davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: Self Financial Inc. (MI)

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified XXXX, Equifax, and XXXX of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, XXXX SSN, DOB : XX/XX/XXXX : Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion XXXX XXXX XXXX XXXX agency, 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. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX  XXXX  account with a credit limit of XXXX opened XX/XX/XXXX, a XXXX  XXXX account with XXXX $ opened on XX/XX/XXXX, A XXXX  account credit limit XXXX $ opened XXXX Inquiries from Banks and XXXX & XXXX, inquiry from XXXX  XXXX inquiry from XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX 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, or hard inquiries as reported. They have cause great disdain in my personal life. 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 FTC Identity Theft Criminal Complaint # ( private 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.
Consumer complaint received 2024-10-18
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. (WV)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 2024-08-30
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

have sent in disputes to be investigated from all 3 of the credit bureaus transunion, XXXX, and XXXX. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Consumer complaint received 2024-08-30
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. (FL)

I was completely shocked to find inaccurate accounts on my credit report this morning, with no idea how they appeared. I regularly monitor my credit report, and this time I was stunned by the sudden discrepancies. I tried refreshing my browser, hoping it was a simple glitch, but nothing changed. This has left me feeling incredibly anxious, and I am pleading for a thorough review of the documents Ive provided so I can put an end to this nightmare.
Consumer complaint received 2018-01-14
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. (TX)

XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine equifax and XXXX have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc. (FL)

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2019-11-20
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. (TN)

On XX/XX/ 2019, I requested an investigation on one of my accounts that showed an erroneous payment status the last three months the account had a balance on it before it was paid in full. 

The agency corrected this error by verifying my concerns with the creditor and all payment status for this account is accurate. However, the credit reporting agency ( TU ) placed a conflicting summary ( Remark ) of the investigation on this account that could be misleading to a potential creditor. I have asked TU on two separate occasions, in XXXX and XXXX, for the Remark to read in proper context and accuracy. The current Remark reads, " DISP COMP-CONSUM DISAGRS ; CLOSED ''.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (VA)

XXXX XXXX I informed representative that I was unable to pay the debt at the time due to severe medical issues and requested that they not contact my cell phone number per federal guidelines XXXX XXXX same as above, reminded them that they are not allowed to contact a cell phone after they were informed it was a cell phone and was told to stop. 

XXXX XXXXreceived yet another call, informed representative again that this was a cell phone, two prior demands were made to cease contact to a cell phone. Rep informed me that it is " not illegal when you owe someone {$1800.00} '' and continued to become verbally abusive. Attempted to call back to speak to a supervisor to address the prior rep 's behavior, was placed on hold for several minutes. Did not get routed to a supervisor. 

All of my calls are recorded per state 's one-party consent law.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

On numerous occasions I have been subject for multiple overdraft fees with M & T Bank. When transactions are pending, but I still have an available balance, I am prompt to transfer the money necessary to cover the potential negative amount. However, at least twice a month I am charged anywhere from {$300.00} - {$500.00} in overdraft fees. I would like this to be reviewed and corrected.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (NY)

I received a letter by priority mail, with the address being from : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. There was no entity name on the envelope, VERY DECEPTIVE. The U.S.P.S. tracking number is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. I opened the envelope and in a LARGE BOLD LETTERING it said ATTORNEY REFERRAL PENDING. The letter is threatening lawsuit, doesn't say anything about my rights and looks very misleading as if it were from an attorney.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

Experian uses unproven materials in its reports!!! 
I've tried to get this corrected, but company refuses to co-operate. 
Unproven and inaccurate information used! 
This is a complaint against EXPERIAN!! 
XXXX XXXX
Consumer complaint received 2019-11-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2019-11-21
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. (MN)

looking to purchase a home and upon reviewing my credit report, I became aware of inaccurate or fraudulent information. I have asked each credit bureau to verify and remove all inquiries and negative reporting items on my report as they do not belong to me.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked this morning when I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I was stunned to find discrepancies out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts remained. This issue has left me feeling uneasy, and XXXX urgently requesting a thorough review of the documents I've provided so I can finally put this worry behind me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (TX)

my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

This mortgage has been sold by the mortgage companies several times over the 15 years I have had it. Most recently it has been sold to Specialized Loan Servicing. On the mortgage statement there is a charge of {$460.00} for " Past Due Amounts. '' I do not know what this is for. I have called SLS several times regarding these charges. I have been told various things ( " We will investigate and get back to you. '' They did not. " You need to write a letter because we can not address this by phone. '' ) After getting nowhere after several calls, I wrote a complaint to them. They responded in a letter dated XX/XX/XXXX, that the fees are legitimate. However, they can not tell me what the charges are for. In the letter SLS sent me they said, " You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference. '' However, the document they included only showed my monthly payments from XX/XX/XXXX through XX/XX/XXXX, and nowhere in that document did it detail the origin or purpose of the {$460.00} in Past Due Amounts. I am requesting that SLS remove this charge from the mortgage because I am attempting to refinance this mortgage but I can not while these charges remain pending.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint to CAP ONE AUTO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2019-11-20
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. (IL)

CRA is in continuous violation 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AA Recovery Solutions, Inc. (MS)

An agent with XXXX XXXX ( collection agency ) called my work three times today and my mobile phone three times today ( XX/XX/2019 ) while I was at work. When i left work I called the number XXXX XXXX XXXX XXXX XXXX and spoke to an agent named XXXX. I stated that I had received several calls from this number today and please not to contact me at work. He then interrupted me when I was trying to ask him why they called so many times by telling me, " we'll call your employer as many times as we want especially when we garnish your wages '', and then hung up the phone. I called back the same number and he answered again. I then asked him to please repeat what he said to me before he hung up and he replied, " well you better think again if I'm going to allow you to set me up ''. He then hung up the phone on me again. So I called back and this time someone else answered the phone and asked me my name, I told them my name and he repeated it loudly and then asked me to hold. A few seconds later he then hing up on me and I have not tried to call back. At no time did anyone tell me why they were contacting me or how much I owed and for what/who they were collecting for. If they refuse to speak with me then how can they initiate a garnishment on my wages?
Consumer complaint received 2023-10-19
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.