davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and my social is XXXX. I've now called Equifax'es call center at least five times to resolve an NH ( no history ) code that prevents me or anyone else from being able to pull my credit report and scores. I searched for this code on XXXX and it appears that this is related to a credit report freeze and fraud alert that's keeping my information from reporting. I've faxed them all of the information that's required to lift the freeze five times now with confirmation and they have acknowledged several times that the freeze was being lifted and it's been over a month. I am hoping that you can help me resolve this issue because it's legitimately keeping me from buying a house.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions 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 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 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 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  All of these accounts 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 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 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC (AZ)

No information, dates amounts or other wise have been disclosed in writing about this debt. This is an attempt to collect owed money for two text books from what I recall. When the debt was in my account I prior to being sent to collections it showed as a negative in my student finances. Around the time of the negative charge I had a scholarship applied to my account of a few hundred dollars from my school, creating a wash out and covering the charge. After that I was contacted via email about the collection ( no calls or letters ) in attempts to get payment. I submit documentation of my applied scholarship and no negative charges or balance dues on the account to no avail. This was on XX/XX/21. The most recent reply from them was this month on XX/XX/21 almost three months later. They gave me a 10 day notice for more documentation and I requested a detail of the debt in writing, it is a week later and no reply. Can I get this debt cleared altogether for the lack of communication and never receiving certified mail from them?
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (LA)

I entered a consumer credit transaction with XXXX XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (LA)

I entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. telerecovery are now threatening me for an alleged debt that bought from the alledge original creditor that claims I owe something. I never received a Material Disclosure of any of the information that was supposed to be provided to me. telerecovery has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I submitted three ( 3 ) requests to Equifax, asking them to investigate an account by providing me proof of ownership such as the original contract.

This request was made as part of my personal financial review and, because there are more than one XXXX Account on my credit file. The account number is ending in # XXXX. 

The first request was made on XX/XX/2021. There was also a request made on XX/XX/XXXX followed up by a third request. 

Equifax has not properly investigated this. They have ignored my rights to have information verified. ( FCRA 609, 611 )
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc. (GA)

Progressive Management Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have consulted with the attorney general of California and know that this debt is past the statute of limitations. Progressive Management may no longer come after or sue me for the debt. Per the FDCPA if you can not validate this debt to me, you can not report. Reporting invalidated debt on credit can constitute fraud under both federal and state laws.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (GA)

I applied for refinancing with Intercontinental Capital Group ( NMLS on XXXX XXXX. We have good credit ( XXXX ) and good equity in home. I approved the proposed estimated terms and we moved forward with an appraisal. We were sent an authorization to pay for the appraisal in an amount of {$780.00}. When I questioned the above average cost of the appraisal, they found an alternate service for {$450.00} within 1 day. 

Upon completion of the favorable appraisal ( XX/XX/XXXX ), the plan was altered to reflect a loss of a lender credit, higher interest rate and higher closing costs. We reluctantly agreed to the altered terms. On XX/XX/XXXX, I followed up on the status of the processing and was told that we should hear from someone by XX/XX/XXXX to advise if any more documentation is needed after underwriting reviews. I questioned the lengthy timeframe of the process and was advised that they were backed up. I also questioned if this would cause any rate-lock to be affected and was advised that it wouldn't. 

On XX/XX/XXXX, we received a random email reflecting yet another increase in closing costs, which would decrease our cash-out at closing ( cash-out refi ). At this point we had 2 months of waiting for this refinance with underwriting still not approved due to disorganization with the company. We had been reassigned to 3 different loan officers due to attrition with the company. 

After wasting over 2 months of our time with no sign of getting to a closing, we advised Intercontinental that we would not be moving forward with the refinance on XX/XX/XXXX. 
We requested that we be reimbursed for our expense of {$450.00} for the appraisal and received no further response from any company representatives.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (LA)

I entered a consumer credit transaction with USCB CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that USCB CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. USCB CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Receivables, Inc. (GA)

Collection Receivable Inc keeps contacting me after i've sent them a cease and desist letter back in XX/XX/2020, and i've sent them a debt validation letter that they have yet to respond to. They are in violation of the FDCPA. Today i received a call from a lady from Collection Receivable Inc. She called me from XXXX. She was nasty to me and using profanity and making threats. Collection Receivable Inc is practicing unfair and unethical debt collection practices. They have ignored my cease and desist letter, and they have yet to validate the debt they claim i owe on account number # XXXX with a {$150.00} balance with a {$55.00} which makes it a total of {$210.00}. Below is the cease and desist letter i sent and the debt validation letter i sent. If Collection Receivable Inc does not stop calling me and remove the collection account from my credit report i will seek to file litigation against Collection Receivable Inc and seek monetary damages. see letters below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 Re : Account # XXXX To Whom It May Concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family, friends or my employer, in relation to this or any other alleged debts you claim I owe. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Attorney General of Georgia. Civil and criminal claims will also be pursued. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

Sincerely,
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already attempted to contact XXXX XXXX, TransUnion, and XXXX about this account. 

1. Date opened is inaccurate. 

2. TransUnion did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

XXXX XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that TransUnion and XXXX  is allowing XXXX XXXX to commit.
Consumer complaint received 2021-05-19
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: MARINER FINANCE, LLC (NY)

I have a company ( Mariner Finance ) that is continually doing hard credit inquiries with out permission every month. I received a loan from the over 2 years ago and acct has been closed but they continues to do inquiries every month, and that is showing on my credit report. I spoke to XXXX rep and was adv to file a complaint because other than the one time I have never given them permission again.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 15 usc 1681s-2
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-08-09
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. (IL)

An Extended Fraud alert was placed on said account. Inquiries that are not attached to an account were unauthorized.I have directly disputed these items with the credit bureaus and was not successful. 

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 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2021 I wrote TransUnion about and negative information that was on my credit report, and they never replied so on XX/XX/XXXX I wrote TranUnion another letter to remove the negative remark off my credit because they didn't reply in the 30 days time frame, and yet and still I haven't heard anything back from them. So now I'm putting in my complaint.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

his serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-26
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. (TX)

I did not authorize following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-11-01
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. (MI)

Three Credit Agencies Experian, XXXX, XXXX are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB (AL)

I had opened a case up a couple of months ago explaining the same issue I'm about to explain today, klarna resolved my issue once I opened a case up with CFPB but my Klarna account has reverted back to not allowing me to make purchases even though I have buying power available and I have made no changes on my personal information to cause my purchase thru Klarna to be declined. If you could please help me get to bottom if this once and for all, please this is so frustrating and ridiculous why my account has to continue to be locked up whenever they feel like freezing it for no good reason and then it's like pulling teeth getting them to fix it. Please help me with this.