davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
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. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2023-08-29
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. (NV)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

I have reports to Citi bank that the account they have opened under my name is a fraudulent account. I have never done business with the company and I have never opened any account with them they are are refusing to close this account and remove it from my credit report! This account has a balance with multiple fraudulent purchases and items sent to addresses I have never lived at!
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CT)

I've requested full transaction history under current cash tag, $ XXXX, as well as prior cash tags via email to XXXX, rep with Cash APP, no information provided.. The rep requested current cash tag, email address, mailing address, all of which were provided, nothing received back. I do not have prior cash tags available, however, my email address as well as mailing addresses were provided. The information including full transaction history is required in order to locate fraud transactions which cash app will not resolve in obtaining funds back. The transactions in question were reported to cash app, their extent to investigating includes requesting money returned from receiver, once denied, cash app does nothing further..
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (MN)

On XX/XX/2018 I purchased a XXXX gift cards for my son 's XXXX present. I never received the card. I have strong reason to believe this is due to my United States XXXX Veteran status. There is no other reason to block the transaction.
Consumer complaint received 2024-01-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Morning of XX/XX/XXXX called Reverse mortgage company for a payoff request. Was advised it would be 3 business days. 
Afternoon of XX/XX/XXXX called to see if the information was available yet because the buyers were signing at XXXX that day. Agent said I'd have it end of business XXXX EST on XX/XX/XXXX. 
Morning of XX/XX/XXXX called reverse mortgage company to see if we could get the request expedited. Agent stated they don't do that and it would be end of business. Called Reverse mortgage again that day at XXXX for an update and received a message that the offices were closed for the holiday. 
XX/XX/XXXX called this afternoon at XXXX XXXX to see where the payoff letter was. Was told that the payoff department was behind and could take up to 7 days now. I stated that was unacceptable. They've had 5 full business to provide a payoff amount. She stated that they had to verify attorney fees. I said attorney fees for what. I told her this is their way of taking more money for no reason. And they prolonged providing the info to charge another month of charges. She said that their lawyers had the account for foreclosure proceedings because we didn't have the necessary paperwork turned in by XX/XX/XXXX. I've been in contact with them multiple times prior to XX/XX/XXXX and was never told I had to have paperwork in by that date. They stated we had until XXXX to get the paperwork in for the extension .We hadn't even had the house ready, cleaned out, Realtor hired or anything to be able to get a listing agreement. As soon as it was ready to list I got the information and emailed it over. I called to confirm they got it. They said that the listing agreement that they received was not accurate. They said there wasn't a price listed on it. So I reached out to my agent the same day and got a listed price on the agreement. And emailed it over to reverse mortgage right then. I called a couple days later to ensure that they got the information they did not. Supposedly I needed to send it to a different email address which I did while I was on the phone with him XX/XX/XXXX. Now I'm told today that they never received that email. That's ridiculous because they received other documents at that same email address prior. This is very frustrating and doesn't seem legal at all. I'm hoping you can assist with getting a mortgage payoff as soon as possible for us. 
I would text screenshots of the emails I've sent with the needed paperwork to request an extension and avoid foreclosure proceedings.
Consumer complaint received 2024-04-19
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. (NJ)

Dispute Regarding XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2024 XXXX XXXX XXXX Account # : XXXX Dear Equifax, I am writing to dispute a tradeline on my Equifax consumer report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like Equifax, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline. 

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft.

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my Equifax consumer report. I request written confirmation of this action and any updated copies of my consumer report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Equifax to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX  My Attorney : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NJ
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. (IL)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX and Equifax to provide me with notice of a dispute as required by the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024, I submitted a dispute to XXXX and Equifax regarding inaccurate information on my credit report. Despite my submission of this dispute, I did not receive any notice from XXXX and Equifax confirming receipt of the dispute or informing me that an investigation would be conducted, as required by the FCRA. 
This failure to provide notice of the dispute has significantly impacted me, as I have been unable to address the inaccurate information on my credit report and mitigate potential harm to my credit standing. I am concerned that XXXX and Equifax 's failure to comply with its obligations under the FCRA may have violated my rights as a consumer.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I called equifax because when i pulled my report up on equifax.com the only things i see is one address that belong to an authorized your and the one account from the authorized users account, but I am not seeing the rest of my report. I was in the middle of getting my car loan and already had my pre approval so when my bank went to submit my loan my whole credit profile ie erased other then the one authorized user account and their address. I ask them is there anyway they could delete my online account so I can see if that would reset my profile so way and the XXXX operator XXXX XXXXXXXX XXXX stated she could not close the whole account out so I can create a new one. This has messed me up from getting my car loan today and now this has effected me from being able to make it to work. I need for my credit profile to show all my information accurately.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-08-29
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. (AL)

Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MD)

I applied for a credit card with Wells Fargo, but I was denied due to not having enough time as a customer ( I opened the account when I was XXXX which was 5 years ago ), too much debt in my name ( only XXXX in student loans which can not be paid off until I have finished college ). There were XXXX other reasons I was not sure about I did not understand what she explained to me on the phone.
Consumer complaint received 2024-04-19
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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. (OH)

bureau name : EQUIFAX XXXX address : EQUIFAX INFORMATION SERVICE, LLC XXXX XXXX XXXX XXXX, GA XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EQUIFAX, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (TX)

I sent this company a debt validation letter requesting very specific documentation and they did not provide the documentation i asked for but still attempting to collect on the debt. It's deeply concerning this company will provide the requested documentation. It appears they are not taking my concerns to validate this debt seriously
Consumer complaint received 2024-04-19
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. (KY)

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 2024-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MS)

on XX/XX/XXXX I received a writ of garnishment via email from my HR dept for {$880.00} to begin being withheld on XXXX XXXX, XXXX. There was a judgement attached that was received XX/XX/XXXX. I had no idea of this judgement. I immediately responded to my HR dept to find out what this was about. They could not provide me any information. I searched through all my old paperwork that night and came across a credit bureau I pulled on myself back in XXXX and there was no judgement on my credit file. The next day I called the entities listed on the said judgement and the Law office listed could not find an account for me and proceeded to tell me that the paperwork was wrong. The other entity listed I called and was hung up on first, and when I called back I got transferred to XXXX different people and was given another entity name that actually had the said debt. I called that entity and they referred me to the Law office that sent the garnishment. I called them and was given no information. I was told they would send a letter of validation which I would receive in XXXX  days. While waiting on this I decided to go to my local courthouse and get a copy of said judgement. I picked that up and upon going through the paperwork from them I came across another entity name that the debt originated from. I have never had an account with said entity. I have still not received the letter of validation I was suppose to get in 7 days either. I have had a good credit since I filed bankruptcy back in XXXX. I have not had any trouble obtaining credit in the last XXXX years. I have purchased XXXX vehicles and have credit cards as well. In XXXX before the pandemic hit I was approved to purchase a home. My credit score is over XXXX so I have no idea why I have been targeted and my wages garnished.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.