davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXXXXXX XXXX XXXXXXXX. AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

XXXX XX/XX/2018 I legally changed my last name through the proper channels of the District Court of XXXX XXXXXXXX XXXX XXXX XXXX. I promptly updated my Drivers License, Social Security Card, and Bank card to my new last name. As I didn't have any open lines of credit at the time I was told I would not need to make any other changes. Later in XX/XX/2018, my personal data was exposed in a data breach of XXXX  now part of XXXX. My equifax was placed on a freeze and ever since I have not been able to fix the issue. I have reached out in multiple attempts to fix this and now I am wanting to open a line of credit to help me pay for school and living expenses.
Consumer complaint received 2023-12-20
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. (NJ)

I have communicated with these companies on multiple occasions in regard to the accounts listed and I have been ignored, so I was informed that I should contact the CFPB to file a complaint that my right to privacy has been violated.

According to the Fair Credit Reporting Act, 15usc 1681 ( a ) ( 4 ) the consumer reporting agencies are to exercise their responsibility with fairness and respect a consumers right to privacy.

Pursuant 15usc 1681 ( b ) the consumer reporting agencies are required to adopt reasonable procedures to meet the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, regarding confidentiality of information. Also, The Privacy Act of 1974, as amended, 5usc 552a prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit information. Please remove all accounts listed below immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rent Recovery Solutions (NC)

I am a victim of identity theft and I request for this account to be removed for I didnt apply for any apartments ; this caused me a lot of pain and suffering. To my knowledge someone got access to my information and used my identity to apply for an apartment. I contact the collection agency and they are threatening to sue me if I do not pay ; I am tired of this They are engaged in a willful and persistent pattern of behavior rather than a soared mistake. The FDCPA provide consumer the right to bring a civil cause of cause of damages caused by abusive behavior, manipulation, and improper debt collection practices. EACH REPRESENTATIVE HIDES THEIR IDENTITY! EVERY TIME I CALL THEY PICK UP AND SAY THEY CANT GIVE THEIR NAME! This is another illegal practice that they are involved in. 
They only answer and say thanks for calling rent recovery solutions and when I ask for their name they laugh and say I cant give you! This is very unprofessional. This company is obviously a scammer ; they cant identify themselves nor break down solid prove that I owe them.
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After receiving no response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.
Consumer complaint received 2023-09-21
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)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-08
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (MS)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company has reported erroneously to the credit bureaus that I was late back in XX/XX/2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.
Consumer complaint received 2023-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC (TX)

On XX/XX/XXXX  I received a phone from a company by the name of Oliphant Financial , LLC. Oliphant claimed that I owed them {$13000.00}, that I XXXX XXXX XXXX took out a loan that was never paid .Unware of what Oliphant Financial , LLC was referring to, I requested for contract documentation to be sent .I also provided Oliphant Financial , LLC with my mailing address. I also informed this company that I have never done business with them, nor did I provide them with my personal information. I also informed this company that I am a victim of Identity theft. 

On XX/XX/, I received another phone call from this company requesting that I make payment. I informed them that I still have not received a bill nor contract documentation. on XX/XX/XXXX  I wrote a letter to Oliphant Financial requested for contract documentation. On XX/XX/, my request was met. I have attached contract. I never shared my personal information with this, nor did I take out a loan with this company. My name is XXXX XXXX XXXX. Not XXXX XXXX, I did not sign any contract with Oliphant Financial , LLC.
Consumer complaint received 2022-10-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services (NJ)

In attempts to get the deferral with my current loan figured out every time I called in to communicate with help in regards to my loan they would say if I didnt make a payment they would impact my credit. I did not make the mistake of doing the deferral wrong, I had one representative tell me that I was good till XXXX and the other representatives told me that I did not have a deferral for XXXX and that I had a past due that was going to impact my credit if I did not pay after I told them my financial circumstance. Also after I have been given false information.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing to express my deep concern regarding the blatant violation of credit reporting laws evident in the persistence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove these accounts, despite clear evidence of their fraudulent nature, flagrantly disregards the laws governing accurate reporting. It is evident that the bureau is failing to fulfill its duty to properly investigate and rectify inaccuracies. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of an FTC report and thorough investigation. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

Ive been having issues with this since XX/XX/2023 I disputed this before and investigators sought that this was invalid and removed it from my credit, they sold it to another debt collector and now Im being harassed and this is placed on my credit as debt I owe when I know I dont
Consumer complaint received 2018-08-23
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: Credit Karma (NJ)

I opened the XXXX XXXX card on XX/XX/XXXX of 2018 and was charged the annual fees upfront which amounted to almost {$100.00} ( {$75.00} + {$19.00} ) and on XX/XX/XXXX my credit score went down 54 points. I did not have this card within 30 days and it was reflected on my credit report. Since then, I have made 4 payments and the company has refused to allow me to make another payment this month. This card is supposed to help build credit but won't allow me to take the proper steps to ensure I can maintain my credit report.
Consumer complaint received 2022-10-10
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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (NJ)

On XX/XX/2022 they reported me late to XXXX XXXX and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at Mercedes Benz. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.
Consumer complaint received 2023-06-10
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXXXXXX, 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, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

My loan went into repayment in XXXX with Mohela, and i tried to set up autopay. It says it was was successful, but them I kept getting emails that said your financial institution has returned a payment and my principal wasnt going down. I tried to do manual payments but they also failed. Finally, one of my payments posted on XX/XX/2023, but no money was taken from my savings or checking account. When i tried to call customer service on XX/XX/XXXX, I was placed on a long hold, hung up on, and not called back. My problem was not solved, and I still dont know how to pay my loan.
Consumer complaint received 2023-12-20
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. (OH)

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

The XXXXXXXX XXXX have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the XXXX XXXX XXXXXX/XX/year> and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank sends out advertisements to customers promising them {$600.00} account opening bonuses. 

The advertisements have unique codes that customers have to enter on citizens.com website. 

However, when customers enter the codes sent to them, Citizens bank gives them the following message Offer code below could not be verified.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Complaint Detail/Inquiry Information : We have been Loyal customers of XXXX XXXX Bank ( now called XXXX Bank ) since 1980 and I have no qualms with the service that I have been receiving. We trust them so much that we put ALL my eggs in their basket. Meaning, all CD 's, checking accounts ( for which our pay comes in through separately ), Personal IRA, Money market, and a Joint savings account that is required to maintain a minimum balance, so you see, ALL of our financial hard work, and efforts flow through XXXX Bank. Recently my spouse, XXXX XXXX ( who has unlimited access went without my authorization ) withdrew a very large amount and caused the balance to fall short from the required minimum. Not only was XXXX XXXX not notified of such transaction, I erroneously went ahead and electronically sent the funds without my husband 's consent to some designated location ( see above address ), so when he got wind of it, I immediately went back the VERY NEXT DAY and had the wire ( with a lot of money ) recalled from XXXX. Sadly, enough we are now being told ( by Well Fargo ) that it is TOO LATE and that the end target ( alias XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, Their a/c # XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo ) REFUSES to return our funds, which he coerced fraudulently, so we are now out of these hard-earned funds. We are so distraught that this happened, and that Wells Fargo & XXXX Bank didn't & does not want to aggressively recoup our money, for which we have no other choice then to get the New York Attorney General ( s ) involved, and we will be motioning to WITHDRAW & CLOSE out all six major accounts we have with them ( if our funds are not credited ) to go elsewhere to start a whole new relationship. 43 years of loyalty now out the window, & so much for FDIC. Don't believe the hype. We were outright swindled under false pretense, & Well Fargo & XXXX Bank does nothing to help. We are not going to stop pursuing what was manipulated from us. ~Very UN-happy with the turn out. My spouse & I are keep being told that legal or someone will be calling, yet no one ever called us back or any hope of having our {$11000.00} returned safely into our account. Also, all we are being told is : By XXXX Bank, " talk to Well Fargo '' & Wells Fargo tells us : " talk to XXXX Bank '' neither one wants nothing to do with the mishap, yet, all Wells Fargo needs to do is debit XXXX XXXX 's account & return it to it's rightful owners at XXXX Bank Hopefully the attorney general will investigate this HOAX & bring justice to the innocent!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX