davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my six 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.

( Original Creditor : ) XXXX Balance : {$590.00}
Consumer complaint received 2023-01-03
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 Balance : {$81000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX  XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-31
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. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (PA)

Equifax credit report - XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I was not receiving my mail and a debt was sent to collections and subsequently on my credit report. I disputed the collection with XXXX, XXXX, and Equifax. XXXX and XXXX deleted the collection. Equifax did not delete the collection. I paid the debt owed, I would have paid the debt owed if I wasnt XXXX and receiving my mail. Two out of the three credit bureaus deleted the collection except Equifax. This does not follow the CARES act. I have filed two disputes with Equifax and have gotten no where with them.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

Commentiy bank was contacted XX/XX/XXXX to file a fraud claim. The XXXX claim was resolved within 30 days. Zales has now been " reviewing '' my claim for 99 days. I have attempted to call them three times with the only answer being " we will contact the investigator ''. I have requested a call back from the investigator twice and never received any call back. This account was opened in Oregon. I live in Florida and have transactions in Florida at the exact same time as the purchases in Oregon. I have tried to explain this to Zales with no avail.
Consumer complaint received 2023-10-10
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. (HI)

I received a copy of my credit report and I filled multiple disputes ( I havd attached documents to prove the multiple disputes I have filled ) about the following information that appears on my Equifax report, XXXX and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via XXXX XXXX XXXX XXXX  on XX/XX/2023. 
Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report. Please remove any information that the creditor can not verify. 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, XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!
Consumer complaint received 2023-10-10
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. (HI)

I received a copy of my credit report and I filled multiple disputes ( I havd attached documents to prove the multiple disputes I have filled ) about the following information that appears on my XXXX report, XXXX and TransUnion. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via XXXX XXXX XXXX XXXX on XX/XX/2023. 
Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report. Please remove any information that the creditor can not verify. 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, XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance Owed : {$2200.00}.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Applied for construction loan in XX/XX/2023. Submitted required paperwork. Was accepted. Now they will not close loan. Ive submitted XXXX XXXX documents, proof of retirement accounts ; 35 year work history ; and pay stubs ; only to be delayed for six months. To this present time. Close dates have been promised and cancelled.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These inquiries are unauthorized and not related to any transactions by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these inquiries, these are a result of identity theft. I would like these deleted within XXXX business days I would like these inquiries removed, per 15 U.S Code 1681c-2. Thank you.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-10
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: Experian Information Solutions Inc. (VA)

Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.govXXXX 

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX XXXX which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

For the last several months, I have not been able to get a Trans Union credit report or even go online to dispute information. On XX/XX/XXXX XXXX in via XXXX and they said that they would work on it. The representative messaged me back and asked if I knew and I said yes, it was my husband. They proceeded to tell me that his information is intertwined in my account and I asked What lender was reporting it because XXXX XXXX XXXX XXXX has had issues with me and have been incorrectly reporting things. The XXXX XXXX XXXX also has contradicting information because they send me different letters saying its fixed on different credit bureaus but its not! The agent refused to help me and they refused to give me free credit report. Ive called via phone, via message and Ive done previous complaints.
Consumer complaint received 2023-10-10
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. (FL)

This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

A short time ago, Governer XXXX of NY said that Mortgage payments can be deferred due to hardship caused by the Corona Virus. I am a XXXX XXXX XXXX that is being affected. I called PNC Mortgage and they are not honoring what Gov XXXX had put in place. I was treated like a delinquent payer and was said I could defer for 3 months and would have to pay the full amount back in XXXX. Does that make sense? If no money is coming in during XXXX, XXXX and XXXX ... How can you pay it all in XXXX? Other banks are allowing you to defer to the end of the mortgage. This is awful. I had spoken to XXXX in collections in regards to this.
Consumer complaint received 2024-04-17
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. (OH)

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 2023-04-23
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: Experian Information Solutions Inc. (FL)

I found unauthorized inquiries, fraudulent accounts, and incorrect personal information on your credit report, my consumer rights may have been violated. Take action by contacting the credit reporting agency to dispute the information, contacting the responsible companies or individuals to request removal of the incorrect information, filing a complaint with relevant government agencies, and consulting with a consumer protection lawyer if necessary. Protect my personal information and hold those responsible accountable for any violations of my rights.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, 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. (TX)

XXXX XXXX XXXX XXXX was notified of a hard inquiry that was not authorized by me. I have been told that they are not able to provide anything to me nor will they notify the credit bureau that this is fraud. I have disputed this with Equifax without success, and an investigation that Equifax says may take up to 30 days, turns around in less than 24 hours as closed without acknowledging or removing the fraud.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I signed up for a Best Buy credit card ( through Citi ) in-store in XX/XX/2018. I signed up for the card to save 10 % on a purchase, so when I returned that entire purchase ( defective product ) there was no longer a need for the card. I had to wait for weeks to call due to initial setup, etc. I finally got a hold of the customer service and had them cancel the card. However, I noticed I kept receiving card-holder offers in the mail, indicating the card hadn't been closed. I called back and ... closed the account again. Same thing happened again. Now, for months ( since last XXXX ), I've been trying to get a hold of them to close my account. I call all the time, and every single time I call I get to the point where I'm supposed to get somebody on the phone to cancel the account, wait for 10-15 minutes, and then when it sounds like somebody has just begun to pick up the phone, it hangs up. I'm unable to access the account online. I don't have a physical card. I don't have any way of getting them to close the account. 

This is fraud and I would like to press charges against Best Buy, if possible. I'm willing to pay thousands of dollars to pay for attorney fees to get this going, if somebody can point me in the right direction. I've tried contacting the FBI 's fraud division, but they sent me to CFPB.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This company XXXX XXXX is reporting FALSE AND INACCURATE information on my credit report. As you can see the agent said there is no late payment, yet they are reporting to both XXXX and Equifax the account is late causing problems with my credit score. I want this deleted immediately.