davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NJ)

I am writing to express my concerns regarding the handling of my personal information by XXXX XXXX XXXX organization. On XX/XX/2024, I contacted Early Warning Services to inquire about the presence of my data in their records. A representative confirmed that my information was indeed included. 

However, I subsequently requested an opt-out from Early Warning Services, which was denied. As a consumer, I believe I have the right to control the sharing of my private information, as outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA emphasizes the need for fairness, impartiality, and respect for consumers privacy. 

Furthermore, I understand that financial institutions, including XXXX XXXX and XXXX XXXX XXXX, are considered furnishers of information to credit agencies. According to the FCRA ( Section 604 ( a ) section 2 states that, in general subject to subsection ( c ) any consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. 

My rights under the FCRA include the ability to revoke any previous consent, whether it was verbal, non-verbal, written, implied, or otherwise. Additionally, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my nondisclosure. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ). no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law 15 U.S.C 1681 s2 ( A ) ( 1 ) A states 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 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title early warning service are not maintaining reasonable procedures. Also 12 CFR 1016.7. states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services I kindly request that Early Warning Services provide clarification on the authorization they received from the financial institutions ( XXXX XXXX and XXXX XXXX XXXX ) to include my information in their records. Additionally, I reiterate my request for an opt-out from your services.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am unable to access my credit file or dispute anything on it, I have re aged accounts on my credit that wont go away and are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdju Also XXXX inquiries. Im have not applied for anything
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2023 I sent XXXX XXXX a negotiable instrument paying debt off using stamp Duty Act. I was then sent about a week or two later a letter saying that I violated there policy so for this reason my card was being closed. Not because of non payment but because I am a Secured party that knows that they are double dipping into my XXXX XXXX XXXX XXXX  XXXX. They have violated my rights and now its being reported to my credit each month along with fees. I gave them a chance to rectify this ordeal but they have not. Ive been a cardholder almost 20 years and its saddening to know that because I know what is going on behind the scene Im being discriminated against.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX keeps reporting to my credit report that I owe them a debt. I do not owe this company anything. I disputed this matter on my credit reports when they sold the debt to XXXX XXXX XXXX and it was removed from my credit report being that they could not prove that I owed the debt. They can not prove that I gave them my social security card, my drivers licenses or an address where the service was used that I have lived. Once it was removed from my credit report they illegally sold it to another company Bull City Financial who did a soft pull on my credit report without my permission illegally in XXXX ( this is their tactic to make it seem as if someone applied for service from them ) I never applied for anything or gave this company they sold it to Bull City Financial. It destroyed my credit score and Im in the disputing matter right now. I do not owe this company and am a victim of identity thief. They can not show me that I owe anything. And kept selling my social security number to other creditors without validating any of my information. They have not sent me any notices by mail or anything.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2024, I tried logging into to TransUnions site to review my credit report and check/change the status of my credit freeze. 

I entered my correct username and password and was prompted with a notification that they had sent me a one-time passcode ( OTP ), usually a 6+ digit numeric value, to my email address to finalize logging in. 

Unfortunately, no OTP ever arrived. 

I chatted with them and was provided 2 XXXX-numbers to call ( XXXX and XXXX ). 

I called, went through the prompts advising that I am unable to login to website and similar. Unfortunately, at the end of these prompts I was told that call volume is higher than usual and then the call disconnects about 1 seconds later. 

I tried calling many times, all with this same outcome. 

It is irresponsible for any company, let alone a credit reporting agency, to not allow you access to your own account and details. 

This is highly bothersome.
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I have been in my home for two years going on three this year and my mortgage payment has increased 3 times ; twice last year 2023. It has gone up {$300.00} extra dollars. I called the mortgage company to see why and a customer service representative stated they do a projection of what your personal proper taxes may be instead of using the actual tax amount from your county assessment department. So I contacted my attorney who sent the mortgage company a letter asking them to explain how are they obtaining information about my personal property taxes because taxes only increase ( if than ) once a year. This was done in XXXX. The letter stated they had 30 days to respond and they have not responded to me or my attorney.
Consumer complaint received 2024-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 the non penalty CD that I had with city bank matured. XXXX XXXX who was responsible for my account as a gold member was supposed to call me to discuss where did I want to move the money. I didnt get a call from him and on XX/XX/2024 I went to the bank to move the money to my current saving account, when the bank told me that it was too late to make changes. The maturity date was on XX/XX/2024 and somehow they decided to move the CD to another account and lock it in for another year. None of this was communicated to me!! No phone call was made or email sent to let me know that the maturity date has been reduced from 7 days to 5 days. I have never experienced so much of miscommunication and failure to relive the issue with out paying penalties. I want to file a complaint against the branch manage and XXXX XXXX and city bank cooperate.
Consumer complaint received 2024-06-20
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)

Recently a new account appeared on my credit report under XXXX/DEPT OF ED. I have never had student loans in my life, so the loan has been fraudulently tied to my personal credit health. The Accounts look to be opened on XX/XX/XXXX and are in good payment standing. There are currently XXXX loans tied to my SSN, one of which was added as recently as XXXX XXXX as that was the last time I checked my credit health and at that time there were XXXX loans opened under XXXXDEPT OF ED. The current outstanding loan balance is and as of XXXX. The total loan amounts are : {$6100.00} ; {$6000.00} ; {$3500.00}. I've disputed this claim with XXXX XXXX as of XX/XX/XXXX and today XX/XX/XXXX with XXXX and will continue with the other credit monitoring services today. I will also be filing an FTC report and police report. Please resolve this error asap.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because TransUnion, XXXX, and XXXX did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX Address : C/O XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXXXXXX XXXX  Credit Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : XXXX XXXX ) XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX XXXX Mortgage Compa Address : XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Credit XXXX : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-06-09
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. (GA)

I am writing to formally notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( w ), by your credit reporting agency. I demand immediate correction of the inaccurate information and compensation for damages as stipulated by law.
Consumer complaint received 2024-06-09
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. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. Letters were sent out.
Consumer complaint received 2024-06-20
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-29
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. (NE)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

XXXX, Exsperian credit bureau company refused to remove items showing on my credit reported company XXXX XXXX .l have had in ongoing Dispute to please remove these accounts showing doesn't belong. Since XXXX which last more 90 days to please stop reporting. problem 's on the credit scores which. l have have been denied credit. Exsperian XXXX in a resolve problems .. this situation has lasted longer which have written. police report. XXXX Credit reporting company sent me a letter stated They deleted. Information for off my records I requested exsperIan XXXX please delete honor. Statement what l have provided I letter .as evidence XXXX , Exsperian, which has on going disputes in your CFBP Complains since XXXX XXXX with a company Called XXXX XXXX XXXX XXXX. Which now l have on going disputes with this whom requested me to provide additional information records to remove This company from off my credit file. Evidence. I provided police report. XX/XX/XXXX l received a letter states XXXX agreed to remove these companies including these collection agencies report
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXXXXXX, account number XXXX XXXX : XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX : XXXX XXXX XXXXXXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-20
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. (PR)

XXXX is reporting a delay on my credit, which is not true. 

XXXX was called and spoke with XXXX XXXX. 

We complied with the agreement completely and a delay that they are placing on my credit is not true because where we make payments was closed due to no electricity. 

I am a XXXX person and I am demanding that you correct my credit with this XXXX XXXX XXXX Transunion he is discriminating against me for being from XXXX XXXX and XXXX.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KS)

A number that appears as " XXXX '' on my caller ID calls my office from XXXX to XXXX every day, 6-8 times daily. XXXX says its Synchrony Bank. This number claims to be needing to discuss a personal matter with me. After repeatedly telling them to not contact me on a business line, if its a legitimate issue, they still continue to call repeatedly. 

Attached are a couple of screenshots of calls in the last day.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I just reviewed my consumer report and found several late payments from XXXX XXXX XXXX with account # XXXX, I have never late, Experian have the right to report accuracy these late payments is incorrect and I demand Experian to update my account to pay on time. According to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report, so reporting a late payment on a credit report is a volition.
Consumer complaint received 2024-06-20
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)

I have several unauthorized hard inquiries on my credit report, which are fraudulent and likely due to identity theft. Under 15 U.S. Code 1681c-2 of the FCRA, these inquiries should be blocked. Attached are my FTC Identity Theft Report, identification, and credit report highlighting these inquiries. I request their immediate removal.
Consumer complaint received 2023-12-29
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. (CA)

I sent a letter last XX/XX/XXXXXXXX  to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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