit report. All three bureaus listed open accounts for : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX {$470.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$250.00}
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

XX/XX/year> XXXX XXXX ACCOUNT # : XXXX Dear CREDIT COLLECTION SVCS, THIS lS A NOTICE TO CEASE AND DESIST. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX, XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BERKSHIRE HILLS BANCORP, INC (MA)

I Subscribed to XXXX XXXX XXXX XXXX  service to claim a one time discount code. I forgot to delete my sibscription and got charged {$94.00} for another month. Now, the XXXX XXXX XXXX  has been charged to my account, and I won't even be able to pick up the XXXX XXXX XXXX. So, not only have I lost {$94.00}, but I will not be able to get te product.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (PA)

A fraudulent charge I did not authorize was placed on my account & they didnt provide adequate information, just nothing found. 
I did not place this charge & contacted support and was told it would be handled and honored due to me not having my physical card to make that purchase
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

My personal and private information was used to open up access to two lines of credit that I did not know about from Midland Credit Management Inc. in which it is stated from them assumed credit card debt for a total assumed amount of XXXX. Since then they have added these items to my credit report under their name, then removed them when first disputed in XX/XX/XXXX. It is still unclear as to how they acquired my personal information and how this information was handled as their Affadavit of Sale of Account does not explain who the, " debt buyer, '' is and how they even handled the information and the assumed debt. They have also threatened me under 18 USC 894 and 15 usc 1692 E ( 5 ). The first instances of this as they have sent back responses in request to validate the assumed debt, four of which dated XX/XX/XXXX that has, " Midland Credit Management v. XXXX XXXX, '' but no case number and there was no lawsuit known at this time. The second instances of 18 USC 894 and 15 usc 1692 E ( 5 ) are for notices all dated XX/XX/XXXX in which it is stated, " In the interim, we are ceasing all collection efforts until the conclusion of the investigation of your dispute. '' This implies that until further conclusion of the investigation of the dispute that they will not do any collection efforts. These notices did not mention anything of a lawsuit. On XX/XX/XXXX I then got a summons for these two accounts which went against the prior notices sent.