davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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. (IN)

Recently checking my credit report I've been a victim of identity theft and found credit inquiries I have no knowledge of here are a few, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (CT)

Account name : XXXX  /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXXHas violated my rights.

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I attempted to contact Experian for having false information on my credit report that they are reporting, but there is not a area that I can do that only for the specific creditor. The creditors are reporting correctly but the Experian credit bureau is false information. They are saying the reason for my score is I have late payment within the last 4 months and I do not have any late payments. When I did dispute things they refreshed all my things as if it was new.
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NJ)

waypoint resource group has been reporting to the credit bureaus and when i asked for validation of the debt they did not provide it to me. i then told them i wanted to acquire a lawyer to help me through the process of getting this deleted from my credit report they proceeded to remove it from my XXXX credit report and then it showed up on my XXXX credit report. I have disputed it several times with XXXX and they will not remove it. I then decide to call waypoint resource group which are the creditors that have the debt they " claim '' i owe for {$1300.00} for a XXXX account i have never had. when i did speak to someone she was very rude when i tried to explain to her they have been reporting a debt to XXXX and XXXX, she told me they did not have any information for me on file even after i provided her with the information she needed to search up any account they might have had in my name. i find it quite disturbing how they are saying i don't have any information on file for them but yet they are reporting to the credit bureaus. i have emailed them over and over and eventually they have stopped replying to me. i called back and was told they did not have any information once again and was hung up on. so why is it still on my credit report?
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (CT)

Account name : XXXX /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXX XXXX my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy. 

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate.

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

This matter is from my XXXX XXXX car insurance bill. This company has somehow found a way into my bank processing system at Bank XXXX XXXX XXXX, alerting all my daily transactions to XXXX XXXX I had to request USPS mail billing ( Then the company increases your premium by {$100.00} ). I'm not paying this bill of {$110.00}. XXXX XXXX has been informed and they refuse to accept any responsibility for the matter. 

** And this matter needs to be forwarded to the OCC and other banking regulators in Washington.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

Starting back in XXXX TD bank did not process my payment from my bank for XXXX dollars when my balance was above XXXX dollars. After that i was unable to make any payments through TD bank and called for months to receive help I was able to make a payment on XX/XX/XXXX after talking to numerous agents and closing my account to get it handed off to third party credit services which apparently is TD bank Now they are claiming i am behind on my credit profile after i have been waiting for them to provide this form to me Upon calling customer service i get kicked out after about XXXX minutes of waiting so i cant even talk to someone
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-08-07
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. (CA)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-15
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. (NY)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

TransWorldSystems holds an incorrect or inaccurate debt on my credit report which needs to be removed. Amount is XXXX dollars. AC # is XXXX. I am currently trying to use all legal avenues to remove this debt from my credit report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/year> I went to use my XXXX XXXX XXXX Card credit card at XXXX Department XXXX but the sale was declined. The XXXX clerk tried pulling up my account using my address and also my phone number associated with my account. Nothing she tried worked. While there in the store I called the phone number on the back of my credit card and spoke with the fraud department. After verifying who I was, I was told that I had cancelled my card weeks earlier. I told the fraud XXXX that I hadn't cancelled my card! The fraud XXXX proceeded to tell me my new card had been sent to an authorized user on my account in another state. I told him that I was the only XXXX authorized to use my account and card and hadn't authorized anything like that. I immediately ask him if anything had been charged on the card and he said NO. I told him that seemed odd that someone would go to all that trouble and not use the card. He cancelled the card and sent me out a new card. A few days later while balancing my bank statements I saw were {$1500.00} was drawn and paid to XXXX. I contacted XXXX and told them that the charges made on my account were fraudulent and not made by me. I never understood why the fraud XXXX I spoke with on XX/XX/year> didn't make me aware of that illegal use on my card. Synchrony was reimbursed this {$1500.00} back in XXXX and told me I had to wait XXXX days for my check for {$1500.00}. They would not ACH back to the account that it was drafted from. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year> and again today inquiring about my check. I have had XXXX new cards issued out to me on this same account since XXXX. The last card came in at my XXXX XXXX XXXX XXXX on Monday XX/XX/year> and I activated it on the same afternoon. I went to use this card today for the first time and it was denied. When I spoke to the XXXX XXXX today I was told that there was a charge on XX/XX/year> for {$10.00} and then another that was declined for {$1000.00} and also {$7000.00}. I ask how is that possible?? I didn't even get the card or activate it until the next day which was XX/XX/year>. Each time I call in, my address, email address or something has been changed without my permission. It happened twice today!! I have told them, someone within there organization must be getting this info and changing it. Every time I call XXXX Synchrony, they swear that everything is locked down and can't be changed but it still happens! Also, the fraudulent address that was used with the fraud is showing up on my credit report now as a good address for me. This bad address is associated with XXXX and only can be removed from my credit report by request from XXXX which isn't fair to me!
Consumer complaint received 2023-09-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Brock & Scott, PLLC (NC)

We are dealing with fraud, and I would like the Consumer Financial Protection Bureau ( CFPB ) to get involved, they are the Bureau that deals with fraud. And this is the statement that Brock & Scott gave.

. We have no legal obligation to provide a debt validation, and will not be providing, any affidavit or similar document. 
THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Upon the return of my lease XXXX extorted me by threatening to charge me {$750.00} if I did not have their dealer partner replace the brake fluid on the car before it was turned in. This car only had XXXX miles on it after 3 years. The lease was for XXXX miles. The car did not need brake servicing, and this is when fluid is evacuated form the vehicle as part of the normal brake service. This was a totally unnecessary " service ''. I have never been asked in over 30 years of leasing cars from XXXX, XXXX, XXXX to " replace '' brake fluid as a service. I have also never been extorted by the automobile company with a threat of a {$750.00} penalty for not doing so at their dealership partner. 

I called XXXX XXXX  and customer service and was told this charge was removed. However, the {$300.00} I was extorted to pay for an erroneous repair was not. I told XXXX XXXX that I would not pay the {$380.00} disposition fee unless they investigated my complaint about forcing me to do an unnecessary repair at their dealer and not giving me the option of having this accessed at another repair shop. I believe this to be a fraudulent business practice to force me to pay for unnecessary repairs with XXXX dealers.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

I just moved into the United States and got my new phone number few weeks ago. Ive been owning a Citibank account since 2016 because I was an international student in the US at that time. However I went back to my country for personal reason and I came back to the US this XXXX. However Citibank locked my account and said they didnt trust my new phone number and asked me to provide another valid US number that is also under my name. Otherwise they wont be able to verify me so I couldnt log into my account and using my money. The truth is I dont have another phone number and I wont buy one just for this reason. Secondly Im living in XXXX right now so there is no Citibank branch in this area and I wont fly to another state to find a Citi branch just for this issue because this is not my fault.
Consumer complaint received 2023-09-15
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. (CA)

I am writing to file a formal complaint regarding an ongoing issue with my credit report. Despite my previous attempts to correct the information, there is an account listed as being late in its opening date. This error is causing significant harm to my credit profile, and I urgently request its correction. 

The specific issue is as follows : XXXX XXXX XXXX Balance : {$0.00} - The account XXXX XXXXXXXX was reported as being opened which is incorrect. I have proof to substantiate this correct date. 

I have previously disputed this discrepancy and provided supporting documentation to demonstrate the accurate opening date of the account. However, despite my efforts, the credit report still erroneously states that the account was opened late. 

I kindly request that you thoroughly investigate and promptly correct this mistake in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect this issue to be rectified and reflected accurately in my credit report. 

This late open account reporting is negatively impacting my creditworthiness and financial opportunities. It is essential that my credit report accurately reflects my financial history and responsibility.
Consumer complaint received 2023-09-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I obtained a copy of my credit report from TRANSUNION and noticed multiple unauthorized inquiries as follow : Inquiry Date : XX/XX/year> Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXXXXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXX I did not apply for credit or authorize these inquiries, and I am concerned that this may be a result of identity theft or fraudulent activity.

Upon discovering the unauthorized inquiries, I immediately sent a letter to TRANSUNION to dispute the inquiries and requested its removal from my credit report.

I am taking additional steps to protect my personal information and prevent further unauthorized activities.

This unauthorized inquiry has negatively impacted my credit score I request that the FTC investigate this matter and take any necessary action to prevent further unauthorized use of my personal information.