davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

EQIFAX IS REPORTING MY WRONG DATE OF BIRTH. I HAVE HAD ISSUES COMPLETING MORTGAGE REQUIREMENTS, I SPOKE TO EQIFAX VIA PHONE, TO EQUIFAX ABOUT REMOVING BLOCKS FROM MY SCORE AND THEY STATED THAT EVERYTHING WAS IN EXCELLENT CONDITION, NOW THERES IS A FLAG ON MY REPORTTHERE IS A WRONG BIRTHDATE. THIS IS RECENT AS OF TWO DAYS AGO. I CONTACTED EQUIFAX ON XX/XX/XXXX AND HAD THE BLOCK REMOVED XXXX confirmation number, NOW MY BIRTDATE IS REPORTING WRONG. MY BIRTHYREAR IS LISTED AS XXXX. It is XXXX, it JUST HAPPENED. MY CREDIT CONUSMER REPORT HSA BEEN COMPROMISED. I WAS INFORMED THAT MY TRANSUION REPORT HAS BEEN TEMPERED WITH ALSO, THIS HAS BEEN DONE BY OUTSIDE ENTITIES IN THE FORM OF GROUPS WHO ARE RETALIATING AGAINST MYSELF.I DONT KNOW WHY MY BIRTHDATE/BIRTHYEAR ISREPORTING FALSE INFORMATION AFTER 4 DAYS
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute and demand the immediate removal of the fraudulent account from my credit report : XXXX XXXX - FRAUD, PLEASE DELETE!!! 
The bank confirmed the validity of the identity theft report, acknowledged a system error preventing record provision, and assured me of the immediate removal of the fraud account existing for over 7 years.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I payed LLC loan care on XX/XX/2022 and XX/XX/2022 and the money was deducted from my account but LLC loan care didnt cash the money. I got the money back into my account and sent it back to them but my credit is now ruined and they have charged me absurd late charges. I dont feel like this is right because I upheld my obligation but these banks keep dropping payments. The also happened last year.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank sent me a credit card via US Mail, in which I did not authorize or activate. When I called them to close this account, they closed the account and reported it to all XXXX credit bureaus dropping my score in the low XXXX XXXX from over XXXX. I worked with Synchrony Bank to correct this issue however they have refused to fix the issue. 

I DID NOT authorize the opening of this account, therefore the entry on my credit report is fraudulent.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/2023. XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. XXXX XXXX ( XX/XX/2023 a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/2023 ). XXXXXXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX of XXXX, Barclays gave me a late payment from a payment for a couple XXXX bucks that I was trying to pay on their app. Their app was malfunctioning by not letting me login then showing errors when I went to make the payment. I reached out to them via phone and they said it would be fixed. I then got a late payment when the payment was not even 30 days late at that point. They also did not notify me that the payment was going to be late. I then called on XX/XX/2022 and they raised my limit back up but did not help me get this late payment off of my credit report.
Consumer complaint received 2024-01-24
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts issue. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$4.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$440.00} XXXX XXXX  Opened XXXX XXXX XXXX Balance {$16000.00}.
Consumer complaint received 2024-01-24
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
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. (TN)

In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KY)

I owed {$160.00} for purchases I recently made. I called and paid the balance of {$160.00} in full with the representative who said her name XXXX. I used my XXXX card, paid and received confirmation from XXXX the amount paid. A week later I received notification my payment was due? I called and spoke was a XXXX, she said I owed {$160.00}. I gave her my confirmation number that it was paid in full. After she kept saying it was owed, I asked for the last 4 digits of my card used. She gave me XXXX??? My last number is not that on my XXXX  card, nor any of my cards. MY CONFIRMATION number given when I paid was XXXX. Then alleging I would always get a confirmation when a card declined???? Not true, when a decline happens a card will not go through and there will be no confirmation given, due to decline. She went back several months and said no this is the last 4 digits of the card you used and it declined. She then allege I had previously paid with the same card ending in XXXX. She then said she would send me a dispute form to complete. 
This week I received a letter where they were closing my paid off XXXX account for not using my card? 
I also received a letter reducing my XXXX account to {$200.00} and my credit score was XXXX. NOT TRUE. 
I have the letter they sent me and a recent document showing my account and a XXXXXXXX XXXX and my past credit line and my new credit line after my payoff. I owe nothing on either account and was never late. Please help me, these people are scamming its customers.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm literally gon na gloss over this because I've submitted the same complaint about the other XXXX credit reporting companies. transunion has been reporting the finger hut account on my credit report incorrectly for at least XXXX  months now. multiple attempts have been made with them to dispute the account, no changes have been made, all disputes result in fruitless frustration. the same letter i received from web bank XXXX the issuer of credit for XXXX XXXX XXXX was submitted in a dispute with transunion and subsequently netted nothing down. the letter lists information about the XXXX XXXX  account as recorded by XXXX XXXX and shows in black in white that XXXX XXXX account is being reported almost entirely incorrect and yet nothing was down with the account listed. i will be attaching that letter to this complaint. get your glasses or translator, don't really care. i want proof someone with XXXX eyes and a general grasp on the English  language has read the letter.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-04-27
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. (OH)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (MI)

I received a Square Debit Card today ( XX/XX/26 ) that I did not apply for. It came under my name to my home address. The included info says it was issued by XXXX XXXX. I have tried several times to reach fraud support with no luck. I need this card closed out as fraudulent immediately.
Consumer complaint received 2024-01-24
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. (DC)

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. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. 
Inacurrate information on payments of account.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00}
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (WI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-27
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. (FL)

I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this issue.
Consumer complaint received 2024-01-24
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.