davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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)

I just recently looked at my credit report on. I saw some hard inquiries that did not have permissible purpose. I have also attached evidence : [ XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2024-04-12
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)

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 2023-04-24
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. (TX)

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 2023-12-14
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX Comenity Bank for Victoria secret started reporting a new closed account. It has the exact same open date, charge off status, credit limit, close date ... ect the only difference is it has a different account number. The one that belonged to me was number XXXX. The new second account ends in XXXX. I called comenity and they said in the system it shows I never had the account ending in XXXX. I was then told they can't do anything because there isn't an account to fix. I asked for an email or phone number to their credit reporting office and they said neither exist. I can only send a letter through the post office and wait. I don't want to wait it hurt my credit immensely. I filed a dispute through the reporting companies and they said it would remain on my credit. 

I have even paid the collection through XXXX for the charge off that was my responsibility.
Consumer complaint received 2023-12-14
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: Westlake Services, LLC (FL)

On XX/XX/2023 Westlake Service Inc reported a hard inquiry with all 3 credit bureaus. XXXX, XXXX and XXXX without my consent. I advised them to provide me an agreement between I and them to run my credit and they fail to provide that. I need this inquiry removed from all 3 credit bureaus.
Consumer complaint received 2024-04-12
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. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ROC Asset Solutions, LLC (CA)

I believe this to be a third party collection agency by the name of API and I am just a reference for my son  XXXX   XXXX   XXXX . I have ask this person "  XXXX   XXXX  '' not to call because  XXXX   XXXX  does not live here, I even confirmed  XXXX  's cell phone number with him and ask them not to call my home or cell (  XXXX  )  XXXX  or (  XXXX  )  XXXX  on  XXXX / XXXX / 17  at  XXXX   XXXX   XXXX   XXXX  called my home (  XXXX  )  XXXX  again today  XXXX / XXXX / 17   XXXX  from (  XXXX  )  XXXX  claiming my son told him on Friday to call this number, which I know for a fact, is n't true??? This  XXXX   XXXX  is very, very rude and I asked him not to call again and he stated that he would be calling me again tomorrow, again he 's very, very rude and basically told me I do n't have any rights.
Consumer complaint received 2024-02-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

XXXX XXXX XXXX XXXX XXXX Keep getting spam by different numbers even if they been blocked. Been XXXX  when working or on my days off. It has came to a point where Ive tell them to stop spam calling me.
Consumer complaint received 2023-12-14
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: GOLDMAN SACHS BANK USA (CA)

XX/XX/23 I first arrived at a hotel I booked for my family in XXXX. The name is XXXX, but it was a XXXX The way the receptionist greeted us was rude. I asked for an upgrade option, but he laughed and answered in a XXXX manner that we need to contact who ever we booked with. The rooms have no bathroom inside. The shared bathroom and restroom are dirty and no gender separation. We came back down and asked for a refund. Again, the receptionist told us to contact the site we booked with. We contacted the site, which is XXXX. They said we need to stay 1 day, and they will contact again tomorrow. After laying om the bed for a while, I got bed bug onto my arms and back. I decided to book another hotels and moved immediately. Now Im asking for a full refund. They didnt. So I disputed with my bank. The dispute also got denied.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (GA)

I received a debit card in the mail with a letter that said welcome to the Chime family. It had an activation code, a banking routing and account number listed. My name was listed as the account holder. I did not open an account with Chime.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of the following accounts.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-04-24
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. (MA)

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 XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$350.00} ; XXXX XXXX XXXX  Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-05-08
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. (KY)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

Good Evening... I am XXXX grad- student at XXXX XXXX University of the year XXXX. There had been a garnishment put on my student loan by the company NAVIENT IN XXXX. They are taking out XXXX then and now.. The amount of the loan has been met. But the company refuses to let go of returning money overdrawn now.. This amount is XXXX. The amount of my social security that I get now is XXXX the amount of increase for the new year allows me to receive now, XXXX This is the amount that is suppose to be going into the account, but is not.. The Department Of Education is garnishing XXXX still.. I tried to go into the social security office to tell them that the garnishment was still being taken.. they put it under investigation in XXXX It was found from there treasury commission office that they were at fault and needed to cease the garnishment.. But they never did.. My bank whee my deposit goes thru says that the money is being taken after it leaves the social security office.. So, please help me with this issue.. This garnishment has been taking place for over XXXXyears..HELP!!!!!
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chex Systems has not updated on an Account with XXXX XXXX  as paid in there system. 

I was at my bank doing a construction loan and Chex System showed up. 

I'm also filing with the US Attorney and DOJ complaint on Chex Systems due to a law suit on XXXX XXXX  and FDIC in which XXXX XXXX  never replied back or corrected the ERROR I can also include Chex Systems in the Law Suit by error and false reporting by XXXX XXXX and Chex Systems
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

Hello- I am troubled by the behavior of Kia motor finance. Three years ago I leased a car from them. We moved addresses twice from purchase until now. In XXXX, Kia marked my credit record with five consecutive late payments, and three more this year. I paid all payments on time. Kia never mailed or emailed me any information letting me know payments were late. I called several times to ask them to remove the erroneous info but they refused to do so. They have acted predatorily. According to them, a tax on the car ( not sure why I am responsible for paying it if its a lease and I dont own it ) was paid by Kia because XXXX  assessed a tax on it ( which I did not see/ get due to my address changing ). This then caused one payment to be late from my auto debit. Somehow they have marked every subsequent payment late even though it was on time. My credit score has been horrendously damaged going from XXXX down to XXXX. Please make Kia tell the truth and fix this issue with the credit bureaus.
Consumer complaint received 2023-03-11
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: Upstart Holdings, Inc. (TX)

15 USC 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 furnish a account without my written instructions.

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 purpose.
Consumer complaint received 2023-12-15
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
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)

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 2024-04-12
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-07-14
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. ()

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX Finance XXXX Account Number # XXXX XXXX XXXX has violated my rights.

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.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (TX)

Account date opened XX/XX/XXXX by Foster & Monroe LLC at an amount of {$15000.00}. This report was not on my credit history before this time. I did contact Foster & Monroe about this on XX/XX/XXXX. I was met with hostility of an employee named XXXX which by the end of the phone call he just hung up. I could not get much information from him due to this. It was stated I got a loan from XXXX XXXX but not stated when. He also informed me there was a judgment in XXXX in XXXX. This I was never made aware of nor was served papers for. I could not get any other information from him because he started an argument and threated legal action towards the end of the conversation before hanging up on me.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (MA)

I previously filed a complaint with the CFPB for Equifax, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Equifax is still reporting a company that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Equifax is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.
Consumer complaint received 2024-04-12
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.