davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
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. (AZ)

I am a victim of identity theft. Attached is a copy of my credit reports from XXXX XXXX and XXXX   as proof that the following fraudulent and unauthorized accounts arent my accounts listed on my Equifax credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The accounts are fraudulent and unauthorized.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

When we got modification in 2015, during process I lost my job, but my small income was included to modification process. After we received modification, I told SPS that I lost my job and considered to recalculate our payment, but agent told me to either take SPS offer or sell home. We wanted to save our house, and we had tried to pay mortgage every month. 
Our mortgage got behind again about 2~3 months payments this year, and currently I still do not have job because I need to take care of XXXX children, it is not easy for XXXX and woman who is getting old to find a job. My husband has XXXX XXXX on his XXXX and limited mobility, but trying to pay mortgage. So SPS suggested to apply modification again, and I submitted all of documents around XXXX and XXXX and waited for response. SPS kept calling and left agent 's name and phone number almost every day, but they did not leave any detail. I called SPS to find out the result, but when I called in XXXX, they told me that they did not receive some documents which I submitted through email, and bank statements were old which was current when I submitted in XXXX. SPS never give me any update of modification and I only received every day phone call. I was told from a lawyer I found on some website, and he told me that SPS will never work with you to modify our mortgage. I was terrified. I want to keep our house and I don't know what to do with our limited income. Please help us.
Consumer complaint received 2023-02-24
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. (KY)

After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2018-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have three hard inquires one is from XXXX XXXX Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from Capital One Bank Usa Inquiry from XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer Capital One and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.
Consumer complaint received 2023-06-09
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. (NY)

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Funds in the amount on XXXX taken out of my account fraudulent. Been over 180 days of investigation and the bank still saying they have not found cause to refund the money that was taken back in XXXX. Sent records of screen shots of purchases that were made without authorization
Consumer complaint received 2018-08-06
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. (VA)

I received a letter back from XXXX XXXX Fraud Aversion indicating that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (SC)

Multiple letters from ARM Solutions, and its client, XXXX, each week abut a {$50.00} " debt '' for document shredding services provided by XXXX on XX/XX/2021. The XXXX XXXX credit card I provided to XXXX before the services were rendered were used to overcharge me by {$50.00}, so I placed this amount was placed in dispute with XXXX in XX/XX/2021. On XX/XX/2021, XXXX XXXX resolved the dispute in my favor. 

On XX/XX/2021, I wrote to ARM Solutions, XXXX 's debt collector and provided documentation which showed the action taken by XXXX. Communication from XXXX and XXXX ceased for 20 months and resumed again about six weeks ago-in the form of multiple letters each week from XXXX and ARM requesting payment. Not only is the claim for payment without merit, the sheer volume of demand letters constitutes harassment.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-08-04
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 FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2018-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I am receiving calls from NAVIENT that are harassing and occur nearly every hour of the day. I must state that I have never had nor do I now have a student loan of any type in my entire life. That statement holds true for my wife as well. This ror-call will not allow me the option of talking to a representative to try and settle this harassment issue as they assume they have the right person merely by virtue of their call. This harassment has disrupted my family time, taken up space on my voice mail, and the number given XXXX will not allow me to proceed to a conversation with a live person. Again, I do ot possess a student loan. I have never even applied for a student loan. I want the phone calls to cease and desist immediately. I believe that this is a case of mistaken identity created by the shoddy investigative practices of a less than credible agency.
Consumer complaint received 2024-04-10
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)

There are unauthorized inquiries from : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, another inquiry from XXXX  XXXX, XXXX XXXX, a third inquiry from XXXX XXXX a second inquiry from XXXX XXXX XXXX XXXX a second inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX I DID NOT AUTHORIZE ANY OF THESE INQUIRIES .
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to file this please as my formal complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

SECURITY CREDIT SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-12
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)

Im writing to dispute the validity of the reference item pursuant to the fair reporting act. This item has been removed from Experian and XXXX due to the fact no such debt exists. Experian failed to respond and failed to comply with the FTC of noncompliance. To remove the account and be deleted
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and seek your immediate intervention to rectify it. The companies associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or information from me to expedite this process, please let me know. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.