davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
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: SYNCHRONY FINANCIAL (FL)

I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information SYNCB  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details SYNCB XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

INQUIRY REMOVAL LETTER YOUR NAME : XXXX XXXX XXXX YOU ADDRESS : XXXX XXXX XXXX XXXX XXXX  NY XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Credit Reporting Agency ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

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, ( Credit Reporting Agency ) to produce a contract between you and I consumer, bearing my signature showing that I gave you 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 that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you I My contact information is as follows : YOUR NAME : XXXX XXXX XXXX YOUR ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved INSPIRING
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I received a CFPB Complaint on XX/XX/2023 from TRANSUNION where XXXX was deleted. I looked at my report ; they never deleted it and are still reporting on my Credit report. Transunion has caused XXXX  XXXX in me. I did not Authorize nor consent to report this account. Per the Fair Credit Reporting Act, everything has to be 100 % accurate on my report, and Under 15 U.S Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. I also put my report in the upload where it is reporting when it should have been deleted.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I am the sibling of a person who owes a debt to this collector. The collector is using skip tracing to locate family members and is calling harassing us for the whereabouts of the person who owes the debt. They have repeatedly called my home number. There is no way possible my sibling has this number listed to them as a reference because he himself does not know it. I have asked that they not call only to turn around ten minutes later and receive another call. They should be addressed for improper debt collections methods. They should have recorded calls with me for XX/XX/2018 @ XXXX advising them that they should not be contacting me regarding a debt and I don't have an account with them.
Consumer complaint received 2023-12-01
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. (IN)

These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, 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 2018-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TN)

I had a judgement on me from XX/XX/XXXX via Chase Bank. Who is now XXXX XXXX. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 XXXX XXXX is not the original debt.. it was chase. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.
Consumer complaint received 2023-04-21
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. (AL)

HI 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.
Consumer complaint received 2017-05-05
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. (FL)

To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   XXXX .   XXXX    XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX    Telephone Companies    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX    All
Banks    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Telephone Companies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   General Clothing Stores   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  National Credit Card Cos.  XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    Miscellaneous Reptg. Agencies    XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc  sec #  XXXX  DOB  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2021-10-06
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-04-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MD)

YOUR COMPLAINT Radius Global XXXX keeps trying to contact me through phone and mail for an account that is paid and closed. I wrote this company and asked them to prove that I owe this debt or if they legally collect this debt but I get no response. I wrote XXXX XXXX disputing the amount of student loans. Attached is credit report stating that Debt is paid.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

I was being charged for XXXX and never authorized it and never used it for some woman on the internet. 
I wanted to cancel XXXX but they were unwilling to do so. I paid {$50.00} charged by the bank to cancel the payments but I am still being billed for something I never authorized or used. Could you please have the TD Bank cancel XXXX and no longer charge me the monthly fee. 
TD promised to reimburse me the fees for the past months but now refusing to do so. 
I am being charged for XXXX which I do not want and never ordered.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

In the early XXXX  hours of XX/XX/XXXX, I was out with friends as we were all on vacation in XXXX, XXXX. I got separated from the group, as I walked my XXXX  to her XXXX. I walked her to her XXXX, and after I went to call a friend to meet back up with them so we could get on our way back home. They did not answer. I stopped to text them, and as I unlocked my phone to text them- a unidentified man ran passed me and stole my XXXX from my hands- resulting in several fraudulent charges being made on my digital wallet, such as XXXX XXXX, and XXXX XXXX The XXXX XXXX and XXXX  fraudulent charges totaled greater than {$3000.00}. JP Morgan Chase and their claims department, have not been able to assist me or come up with a fair resolutions regarding these fraudulent charges. Although I have faxed them my full police report that showcases the phone theft and fraud, Chase stills claims that these payments were authorized by me. And they were not.
Consumer complaint received 2023-09-20
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. (MA)

I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (CA)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Received in the mail XX/XX/XXXX Owed since XX/XX/XXXX XXXX XXXX asking for XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received XX/XX/XXXX in the mail congratulating me on inquiry letter Creditor : XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX at XXXX transaction authorization history XXXX $ The XXXX XXXX XXXX XXXX  notice XX/XX/XXXX XXXX no date received in the mail XXXX XXXX inquiry on XXXX XXXX XXXX inquiry on XXXX Trans union is requesting me to make a XXXX report to get these XXXX inquiries off of my credit report i have no relationship with this company, therefore fraudulent. 

XXXX XX/XX/XXXX XXXX inquiry on credit report for XXXX XXXX XXXX XXXX bank inquiries are fraudulent Note : None of these companies have i had a prior or current relationship with and are all fraudulent.
Consumer complaint received 2023-11-13
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: Western-Shamrock Corporation (TX)

There is a hard inquiry on my credit report on XX/XX/23 from the following : WESTERN FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This was not an inquiry authorized by me and I believe I've been a victim of XXXX XXXX. I called the number listed to gather details however it's not a working number. Upon further investigation on XXXX the number ( XXXX ) XXXX came up. I called the XXXX number which was apparently Western Finance 's XXXX number. There is an option to leave a voicemail however the voicemail tone never occurs so you're not able to leave a message. There is also an option to email disputes at XXXX however the email comes back as failed delivery to that email address. I called again and was transferred to the XXXX XXXX by pressing XXXX and explained my situation. She transfers me to the XXXX XXXX location where I spoke to representative XXXX. XXXX speaks with her manager and they state that XXXX can assist me as they are not able to. I informed them XXXX had transferred me to them. 

I have challenged this inquiry through XXXX however I'm not sure where to mail a XXXX dispute at this point.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Uponreviewingmycreditreports, IdiscoveredthatEquifaxisreportinganaccountwiththenumber XXXX while both XXXX and XXXX have no record of this account. This inconsistency raises concerns about the accuracy and validity of the information being reported.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

At the beginning of XX/XX/XXXX, I received notification from XXXX about an account that was added to my credit report as 60 days late. Upon speaking with XXXX, I was informed that JPMCB was reporting me XXXX months late for an account ending in XXXX with a balance of {$7400.00}. I immediately contacted Chase to find out more information about the account and was told : XXXX ) The account was opened in XX/XX/XXXX XXXX ) The account was closed by Chase for suspected fraud 3 ) There were no attempts to communicate about the account since XX/XX/XXXX. 4 ) A fraud packet would be sent to me to sign and send back. I advised Chase that a former employee was responsible for opening the account without my knowledge and that the former employee was currently incarcerated. I also advised Chase that I was willing to pay for the balance owed, however the account was not utilized by me. I also informed the credit bureaus that the account was a fraudulent account and requested a dispute process to begin. XXXX almost immediately removed the account from my credit report, however on XX/XX/XXXX it was placed back on my credit file as verified. I contacted Chase again on XX/XX/XXXX to find out the status of the case as I have not received any documentation from Chase as promised. A representative from Chase let me know that Chase determined the account as valid because there were payments made on the account from an account that was in my name and from a business account that I am the manager on. I advised the representative that there were multiple payments made from accounts at Chase that were in my name and multiple disputes were filed with Chase regarding other credit accounts where payments were made without my consent or knowledge. Chase representative informed me that I did not send the requested documentation in to substantiate the case and as a result, they determined the account to be valid. However, I contacted XXXX again and it was told to me that Chase did receive the documentation as the bureaus sent it directly to them with the fraud dispute. Chase received the FTC Affidavit and ignored it, told the bureaus that the account was valid and misrepresented the facts about having the documents, to me. Their justification for verifying the account was based on them not receiving documentaiton however the credit bureaus sent the documents to them directly so they had them the entire time. I then spoke to another representative at Chase who allowed me to make payment on the account to keep the account from reporting more late payments on my credit report, however I am not liable for the account.
Consumer complaint received 2023-08-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items 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 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 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TOWNE MORTGAGE COMPANY (OH)

XX/XX/2023 Dear Sir or Madam : I am having a dreadful time with Towne Mortgage, my relatively recent mortgage carrier. We took our a mortgage with them in XXXX of this year. Our first XXXX payments, paid through my XXXX XXXX service at my XXXX bank, went through without a hitch. We had the XXXX payment sent by the bank on XX/XX/2023. The bank account indicated the check was cashed by Towne Mortgage on XX/XX/XXXX. On approximately XX/XX/2023, we received a letter from them claiming the check had been returned and the funds returned. This is untrue. I met with my bank XXXX and the records were carefully searched. It is not actually possible to stop payment on a paid check anyway. No monies have been returned to either my bank or to us. 
I called XXXX XXXX at Towne Mortgage and was told the check had had a XXXX XXXX placed on it after it was cashed and the money returned. This is not possible. After a check is cashed it can not have a stop payment put on it. My bank checked carefully all records, no stop payment was requested, no money returned. They have provided Towne Mortgage with that information and, at my request started a dispute and investigation. Towne Mortgage, after promising to look into for me and get back with me not only has not done that, they have reported our payment as late to all of the credit reporting agencies. Our credit scores have gone down XXXX points as a result and we are being told by both our bank and Towne Mortgage that it will be XXXX days before this is resolved. Is this fair to ruin our credit for months when we did nothing wrong, the mistake is on their end? I have asked Towne Mortgage repeatedly to provide documentation of who supposedly stopped the check and who they sent the money back to, if they did, indeed refund money. It sounds like they either made an error, have an XXXX employee or have been hacked. 

Our payment was not late and was for slightly more than the amount due. They have now cashed the XXXX payment as well and have not said anything about a problem with it, at least not yet. 

I have filed a dispute all of the credit reporting agencies, and appreciate you taking a look at this XXXX XXXX practice. Thank you in advance for your work.information. This has been stressful and dismaying. 

I strongly suggest that all consumers avoid Towne Mortgage. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (SC)

ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX Account Type - XXXX XXXX XXXX XXXX  XXXX Code : XXXX XXXX Account Status : XXXX XXXX XXXX XXXX : - - Date Opened : XX/XX/2023 XX/XX/2023 Balance : XXXX} XXXX  No. of Months ( terms ) : - - High Credit : XXXX XXXX Credit Limit : - - Past Due : - - Payment Status : XXXX XXXX Last Reported : XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 XX/XX/2023