davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (LA)

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.

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 2023-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There's some kind of mistake on the company 's reporting on my credit report as I was never late in paying them monthly and because this is important to me.
Consumer complaint received 2024-01-02
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 was a victim of the EQUIFAX DATA BREACH. I sent certified letter to them on XXXX THRU XXXX CERTIED TRACKING # XXXX & USPS RETURN RECEIPT TRACKING # XXXX. NO RESPONSE FROM THE COMPANY
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (IN)

I have previously disputed ( XXXX  XXXX Bankruptcy XXXX ) With you. And i NEVER received a response, you previously verified the item as accurate, stating that you have verified this information with the court and XXXX XXXX. I contacted the court, and XXXX XXXX their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (MI)

Stenger & Stenger , P.C. on behalf of XXXX XXXX XXXX and as of XX/XX/XXXX XXXX XXXX XXXX XXXX, claims that I owe them a debt when I have never hired or have given expressed written consent to contract with me in any capacity. They've gone as far as filing for a judgement against me when they haven't provided proof of service or any shred of evidence that I owe them any amount. They refuse to produce any contract with my signature granting their company or employees permission to buy my personal information, contact me or to sell my personal information to a 3rd party. They have been harassing me about this unsubstantiated claim since XX/XX/XXXX. They also refuse to produce an explanation as to their process of validating their claim against me. They have been awarded judgement through violating my right to Due Process as I was not informed that there was a court date set. They've filed a Wage Garnishment with the State of Michigan as well. They have recently filed a motion to substitute that company awarded the judgement thus selling my personal information without written consent. This constitutes Identity Theft as well as Human Trafficking if any securities were created from these fraudulent claims and subsequent Adverse Action that has affected my ability to obtain credit. I've sent several requests for a contract containing my written consent with both parties agreeing to the alleged " debt '' and multiple Cease & Desist letters to no avail. Interest has caused this alleged debt to double since XX/XX/XXXX. They are in violation of 15 USC 1692 ( c ), 15 USC 1681n and 15 USC 1681b.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is blatantly breaking the law. AND XXXX XXXX XXXX IN THE SPECIAL HANDLING DEPT HAS REFUSED TO FOLLOW THE LAW.She even blatantly lied and said hard inquires are indisputable. THIS IS FALSE! I have reported identity theft with ftc and have sent information to Transunion including two pieces of documentation of my theft and they have REFUSED to block any information on my credit report that was a result of the identity theft.

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have had no transactions with with any of these hard inquiries or accounts that are on my identity theft report.

transunion sent a letter back saying they denied the block because " i have obtained possession of goods, services, or money. " This is a lie and they have no evidence that i have obtained ANYTHING nor have i obtained anything from these accounts or inquiries.

According to 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I ask that Transunion provides factual evidence that I have received possession of any goods, services or money with wet signature giving any of these hard inquires or fraud accounts permission to report on my credit report OR for Transunion to deny blocking this information WITHOUT EVIDENCE.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (NC)

About I guess a year maybe two ago Id purchased a vehicle and ended up. I did fall behind on some payments ended up basically with Covid and everything had some struggles and I therefore kind of got behind and was discussing it with the company into avoid any issues you know I said he will. Can we avoid a charge off if I just pay it off I was told yes that if you overnight the check to us then it will not be a charge off. It will be paid off and just show paid on your credit report however at this point it now shows charge off and it has been really hurting my credit. Ive tried to work something out with him to no avail and, I just really been a struggle moving forward in any capacity theyve been very difficult
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. (VA)

On XX/XX/XXXX  i noticed some violations on my Equifax consumer report. 

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you Equifax permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, Equifax, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note I have also attached an invoice for said violations.
Consumer complaint received 2024-03-29
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXXn accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

I received a notification on XX/XX/XXXX from XXXX XXXX that my CITI Best Buy account was closed, when I called I spoke to 3 people, the first time I was told that it was sent to me via my CITI account, I checked, and nothing. On the 2nd call, the manager ( XXXX ) was so rude that I asked to speak to his manager. Once his manager came on, he told me it was emailed to XXXX. I checked the spam and regular folder in multiple ways, searched by name, date, and anything related to Best Buy or Citi Bank, and nothing. I reached out to the CEO of Best Buy and Citi and spoke to Citi 's corporate team, if I had received notification I would have used my Best Buy card if I would have received notification. I did not receive any notification until the final notification that they are not changing their mind but I can reapply, this not only hurts my credit by closing an account with no notification giving, but opening an account will ding my credit as well. I am opening a business of my own and need my credit to obtain a loan, CITI bank has ruined my credit, I did speak to an attorney, and he advised me before taking legal action to file a complaint first. I have the documentation to provide on what I did receive and my XXXX XXXX notification, which came in XXXX and my account was closed in XXXX.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (IL)

On XX/XX/year>, I sent a cease and desist letter to XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX, regarding an alleged debt of {$2100.00} under account number XXXX and court case number XXXX. In this letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g, 15 USC 1692e ( 1 ), and 15 USC 1692c, to demand the following actions : Immediate cessation of all communications with me regarding this alleged debt, except to confirm cessation of communication or to notify of intended legal actions. 
Deletion of all tradelines associated with this account from my credit records. 
Dismissal of all ongoing legal actions related to this debt. 
Provision of a full validation of the alleged debt. 
Provision of an XXXX XXXX for the account detailing all transactions and notations. 
Despite my clear and lawful requests, Absolute Resolutions Investments LLC and XXXX XXXX XXXX XXXX. have failed to comply. They have neither ceased communication nor removed the tradelines from my credit records. Additionally, they have not dismissed the legal proceedings or provided the requested validation and XXXX XXXX. This non-compliance constitutes a violation of the FDCPA and has caused me significant stress and emotional distress.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Please help with this important matter. Another fraudulent inquiry was alerted to my cell phone. I am not liable for this inquiry please remove as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

Newrez/Shellpoint sent me a letter dated XX/XX/2023 saying theyve paid my homeowners and now have a new bill from another company. I have no idea what they are talking about, but I suspect theyve confused the forced-placed insurance they purchased when they allowed my XXXX homeowners policy to expire, with the XXXX homeowners policy that I had in place since I purchased this home. 

This company is so hopelessly incompetent they should not be allowed to service loans. 

I dont want their forced-place insurance. I want them to pay my XXXX insurance and correct the mess they have made of my escrow account. 

As of today, XX/XX/2023, Newrez has STILL not paid my homeowners insurance which was due in XXXX. 

Please help! I am at my wits end with Newrez.
Consumer complaint received 2023-08-31
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. (IL)

I recently made a complaint about XXXX reporting inaccurate information on my report. XXXX removed everything from my report as ask. XXXX AND EQUIFAX have been illegally reporting information on my credit report and I need them all to be removed. I have made an address change and everything and collections and inquiries are still not removed but have been removed completely from XXXX. They need to be removed from equifax and XXXX as well asap. Below is proof that it was removed from XXXX  but not the other two
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (FL)

So on XX/XX/XXXX I was to have my package delivered it wasnt after trying to talk to the merchant for week they said stop calling and we aint gon na take your calls anymore so I contacted the card company, gave them screenshots of order and info that XXXX wasnt helping even a lost package report from XXXX then they dispute {$1100.00} then sent letter and even on call told me it was closed and no need to worry they did the credit then two month later they drop the charge on my account again so I just redid the dispute and they told me today it closed and they gave the credit just like the last time and I dont wan na be used again so if you guys can help they keep telling me it is closed just to reopen it later
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXX {$900.00} XXXX XXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}
Consumer complaint received 2023-10-30
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. (CA)

Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (NJ)

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

Dime bank, savings account. Never used debit card that came with it, ever, as money just sits there for savings. Somehow account got compromised, starting in XXXX, 2023. XXXX notice of fraud from Dime bank came in text XX/XX/2023, asking if this is my transaction. Immediately shut down, so no more fraud going forward. Now they won't return XXXX from XXXX, 2023, saying it's too far back to replace. I filed twice to reopen fraud case and get money back from XXXX, as they did return XXXX, XXXX, and XXXX 's 2023 fraud money. Nobody will call me back now and they keep transferring me to customer service, then they tell me to call fraud department again. Here we are. I've never used bank card or carried it anywhere so fraud didn't come from my use of card/skimming. They have admitted that XXXX XXXX is a known scam with history. I just want 12 charges of {$9.00} replaced into my savings account.