davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1400.00}
Consumer complaint received 2024-03-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (MA)

When I put in my card information, it stops me at the point where I put in the expiration date. It will not let me get any farther no matter what I do. When I call the phone number they will not respond. 
I have two cards, one for {$60.00} and one for {$20.00}. Both are XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (KY)

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, Equifax, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the XXXX XXXX XXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Consumer complaint received 2023-08-05
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. (MD)

This is my first 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 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 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed accounts.
Consumer complaint received 2023-11-06
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. (VA)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-12-04
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. (FL)

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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, Account name : XXXX XXXX XXXX XXXXXXXX. 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (LA)

So they started it off on my credit report back in 2018 with a different amount, and then have progressively continuously changed the date opened on the credit report every single year to reflect the current date to look like just opened the account within the year, and just kept putting or adding more money to the amount that they say that I owe them. Have had this particular debt on my credit report now since 2018 consecutively changing the date the debt was opened, every single year so they can continue to reapply it back to my credit report over and over and over again. 4 companies keep doing this me and I don't understand how they can get away with checking my credit report with a hard inquiry and then turning around and changing the credit reporting date every single year to a new date when I quired with both of these companies and I sent them a formal written letter. Requesting complete verification, and clarification that's neither company replied to me with any information I gave them over 60 days to reply, and now have tried to dispute all of these delinquent bills on my credit report, but they keep coming back and putting them right back on my credit report.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (GA)

In accordance with the Fair Credit Reporting Act, CAPIO PARTNERS LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 
Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WLCC (CT)

On XXXX XXXX I took out a loan for {$900.00}. since XX/XX/2023 they have been taking out my checking account {$120.00} every week from that date until Friday XXXX XXXX that totals to over {$3300.00} and the company still say I owe them more than what I took out the lone for XXXX.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC (NV)

I went to look at properties in XXXX, NV for a new family home, my Real Estate Agent couldn't accompany me. I let the consultant on duty, XXXX XXXX, know, who told me that it was fine, that my realtor was not present, but later in the purchasing process my realtor was not included. 

I Sign a Contract for a Conventional loan with a rate of XXXX for the property on XXXX XXXX XXXX XXXX. XXXX, NV. XXXX. 
Important calendar dates : 5 Day Right of Recission Expiration XX/XX/year> 30 Day Mortgage Contingency XX/XX/year> Estimated Close of Escrow : XXXX On XX/XX/XXXX ( 5 days after the Right of Recission, I unable to cancel ), I was notified regarding the foreclosure on my credit that nobody mentioned to me. I was not notified previously in XXXX when my credit was run by Lennar Mortgage. Therefore, my Conventional Loan was denied but I have not been provided a denial letter for the conventional loan. Lennar Mortgage did not return my deposit nor denial letter for the conventional loan because there is an option of an FHA loan, which is not the original agreement. 

I have tried to negotiate on many occasions to be supported with the closing costs to mitigate the additional FHA payments that are not within my budget such as : the FHA fee of {$8200.00}, Mortgage Insurance per month {$190.00}. Ultimately, causing an increase in monthly home insurance and property taxes that will be in escrow with impounds ( additional {$290.00} dollars per month ). 

Many questions were left unanswered such as : a ) Official letter mentioning the previous credits were not possible. 
b ) In the case where the property is purchased. In two years if I refinance with Lennar Mortgage, could there be a waiver for the closing costs and fees for the transaction? 

For the reasons previously mentioned, I will move forward and cancel this contract, for XXXX XXXX XXXX XXXX. XXXX, NV. XXXX ; unless there are reconsiderations and a renegotiation that mitigates the changes from the FHA loan, i.e. closing costs. I also request my denial letter of the Conventional Loan and the return of my deposit for XXXX dollars.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently reviewed my Capital One interest rate only to learn it has increased in the upwards of 32.24 % which is high considering I have 2 credit cards and the interest rates are less than 19 %. I contacted Capital One today, XXXX and I was informed that they do not lower interest rates. Now Im wondering just how high will the interest rate go and are these fair billing practices. Thanks for your time. A concerned consumer.
Consumer complaint received 2022-11-08
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-07-05
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: CREDIT ACCEPTANCE CORPORATION (FL)

I made this voluntary delivery of this car for reasons that I became ill with XXXX, and I was in the battle against this XXXX, after the delivery I reached an agreement with Credit Acceptance to pay XXXX and they would close this case, which I complied with and here I attach the evidence of the letter and my canceled check, apart from via telephone they agreed with me that when that payment was collected they would remove this from my credit which they did NOT do, nor did they send me a letter with the information of when they XXXX  the car and how much they sold it, much less The more they took out the XXXX that information I never obtained and I understand that it is illegal that they had not done it, I only ask that that collection that is already closed be deleted from my credit history.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (FL)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
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. (CA)

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 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (IL)

In late XXXX, I purchased appliances from XXXX 's. During the fulfillment process, there was a payment error. A Synchrony staff member told me that the solution would be to have XXXX 's reverse the payment, and send it back through to Synchrony. 

Upon doing this, however, Synchrony refused the payment. When I called Synchrony in XXXX XXXX about this, a customer service XXXX told me ( after XXXX different agents transferring me, saying the issue was on XXXX ' end ) that the loan account was closed when the payment adjustment happened, and nothing further could be charged. 

The entire time, I encouraged the XXXX organizations to work together, and they told me they have no contact. During another call in early XXXX, I was told that they have liaisons who work on both sides, and they could've potentially helped me before the refunded payment step. 

I just now got off of XXXX separate chats with XXXX separate agents who told me they could not help with the payment adjustment, and that I needed to call a phone number ( I am unable to at the moment ) in order to discuss why they can't change the amount. 

They also have no links online for me to review the documentation for the loan, including to retrieve my account number and never sent it in full in the first place, but did say they will email me the loan documents it in the next XXXX hours. 

They also require input of the last XXXX of my XXXX and my phone number to access the account, without the option to make a non-identifiable login.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TN)

Early morning of XXXX XXXX I received email from XXXX XXXX  that 2 more fraudulent accounts were opened using my stolen information.Was never called or sent any notification either account was opened with my stolen information as I am the victim of fraudulent activity against me .Like most others, these are electric companies apparently in TX in which the companies, in this case, XXXX XXXX allowed identity thieves open an account using my stolen information without even minimum due diligence such as proper photo id, signatures, background checks for if they had they would see these were fraudulent.I feel XXXX  XXXX is allowing this fraudulent activity against me without the least verification.They would not and can not validate which is a predicated minimum of my rights, and I know they cant because you can't prove something that doesnt exist, and isn't mine and I don't owe them anything.They and their debt collectors have not met any minimal professional requirements and feel they've skirted the requirements their mandated to follow to credit slander my credit with intention fraulent credit reports.This is their negligence and they need to prove or remove.I urge them to be honest and adhere to requirements they have failed to meet and remove the fraudulent credit report against me.Its cost me overwhelming stress, loss of credit cards, financial hardship and other damages.They need to clean their own mess up it is not my obligation nor could I trust them since they've already shown total disregard for integrity, professionalism, diligence, rules and requirements and my rights as a consumer through their false and fraudulent credit reporting damaging me further.The predicate is on them to prove, they can not as its impossible. As it doesn't exist, is not mine and I do not owe them anything.I seek to hold them properly accountable and remedies and relief for their disregard for my rights, rules, regulations, and damages should they continue their reckless dishonest practices.It is not my obligation to provide them anything, to the contrary the responsibility is on them and they can't meet the standards of proof in no way as it is not mine.So I urge them to do their own investigation of their negligence that's caused me untold damages of huge amounts and to remove any and all false and fraudulent credit slandering financially damaging wrongs against me.
Consumer complaint received 2024-06-19
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. (DE)

XXXX XXXX XXXX Prior investigation In related to today 's complaint Which was submitted XXXX In my previous complaint I requested that the following be removed from my credit profile i requested closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX date opened XX/XX/XXXX XX/XX/XXXX openedXX/XX/XXXX XX/XX/XXXXopened XX/XX/XXXX XX/XX/XXXXDate opened XX/XX/XXXXXX/XX/XXXX These accounts are showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. 
The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation the small claims court if the matter is not solved today
Consumer complaint received 2023-11-15
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. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.