davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (NJ)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-05-02
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. (NJ)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

In XX/XX/2023, I have paid off more $ XXXX in student loans and I currently have a balance of little over $ XXXX. However, the XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ) all do not show the current balance, but it shows the old and outdated balance of over $ XXXX. In addition, the credit reporting agencies show that the last time the loan servicer, EdFinancial, provided balance information was in XXXX or XX/XX/2023, which is almost 6 months ago. I am actively trying to apply to mortgage to purchase a home and my credit score is negatively impacted by EdFinancial 's failure to send the most current balances of my student loans to the credit bureaus. I have called and emailed EdFinancial about this matter, but they had not yet provided any response. I have opened disputes with 2 out of the 3 credit bureaus, XXXX and XXXX. 

EdFinancial must send my current loan balances to the 3 credit bureaus immediately. Until then, their inaction and failure of their duty to report balances to credit bureaus is harming my credit score and costing me real money in the form of getting higher interest rates that I do not deserve.
Consumer complaint received 2024-02-01
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. (NY)

I experienced identity theft, and I am reiterating my request for the removal of the inquiry from my credit file, stemming from an alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any items no later than 4 business days after XX/XX/XXXX. I have previously addressed this inquiry in a prior communication, and I am restating it here, accompanied by my new FTC report XXXX XXXXXXXX : -- -- -- -EQUIFAX XXXX XXXX XXXXXXXX Additionally, the details provided regarding this inquiry are UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about its accuracy. This correspondence serves as notification that failure to REMOVE the specified inquiry from my report will prompt legal action. I have informed my attorney of my intentions, and they are prepared to ensure accountability for willful noncompliance. Consider this as your FINAL WARNING. Please proceed to REMOVE the INQUIRY resulting from alleged identity theft.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (WA)

On XX/XX/XXXX, I received a confirmation of an Affirm loan being taken out under my name through the XXXX franchise. I did not make this purchase nor did I receive anything from this purchase. The bank account linked to my Affirm account was not mine, and there was no money taken out of any of my accounts, but the loan itself is linked to my account. The linked Bank account made payments from XXXX, leaving about {$1600.00} left on the loan. I do not want this loan linked to my account and there are no payments being made towards the loan at the moment, so it will eventually affect my credit and by XXXX it will be sent to debt collectors. I have never made a XXXX purchase in my life and do not know who is using my account for this reason. I do not know who made this purchase, but have the last XXXX numbers of their routing and bank account numbers since it is linked to my Affirm account.
Consumer complaint received 2024-05-01
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. (MD)

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 informationisinaccurate.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I lost my wallet on vacation in a nightclub XXXX, that included my personal information. I was advised by law enforcement a report was filed. I recently pulled a copy of the report and noticed accounts that I have no knowledge of nor gave any written permission to be furnished to my credit report. I contacted the credit bureaus in XX/XX/XXXX and alerted them of the incident and requested verification for the fraudulent accounts, XXXX XXXX XXXX XXXX XXXX I have no affiliation or knowledge of these accounts. I have yet to receive a correspondence. 
I have the right to privacy. These accounts were furnished to my credit profile without my written consent. This is in violation of 15 USC 1681B I also noticed credit inquiries from : XXXX XXXX, XXXX, XXXX XXXX. I have not authorized any transactions from these creditors. 

Furnishing accounts to my consumer in direct relation to identity theft further violates 15 USC 1681c-2 I requested that all fraudulent addresses be removed from my profile to further prevent any confusion or tying me to accounts that are not mine and the bureaus are still reporting inaccurate information. Being linked to accounts that I have not authorized is affecting my ability to obtain credit.
Consumer complaint received 2024-01-31
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. (CA)

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PR)

I bought the card back in 2020 to pay for my plane ticket and days later the card was missing and just recently found it laying on the floor of my guest room I checked the balance and from {$500.00} it was on {$0.00}, I immediately called the number in the back and it was locked and said it will take 90 days but it's been too long and haven't heard any updates. It was a One vanilla visa prepaid card. It's very urgent I receive a solution as soon as possible.
Consumer complaint received 2022-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America ran my Credit Report in the month of XX/XX/2022 without my consent. I did not apply for any credit cards or loans with this bank ever. Not affiliated with them. How could this happen?
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-05-01
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. (AR)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$7700.00} ; XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$2100.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1100.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; CXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (NM)

On XX/XX/XXXX received an email from XXXX XXXX They monitor my credit report and informed me that some negative information had been posted to it. I called the collection agency, XXXX, indicated in the XXXX email and was given the following information : Loan Amount : {$1700.00} Loan Date : XX/XX/XXXX Loan Issuer : The Check Giant NM LLC d/b/a/ CashNetUSA, XXXX. XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX I was XXXX The home address used was one that I had not been living ay since XX/XX/XXXX, and telephone numbers were from a completely different State. 
I have reported this Identity Theft to the New Mexico State Attorney.
Consumer complaint received 2023-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (VA)

After a lifetime in the military we found the last home we'll ever buy. Got a personal loan from BHG for renovations intending to refinance the mortgage once done. Well, supply chain issues, cost increases, gas tripled, etc., so budget ran thin. Used credit cards to supplement the budget and called BHG to refi the personal loan and consolidate the credit card debt. They said our revolving credit utilization was too high so we didn't qualify. But, they said we could qualify for a business loan snd business credit card ; I said we aren't a business, we have no business license, no business accounts. The salesman said not to worry, just " say '' we have a business. He said use the business loan and credit card to pay off our personal cards, bring down the revolving credit and then we could qualify to refinance the personal loan and consolidate everything. We were desperate to streamline and were out of options so we took the deal. Used the business loan and card to pay off personal debt as BHG advised us to do, waited until credit bureaus reflected and my score was up, and called BHG to refinance. The salesman said they couldn't help us, " we can't refinance the personal loan to payoff business debt ''. Seems they misled us, now we were stuck with debt we could barely afford. A couple months later we took in my brother-in-law who has XXXX ; his wife died of XXXX. We also took in our granddaughter and are now raising her. Tried explaining to BHG that we can no longer afford all of the debt they conned us into. We proposed a settlement to which they demanded no less than 150 % of the original balance paid over a additional 91 months! We're ar a loss as to how a company can so openly exploit borrowers, taking advantage of an economic climate that has people desperate just to survive. At this point we're facing bankruptcy since BHG won't work with us. And now they have debt collectors harassing us. We're hopeful the CFPB can help, maybe the XXXX, SEC or some other regulating body. A lifetime of service to the nation and taking care of so many in our family that are in need and BHG doesn't care.
Consumer complaint received 2024-02-02
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. (FL)

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the canceled debt of {$9800.00} to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NJ)

I returned merchandise to an online vendor. Affirm is " investigating '' the dispute with the vendor. I sent them all the evidence they requested : copy of sales order, copy of vendor return policy, vendor return documentation, XXXX tracking info on return package that shows the return package was delivered XX/XX/2023. The vendor stated that it had issued the refund on XXXX 

I lodged the dispute XX/XX/2023 and I must continue paying the loan plus interest until the issue is resolved. The original XXXX has emailed me that he passed the dispute to a " senior '' XXXX but it seems like a stall tactic so they can collect more interest from me. 

They acknowledged that they already have all the evidence so there should be no reason I need to provide it
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (NY)

the 2 collections on my report are fraud. XXXX XXXX was open in the amount of XXXX on XX/XX/ and the other was open in the amount of XXXX on the date XXXX  without my consent
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES NIT BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED IMTES SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL
Consumer complaint received 2023-12-26
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)

XXXX XXXX Equifax are in clear violation of consumer law 15 U.S. Code 1681b - Permissible purposes of consumer reports states - ( 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 instructions of the consumer to whom it relates. I did not give my written, nor verbal consent. To furnish these inquiries on my consumer report, these inquiries are in violation Im demanding they be removed immediately! 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-12-26
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)

XXXX  - XXXX please remove this inaccuracy from my report. I was never late on this account- Please check the status on this account XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX