davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (GA)

This complaint is specific to XXXX XXXX XXXXXXXX and Equifax but the scenario would apply to any bank and credit reporting agency. When my daughter started XXXX XXXX I added myself as an " Authorized User '' on my daughter 's credit card account ( per the XXXX XXXX XXXXXXXX representative, this was necessary for her to get a card in her name ). Unbeknownst to me, due to hardships, in XXXX XXXX  she missed 3 payments and the bank closed her account. The result of this action caused my credit score at Equifax to plummet from an approx XXXX score to XXXX. Consequently, I was declined on both a HELOC and a business loan. After investigation of the reasonings from the two different banks I had applied to, I discovered my declinations were a direct result of my " Authorized User '' status on her card. I reached out to XXXX XXXX XXXXXXXX regarding this and asked why I had not been contacted when the card went 1 month delinquent so I could intervene and save the account. They shared that as an " Authorized User '' I can be either positively or negatively impacted by the card activity but I would not be contacted to " save '' the account. 

My complaint is two-fold- ( a ) if an " authorized user '' ( not the owner or responsible party of the debt ) can be so significantly negatively impacted by an account in default, efforts should be made to alert them given the downside impacts to their credit as they may be able to intervene to correct the scenario. ( b ) Credit bureaus such as Equifax should grade the impact of closed accounts on well performing " Authorized Users '' differently than owners/responsible parties of the debt. At no point should an " Authorized User 's '' credit suffer so significantly that their otherwise pristine credit would tank. I implore CFPB to investigate and evaluate requiring ( through influence and pressure ) banks to notify, both up front when signing up and when a delinquency occurs, the Authorized Users of the status given the potential impact to their credit. I also request the CFPB to require ( again, through influence and pressure ) the credit reporting agencies to evaluate the impact of these type of delinquencies on Authorized Users ' credit differently given they have no ownership of the debt. At no point should an Authorized User who has no ownership of an outstanding debt be so significantly impacted by a delinquency.
Consumer complaint received 2024-03-15
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. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is Seriously dismissive when you talk to them on the phone. 
Obviously, they do not teach Customer Service Skills. 

My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years.

I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. 
Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit.

TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency.

I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the XXXX and you don't even have the means to make sure that you are reporting this correctly!
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (WI)

Back in XX/XX/2023 I started talking to someone off XXXX and eventually got her XXXX information which happens to be @ XXXX. She then proceed to be pestimistic about crypto currency on crypto.com so one thing lead to another and started off a XXXX investment to make XXXX dollars a day. Which then I was tossed into the reward thing to recieve XXXX for an additional stake of XXXX. She keep pushing the issues and I got the " reward '' which then I wanted out of this. I contacted the XXXX wallet chat saying I needed to give then an additional tax which was XXXX dollars which then I proceed to pay and that was during XX/XX/2023. So I paid this tax then they needed a processing fee of XXXX to get my funds back. Which then somehow triggered a whole investigation regarding the individual that I mentioned on XX/XX/XXXX her account was involved in tax evasion and money laundry. Which locked my XXXX wallet account. They said I can pay XXXX to recieve my money in 14 days. I didn't pay the money. Fast forward XX/XX/XXXX the account was made availble and said I owed XXXX in taxes. If not paid I would'nt have access to my funds if not paid the taxes will go up. So I went on XXXX and asked for help. One of the customer support individuals on XXXX which was @ XXXX and another one which I didn't write down the information down but sent me a link call XXXX XXXX XXXX which they told me that the account got hacked and said that there is no taxes regarding this. So they told me about a rectification process to get my money back which at the time was XXXX so they said to purchase crypto to start the process. As I was making the progress they took the money and those in the chat said that the account and the wallet was hacked. They reported it and then they told me to get another XXXX  wallet to get this process started and completed. The one XXXX user I should've wrote down was being very pestimistic and trying to complete the process. Now into today I talked to XXXX XXXXXXXX cause I am a XXXX in the XXXX XXXX XXXX. The Tax expert made it more clear and apparent that this is all a scam and I got suckered into this.
Consumer complaint received 2022-09-06
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I received an alert from a credit monitoring service I use and when I checked there was a collection account was put on my consumer report. This account does not belong to me and I do not know or have done any business with this company. I reached to this company asking how they obtain my information with out my permission and verification of this alleged debt belongs to me. They have not provided me any validation
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 21 unauthorized inquiries on my credit report, I've called Transunion several times about these inquiries that do not belong on my credit report, one of the representatives told me that they would get the inquiries removed from my credit report when I checked my credit report again, I seen that the inquires were not deleted and the next rep that I spoke to told me that now I needed to mail in documentation in order to get them deleted but that is not what I was told the first time. Due to these unauthorized inquires that are on my credit report I have been so stressed out and losing sleep due to the fact that I can not get them deleted and due the fact that these UNAUTHORIZED INQUIRIES HAVE MESSED UP MY ABILITY TO OBTAIN CREDIT, WHICH IS ONE OF MY RIGHTS AS A US CITIZEN. According to the FCRA the three credit bureaus have to CORRECT False information and in this case they have not done so... 

Violations of the Fair Credit Reporting Act ( Failure to correct false information. ) I will list all the credit inquires here and I would like them deleted immediately due to the fact they don't belong on my credit report XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion
Consumer complaint received 2023-10-18
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 am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I am currently on the extended graduated repayment plan with Mohela. I was placed on this plan during Covid forbearance. Once payments were scheduled to begin, I requested the switch to the standard repayment option so that my payments would qualify for PSLF. I made the request online in my account in XX/XX/2023, followed up by multiple phone calls and emails. My account was placed in administrative forbearance in XX/XX/2023 with payments scheduled to resume in XX/XX/2023. The repayment change has still not been made despite multiple calls to Mohela and assurances that the repayment change will take place within 48 hours.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group (MA)

This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I noticed some unauthorized inquiries from the following lenders. 

CREDIT ACCEPT CORPXXXX CAC ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this information updated as soon as possible.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIB Group, Inc. (MD)

I XXXX XXXX continue to encounter inaccuracies in my report, particularly regarding two reckless driving offenses within the past five years. I have substantiated this claim by submitting an official copy of my driving record showing no reckless driving history in the last 5 years. I kindly request ( MIB ) to promptly update my records to rectify this error, as it is impeding the approval process for my life insurance application. While I acknowledge and appreciate the recent updates to my medical history, I respectfully request the complete removal of an existing error, as it continues to raise concerns among insurance providers during assessments. It is crucial to note that I have never experienced any of the mentioned medical issues in blood, XXXX, saliva tests or XXXX XXXX XXXX ). Your prompt attention to these matters is greatly appreciated.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am an attorney representing the homeowner. Wells Fargo refuses to speak with me despite having submitted letters of representation twice via email to the specific account representative and the homeowner faxed same to the fax number provided by the representative. As I type this complaint, I sit on an indefinite hold awaiting a supervisor. My basis of my representation stems from Wells Fargo 's unlawful debt collection practices, in violation of the terms of its agreement with the homeowner. Moreover, these practices by Wells Fargo include improper negative credit reporting and repeated dunning collection calls despite my repeated notices of representation. I am attempting to resolve this dispute amicably, without litigation and without incurring excessive legal defense costs - they just won't even talk to me.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

I have received calls from XXXX and indicated they were on a recorded line. Advised the number the person was calling was place of business and they need to contact on the personal phone. They have called a couple of times and it is inappropriate to call the work place.
Consumer complaint received 2023-09-26
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-05
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ACC Management, Inc. (AL)

I have a judgement listed on my credit report for 1 Stop Cash from XX/XX/XXXX from the XXXX Al Location. Well i dont remember any details from this account its says that I owe {$410.00} to this place. Well the issue here is is I applied for a mortgage and this judgment shows on my credit. The mortgage company wants me to satisfy this judgment before they will enter the homebuying process with me. I went to this location of this alleged one stop and its out of business since XX/XX/XXXX. then i proceed to the courthouse for more information and all they had was a docket # with no details and stated that I had to pay the owner. Well if the owner is nowhere to be found how can i settle this debt. I 'm not trying to avoid the payment i just want a home as i will soon be homeless. My landlord gave me thirty days to purchase this home because he wants to sell it. If i ca n't pay the courts and ca n't locate the owner this situation can never be rectified. It my understanding that a public record stays on your file for at least 7 more years after its satisfied well that means if the owner supposedly dropped off the face of the earth then it will remain permanently. I 'm severely irritated by this matter and it causing me extreme stress. As a consumer who wants to start over and right any wrongs that may have occurred i feel as though I 'm not afforded that opportunity to do so. Someone please help me in regards to this matter I desperately need assistance thank you.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (NY)

I got a notification of a collection on my credit report and called immediately to the collection agency princeparker. They could not identify me by my name, address, telephone number and my information did not match the collection except for the ssn. I had my ssn stolen and have had several attempted attempts to open credit cards and loans in my name. My file is locked. I have a currenXXXX XXXX XXXX XXXX account which is an always has been current for more than 20 years. The thief was able to use my ssn to open some sort of account somewhere unknown in XXXX for {$230.00} which went into collection on XX/XX/XXXX. I demanded that this account be removed from my file since it was obviously a fraud and the agent hung up on me after demanding that I pay the account in full before they could verify the debt, Agent did not follow through on verifying the debt bc the identifying information that they have on file is for the thief and not me. I want this item removed ASAP. I immediately filed a dispute with XXXX XXXX but XXXX XXXX has not removed the item from my report after contacting princeparker. I contacted XXXX XXXX again today and they were unhelpful. Filing a separate complain against XXXX XXXX based on these facts. I have no information other than what is listed on te credit report for this collection as I have never been contacted by the collection agency or XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX