davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (NJ)

this is a real personal complaint made by me XXXX XXXX. Not a third party company or anyone else. I am a victim of identity theft, i submit a report to the credit reporting agencies and they didnt remove any of the accounts. and per the fair credit reporting act they have XXXX days to remove all of the accounts.
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: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX ( XXXX ) 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 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

The company SEQUIUM ASSET SOLUTIONS has fraudulently placed their information against my social security number and it's causing great harm to my report. I reached out to this company multiple times over 30 days ago that this account is not mine as I have not signed a contract with them or any company they affiliate with and they have been unable to validate the debt and have not stopped reporting it against my social security number. They have no proof or validation that this debt belongs to me and refuses to remove it. This account is fraudulent and was made without my consent. This is the only thing on my credit profile that's holding me up and it's not my responsibility. SEQUIUM ASSET SOLUTIONS is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. This account need to stop reporting against my social security number and be removed immediately from my credit report.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, my attempt to make a purchase through Citi XXXX using my Citi credit card was declined. Upon contacting customer service, I was informed of a system error. The representative attempted to verify my phone number but was unsuccessful, resulting in an unresolved issue after a XXXX conversation. 

The following day, I contacted Citi again seeking a resolution. The customer service team repeated the verification issues and proposed sending a verification letter to my address, estimated to take XXXX business days. I requested a quicker resolution, such as supervisor intervention, but was told no supervisors were available, and the letter was the only option. 

By XX/XX/year>, the verification letter had not arrived. When I called to request alternative verification methods, I was told to wait another week as no other options were available. 

As of XX/XX/year>, I still have not received the verification letter. Further inquiries have resulted in the same response, with no provision to update or confirm my mailing address, despite my ongoing attempts. 

This series of interactions has not only prevented me from utilizing my Citi credit card but also calls into question the value of the annual fee I pay. I am seeking an immediate resolution to access my account, a waiver of the annual fee for this year, and compensation for the inconvenience and inability to use my card benefits during this period.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

I have contacted the company on various occasion trying to resolve the matter to no avail, I receive an email stating that they cant verify my identity and I am no longer responsible for the amount, I contacted them on XXXX, the amounts are XXXX and XXXX, I have email going back and forth trying to resolve the matter and also emails from them stating that the balance will not be my responsibility.
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. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX  ) ( XXXX  ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 2023-08-30
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)

The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED
Consumer complaint received 2023-09-22
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (NY)

In XX/XX/, I received the first collection mail from the creditor name One Main Financial for the loan amount {$12000.00}. I ignored the first letter doubting and thinking it could be a scam. Upon receiving the second mail on XX/XX/, demanding the loan amount {$14000.00}, i took the letter content concerning. i called the creditor Customer service to enquire about and dispute .After questioning and informing that neither i applied for the loan nor i took the money. The One Main agent XXXX, to my response informed me that i had provided my Social Security ID, along with my Identification and W2 form from XXXX. I have the recording of the call. One Main claimed that the W2 form from XXXX was submitted, whereas i have never worked at XXXX but only in Service sector. I disagree and claimed that the loan was taken by me and i have never taken any loan in my life, then the agent stated that it could be fraud. My call was transferred to One Main Financial fraud department. Then i spoke to the One Main Financial fraud department agent name XXXX, I was instructed that One Main agent will file a fraud case for the victim of fraud .I was asked to submit, an notarized affidavit along with a photo copy of my State ID, proof of resident ( XXXX  mail ) and Social Security , and inclusion of police report However i could not file a police report as i needed the location of information and the time of fraud. 
I called couple of time to One Main to request the information of the time and the location of fraud. They were not confident to provide the information but only the time of opening an account and the date. On XX/XX/2022, Time XXXX XXXX XXXX the account was opened. Going back and forth with One Main agent, it delayed me to file a case at the Police station. 
The first investigation was submitted without the police report. Their investigation was concluded the police report was missing, and the loan application was not a fraud case but it was valid, which i still disagreed and dispute. 
Since i had Police report, i disputed the first investigation conclusion. On my second dispute I submitted the Police report. The second investigation was again concluded with statement that the account was not fraudulently obtained and remained a valid debt in my name. 
I sought help from XXXX, their investigation was concluded stating that the loan was obtain by me. 
The creditor One Main account information is still showing under my credit report. 
Since i have drained my source of help, I request CFPB to help me investigate to the depth. I do not own a debit account other than XXXX bank. I have not loaned above mentioned amount ever in my life. 
I am the victim of Identity theft and fraud case.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize XX/XX/2023.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (LA)

These inquiries are unauthorized and they are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
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: Experian Information Solutions Inc. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Consumer complaint received 2023-10-09
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. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Consumer complaint received 2022-12-07
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2023-04-18
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report online from Equifax only to be told continually year after year to contact them directly in order to receive my report. This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this same issue. If certain reporting agencies are exempt from providing credit reports online, please note this on the free credit reporting web site so consumers stop wasting their time. I get tired year after year going through the process of filling out all of my personal information online, then submitting it only to be told to contact Credit Agency directly every time. Personally, I feel it is just some scam to make consumers call the credit agencies reps to hear about their latest products or services their selling before getting your credit report.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (MS)

Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
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. (MD)

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 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 2023-06-16
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: ENOVA INTERNATIONAL, INC. (AR)

Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX ( MO } XXXX, I may presume that no proof of the alleged debt nor any such debt in fact exists.
Consumer complaint received 2023-10-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

I requested on XXXX  that Transworld Systems Inc. provide proof of debt owed and proof of debt collection license. 

On XXXX  I placed a call to Transworld Systems Inc. to verify if they received my email communication containting the dispute letter that was sent to them. They verified that Transworld Systems Inc. did receive the dispute letter. I asked that since they received it they provide the infomartion requested. They said that they did not have to provide anything and that isn't how it works.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

I received a mortgage through modification in XXXX. The mortgage originally was in my wife name. She passed in XX/XX/XXXX. I reached an agreement with XXXX XXXX  company and received the documents of ownership. The mortgage name was changed to my name. The mortgage was sold to XXXX XXXX  XXXX and Rushmore Loan Services company by XXXX. In XXXX the company changed to Rushmore Services. The owner name on the mortgage continued to list my name. XX/XX/XXXX the name was changed to my deceased wife name. I called to have it changed back and was told that an employee had erased the information and I needed to provide documents to change it back. I provided documents to through email XX/XX/XXXX. After no response or change I called in XXXX XX/XX/XXXX and was told to provide documents again. I provided documents XX/XX/XXXX. The name change listed estate of my deceased wife and me as C/O. I called and resubmitted the documents XX/XX/XXXX. I received a call this time telling me they did not feel the documents were adequate and to change the name I would have to pay off the mortgage. This is the point where I explained it was obvious I needed assistance with this problem that was created by someone in their company. I was told again paying off the mortgage would resolve the problem.