davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
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. (TX)

Experian credit bureau reporting 30 days late for XXXX XXXX  XXXX. I have contacted XXXX XXXX  XXXX about the incorrect data. They have advised me to contact the credit bureau.
Consumer complaint received 2023-04-17
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. (MO)

I received on my email that an inquiry was placed on several of my credit reports with Equifax, XXXX, and XXXX on XX/XX/, 2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. XXXX XXXX XXXX  placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The reported delinquencies for XXXX and XX/XX/2023 are inaccurate due to XXXXXXXX XXXX loan forgiveness plan. Payments resumed in XX/XX/2023. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.
Consumer complaint received 2024-04-06
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. (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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-04-06
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)

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax, XXXX and XXXX didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX XXXX XXXX is being sued by me and has been served. They allege they repurchased loan XXXX XX/XX/2023. The transfer names you, Rushmore as substitute trustee. XXXX XXXX appears to be making agreements with and contracts with you granting you with power to foreclose on my property. It is unclear to me what is happening with fraudulently induced loan XXXX because XXXX XXXX has taken affirmative action to block any and all communication with me since the alleged transfer. The loan was properly canceled within the three day period, alameda agreed to cancel and rescind in writing, and all money and beneficial interests were returned to XXXX  in check XXXX. 

Please let me know if you are trustee, substitute trustee, or hold any interest my home. If so please note that there is a case pending at state court regarding any and all interests XXXX XXXX has in my property recorded on my title.
Consumer complaint received 2024-04-06
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. (FL)

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 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. (GA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account # : XXXX Name of Account : XXXX XXXX  Amount : {$17000.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$880.00} charged off, {$0.00} balance Account # : XXXX Name of Account : Premier XXXX XXXX Amount : {$530.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$460.00} Account # : XXXX Name of Account : XXXX Amount : {$2100.00} XXXX says not reported but it is
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I sent Experian a letter stating to review my credit report because there is incorrect information on my credit report and due to the incorrect I would like the account removed they responded saying that they will not investigate and that I would have to go to the original creditor myself even though the law states that they have to investigate the accounts the account are This Account needs to be removed Immediately Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Student Loans Balance : {$0.00} Past Due : {$0.00} Date Opened XX/XX/XXXX Account Status : Account transferred to another office High Balance {$0.00} Limit {$0.00} Terms 120 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

I have proof that this is incorrect and I will want this all these account deleted I will attach the date the account was opened and when money was disbursed
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I HAVE SEVERAL FRAUDULENT CHARGEOFFS SHOWING ON MY CREDIT REPORTS FROM PORTFOLIO RECOVERY FROM OVER 7 YEARS AGO, IVE ASKED FOR DEBT VALDIATION SEVERAL TIMES AND THEY HAVE NOT PROVED OR SENT ANYTHING AND HAVE DISPUTED IT ENDLESSLY AND IT ALWAYS COMES BACK VERIFIED INSTANTLY, THEYRE REPORTING INACCURATLEY ACROSS THE 3 DIFFERENT CREDIT BUREAUS, THEY HAVE ADDED ADDRESSES IVE NEVER RECIDED IN AND ALSO MY BIRTHDAY ON XXXX IS INACCURATE SHOWING MY DOB AS XXXX I WAS BORN IN XXXX. I SEE THERE IS NUMEROUS CLASS ACTION LAWSUITS FOR THERE FRAUDULENT BEHAVOR AND SCARE TACTICS I HAVE RECEIVED SEVERAL PHONE CALLS TRYING TO INTIMIDATE ME AND SAY I WOULD BE ARRESTED FOR NOT PAYING. THE STATUE OF LIMITATIONS FOR THIS SO CALLED DEBT HAS EXPIRED YEARS AGO I NEED HELP REMOVING IT FROM MY CREDIT AS IM IN THE PROCESS OF BUYING A HOUSE.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (OK)

First, how can you close a case without the main solution? I STILL CAN NOT LINK MY XXXX ACCOUNT TO PAYPAL!!! 

This is my third complaint within the month with PAYPAL I discussed this with XXXX  and determined the issue was with PAYPAL, and yet I receive a long response from XXXX  that does not solve the base problem. I have had my XXXX bank linked with PAYPAL for about twenty years. this was investigated and found no faults or issues with my account. PAYPAL upgrades and deletes my account. No matter how many times they notify me that that has happened, until they allow my bank account to be linked, the problem will continue. 

PAYPAY has my banking information. UNLESS THE RESPONSE IS MY ACCOUNT IS LINKED, I WILL CONTINUE TO SUBMIT COMPLAINTS.
Consumer complaint received 2023-10-09
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)

I am filing to formally present a complaint against Experian and XXXX Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (AL)

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 XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish XXXX information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. The XXXX  XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.
Consumer complaint received 2023-10-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Army and Air Force Exchange Service (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604a, section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

NEW AMERICAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-03-19
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: CORELOGIC INC (IL)

I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution Credco XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-12-09
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. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX  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 2023-04-20
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. (SC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (IL)

Experian is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The account in question is under the name of XXXX XXXXXXXX XXXX, with a date of opening on XX/XX/2017, and a balance of {$20000.00}. Let me make it abundantly clear that I did not open this account or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

AFTER DOING A MINOR AUDIT OF MY ACCOUNTS I FOUND SOME FRAUD CHARGES ON MY CC. I REACHED OUT TO THE CC AND WAS TOLD BY CAPITAL ONE THAT I NEED TO CONTACT XXXX XXXX AS THE ACCOUNT WAS TRANSFERRED OVER. WHEN I CONTACT XXXX XXXX THEY TELL ME TO CALL CAPITAL ONE. I DONT UNDERSTAND THIS BACK AND FORTH AND WHY THEY REFUSE TO HELP ME.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX