davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
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. (IL)

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 2020-04-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM 3949A AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.
Consumer complaint received 2023-10-14
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. (MD)

I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX I received a stall letter via email from Experian stating that they did not know if it was me that sent my original dispute letter, even though it was sent with proof of identity. I have now sent out ANOTHER letter with proof of identity AGAIN stating that Experian is reporting inaccurate information and needs to reinstate the investigation request and get back to me within 15 days being that they have ALREADY ignored my first letter and that I will file a complaint.
Consumer complaint received 2023-10-14
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. (VA)

I have no knowledge of these accounts ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these alleged debts are reported as a chargeoff collectionon my XXXX, XXXX and Equifax consumer reports which is negatively affecting my ability to obtain credit.
Consumer complaint received 2023-10-14
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. (VA)

I have no knowledge of these accounts ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these alleged debts are reported as a chargeoff collectionon my TransUnion, XXXX and XXXX consumer reports which is negatively affecting my ability to obtain credit.
Consumer complaint received 2023-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

I was making payments on time but I was involved in a car accident and I tray to negotiate with them I I told with them about my situation but they didn't work with me also they send my to collection I didn't think is fair becouse becouse I dint have income even for my self and also I didn't have enough money to pay the amount they want to pay to the company
Consumer complaint received 2023-10-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VA)

1. Balance was paid in full in mid XXXX ( ~ {$140.00} ) XXXX. In XXXX we were sent a statement that says we had XXXX something dollars worth of credit in the card, XXXX. XX/XX/XXXX : They went into my bank account and withdrew {$45.00} ( an arrangement I had made with them prior to account being paid off ). This is despite the account being paid off. 
XXXX. XX/XX/XXXX : They went into our account and deposited the {$45.00} they withdrew on XX/XX/XXXX ( again, because the account was paid off ). 
XXXX. From that point on, they started charging us for checks bouncing from our bank account. Obviously nothing bounced since : ( a ) account was paid off so they were not supposed to withdraw any money, ( b ) they went into the account and actually withdrew the money successfully and deposited back in. 
XXXX. For the past month my husband has spoken to six customer representatives and escalated this twice and no one was able to help. Plus, they even charged us now for being late on bogus charges despite the account being paid off since XXXX. Every time my husband calls they want me on the phone to approve despite authorizing my husband on account ( even to take off the bogus extra 'late ' fees we are being charged ). 
XXXX. I tried to reach out to IKEA on social media to escalate and no luck.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from Transunion on XX/XX/2019 however XXXX & XXXX  will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MD)

I hold a XXXX XXXX card and my payment is due on the XXXX of each month. On the XXXX or the XXXX when I log on to make my payment, the system is always down. It has happened 3 or 4 months in a row. After complaining I was transferred to an agent in another country. I do not feel comfortable giving my payment information to an agent in a foreign country for processing. I asked for a supervisor and the agent pretended to be a supervisor, and I later found out that the supervisors dont come in until an hour later. He tried to change his voice and threatened me with late fees if I didnt pay him. I refused and he spouted my bank account information off. I do not appreciate them allowing access to my information without my permission. When I signed up for this card the agreed upon payment methods included online self managment. Those options are not being made available to me, which is that I should be able to self manage the account online. I feel this is done intentionally to encourage incurrence of late fees.
Consumer complaint received 2023-10-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

MR COOPER mortgage company in XXXX, TX is my mortgage company. My name is XXXX XXXX and I requested for assistance and was told I needed to fill out a form in XXXX via phone call. I was told everything was on hold until the results came. Time pass and I get no form just a letter saying to send income statement of w2 so I sent it and was told no form was to be filled out and I was good. More Time pass and now I need to fill out the form that I was initially told i was getting in the mail and then that I didn't need it, but now I need to fill it out after the third encounter wasting more time. Late fees accumulated and i see a default on my online account and im confused because I was told everything was on hold so I was misinformed and poor communication on their part by not giving all the information to make the best choice for myself and not sending important paperwork that I was told I need, then I don't need it and now I do getting the run around. My credit score dropped over 100 points and if I knew it would not be on hold and my credit would drop I would've never done it. It showed over 30 days late and we are waiting on them and I keep being told one thing and they're delaying the process by not giving me accurate information and giving me what I need. The form was never mailed so I had to go online which it wouldn't even allow me to fill it out on. My last call with Mr Cooper XX/XX/23 at around XXXX XXXX I was told no matter which plan I got it was going to drop my credit and I dont want to do either plan. I will just work harder to pay it up to date and today I made one mortgage payment and next week I'll catch it up. I'm upset because had I knew this from the start i would've never even tried to do this but I was assured everything was on hold. It's not fair and I'm upset they never sent the forms that caused more wasted time increases the days of late payment that was supposed to be on hold. I would appreciate some help with this situation. My credit was over 700 I worked so hard to get there and by misinformation and lack of efficiency on sending documents my credit which I value has been damaged PLEASE HELP.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

I am writing this due to non-compliance with the KIMBALL TIREY & ST JOHN. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST.

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2023-10-14
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. (GA)

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 2023-10-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

SYNCBXX/XX/XXXX Credit Card Last reported XX/XX/XXXX Payment details XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX -High balance {$420.00} Times XX/XX/XXXX days late XXXX Account details Account number XXXX Account type Credit Card Account condition Closed Date opened - Responsibility Individual Limit {$2500.00} Creditor info Lender SYNCBXX/XX/XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX I put a note on my credit report that my id had been stolen they closed the account saying there was fraud and I explained everything they said there was nothing to do even though it was hurting my credit report. This was a fault on their action, not mine, i did what I was supposed to do
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (NY)

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Incorrect information on my transunion report and XXXX report I need to add the XXXX on my credit reports with both companies transunion and XXXX and take the incorrect addresses on my Transunion credit report and extra names and phone numbers on my transunion credit report.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MECHANICS BANK (CA)

XX/XX/XXXX I called XXXX police department to come out and make a report that my car was stolen. I was informed to contact my insurance company, I received the phone call from the police station that my car was not stolen it was repoed My car is completely paid off XX/XX/XXXX, I have all my receipts no missed/late to any of the Mechanics bank or CRB. I owe XXXX no amount of money.. Who are they.. call bank huh there is no Bank I own my car outright for one year now credit report proves paid in full I have legal title ownership, this company has fraudulently stolen my vehicle and requested a new title for what reason I don't know I have title legal ownership and registered owner there's no liens no court dates no repo orders no court orders or judgments per DMV printout available upon request it's unfair to take a person property their only means for transportation. and sell it back to me. im credit worthy My credit report my receipts show and prove paid in full XXXX balance. 

I've tried to solve this problem over the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX and in person on XX/XX/XXXX at XXXX XXXX. at the address provided they made a copy of my ID and told me that I could not have my property as I handed them a copy of a demand letter and Notarize documents to solve this problem by releasing my vehicle instead im asked for my car keys they expect me to hand over my property that I own outright they give me phone numbers and addresses that does not exist, I've taken all the steps via DMV to obtain my rightful title my car was fraudulently stolen from XXXX CA . Mechanics Bk was a personal indirect loan that was paid i full after 3 years this was an Unsecured loan and my car can not and is not, and was not used for colattoral. 

I have seen the reviews similar issues has been reported to XXXX regarding the same issue as mines. I heard how XXXX has returned vehicles to rightful owners in poor and damage condition amounting in costly damages after a XXXX report has been file against this company and all that is involved... I want my XXXX XXXX XXXX  to returned to me in excellent condition without retaliation for filiing a XXXX claim to get my car back. ; Return my vehicle remove from your repo list car returned in excellent condition no body damage etc...
Consumer complaint received 2023-02-08
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$280.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} ; XXXX SELF-REPORTED XXXX Balance : {$190.00} ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently was made aware of an account that is not mine I havent given my verbal or written consent to anyone to open such account I have disputed this account multiple times with both the credit bureau and the collection agency but to no prevail I have attached documentation to disputes proving this collection account is not mine but they keep telling me is been verified even tho they wont supply me with the original documentation with my signature binding me to this account
Consumer complaint received 2023-11-10
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. (TN)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-14
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. ()

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-10-14
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 have been disputing errors and inaccuracies on my credit report for many months. The agency, EQUIFAX, has not resolved the issue within the timeframe established by law. Instead of conducting a proper investigation, every time I dispute the inaccurate, erroneous, and false information on my credit report, they only move the items from one place to another, prolonging the response time. 
This damages my name, my character, and greatly harms me by causing financial losses due to these intentional or negligent errors. 
I have lost financial opportunities and experienced significant emotional stress, having to deal with an issue that should have been resolved long ago if only EQUIFAX would fulfill its obligation. 
I have the dispute process thoroughly documented, where I can demonstrate all the letters I have sent, as well as all the violations committed by EQUIFAX and/or furnisher, including stall letters, willful and negligent non-compliance.
Consumer complaint received 2023-10-14
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. (CT)

Today, XXXX XXXX XXXX I checked my Experian credit file and noticed that a new hard inquiry appears on my credit report from XXXX XXXX XXXX dated XXXX This inquiry was not on my credit report yesterday when I submitted yet another complaint to the CFPB about inaccurate information being reported on my Experian credit report. I do not have any credit cards from XXXX XXXX XXXXXXXX nor have I applied or authorized a credit card application with XXXX XXXX XXXX. I am in shock at the mishandling of my credit report from Experian. This can not continue any longer. This mishandling of my credit report is hindering me from purchasing a home.