davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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. (MA)

On my XXXX credit report, there are 3 hard inquiries related to credit card applications that I did not make : 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX ; 1 inquiry from XXXX XXXX  dated XX/XX/XXXX ; and 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I do not bank with any of these 3 banks and I did not apply for credit cards with any of them. 

The XXXX XXXX inquiry was also reflected in my XXXX credit report and in my Equifax credit report. 

There was also a phone number ( area code XXXX ) in my credit reports that does not belong to me. 

I am in the process of disputing the hard inquiries with all 3 credit reporting agencies, I removed the unknown phone number from my account, and I placed credit freezes and fraud alerts on my accounts with all 3 credit report agencies.
Consumer complaint received 2024-05-21
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. (HI)

I am writing this complaint to EQUIFAX that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (WY)

Caller called at  XXXX   XXXX   XXXX   2017  and refused to identify self despite repeated requests. Caller was informed that she was calling a business phone and told to make no further telephone calls. Caller called agai n at XXXX  on   XXXX   XXXX ,    2017  and would not properly identify self and was reminded that this call was in violation of the  Fair Debt Collections Practices Act. I finally requested to speak with a superviso r and informed supervisor of facts previously stated. Supervisor still insisted in trying to discuss this matter on the phone despite being informed that all communication must be in writing due to the number called being a business phone. Supervisor then threatened legal action without providing information on alleged debt in writing as I had stated must be received. I was then forced to once again remind the caller/supervisor that she was violating several subsections of th e Fair Debt Collections Practices Act .
Consumer complaint received 2024-05-21
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. (IL)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2024-05-20
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)

I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.
Consumer complaint received 2024-05-21
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. (NY)

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 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

Please see file attached called " Letter for XXXX  and Equifax. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX Mail. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for Equifax and XXXX, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX  's attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX  Loan back in XX/XX/XXXX, because they said, now XXXX XXXX  owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX  : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX bank, as shown and included, as Document 162 main.

The document called 2 letters XXXX XXXX, shows a recent XX/XX/XXXX letter, where in XXXX, XXXX XXXX  XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks
Consumer complaint received 2023-08-03
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. (FL)

There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-26
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. (CO)

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 XXXX 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX  and Equifax are teport my score XXXX points less then XXXX. Trying to repair credit and the scores where in the XXXX range and in a span of 4 days they took a total of XXXX points off my score with no changes to credit cards or any missed payment. These credit bureau are not reporting fairly. I have paid for the last 6 months to repair credit and made all on time payments. Opened new account to boost the credit, it did go up but a month later. They took all the progress I made away in 4 days ... ..not fair to take XXXX points off in 2 day and the 4 days later another XXXX points. My score has never jumped by XXXX points.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

CREDENCE RESOURCE MANAGE has reported this account as a collection debt sine XX/XX/year>. Ive repeatedly sent requests to have this fraudulent debt removed from my credit report and they continue to report it. It has harmed my credit continuously for years and they keep calling and harassing me. This needs to cease immediately and the debt removed.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2019-06-18
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC (TX)

On my XXXX  these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Consumer complaint received 2024-05-21
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX account # XXXX, dept of education/ XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm experiencing XXXX, dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-09-22
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-20
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)

Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights. 

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (MD)

Last week I called Selene Finance to order documents. One requesting an application for assuming the loan, and the second, an updated payoff quote. I understand that the payoff quote may take more time..., but the application for loan assumption should be readily available to email to me. I have someone waiting for the forms, to fill them out, along with his financials, which will qualify him to assume the note. Also, the rear amount owed will be paid. Since Selene Finance wasn't willing to help me bring the account current by approving a modification, despite the fact that I was approved for $ XXXX financial assistance from the XXXX XXXX XXXX XXXX  to help bring the account current, I had to find another option as soon as possible. 

I've had problems previously when requesting documents, due to my loan " status '', which seems unfair and discriminating. I'm trying to resolve this situation as soon as possible, to bring the account current. Time delayed receiving the documents causes more cost incurred on the loan, which appears to be their intent. Please have Selene Finance send the requested documents so I can resolve this issue and bring the account current quickly.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (TX)

On my XXXX these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NJ)

So my card was used to to book a hotel room off XXXX. Someome copied down my number number. I reached out to cash app to file my XXXX dispute because the other one was still pending. Maybe a XXXX XXXX later they supplied me with XXXX as provisional credit. I then file a dispute for XXXX. I got a email from XXXX stating that I needed to contact my bank to resolve the issue. I sent a screenshot to cash app inside the app. APPERENTLY cash app support act like they don't know how to handel customer complaints. They turn around and closed my account talking about I was in violation of their terms and services and they had no other information. Now just they other day cash app sent me a email telling me the credit that was given was final and permanent. The they turn around and denied my dispute for XXXX. Which to me makes NO SENSE! Both charges were fraudulent. So how do I win XXXX dispute and lose the other. You know the crazy thing is cash app has a history of denying people disputes leaving customers without any real reasons. Now I called cash app and explained to someone in detail and they said that it makes no sense either it to return all my money amd told me to file another dispute and I did. I wanted up today and got a email saying denied??. Look keep the account closed I could careless about doing business with a deceitful company that's all about money and not customer satisfaction. But I want my money. I'm on a fixed income and don't need anyone stealing money from me especially a company like cash app. Please return my money.
Consumer complaint received 2024-05-20
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. (CA)

XXXX XXXX XXXX  Date opened XXXX XXXX amount, original balance {$1300.00}, current balance {$1300.00}. I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Consumer complaint received 2024-05-20
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)

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. I do not have a record of doing business with these companies. 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.