davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-12
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. (PA)

This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2022-12-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc. (FL)

The lady said they usually require 10 % down and a 2-year payment plan with a balloon at the end. But it didn't seem like she was 100 % sure of this and they never sent me anything in writing. Below is my full story. Feel free to publish this information. 


I lost my job in XXXX of XXXX and couldnt make payments on either my first ( XXXX ) or second mortgage ( XXXX  XXXX XXXXI think ) for almost 2 years. I finally went back to work in XXXX of XXXX. After 3 months back to work I started the mortgage modification ( XX/XX/XXXX ) process on my first loan. And they put my mortgage arrearages on the back of the loan and I havent missed a payment since. At the same time, I tried to do the same thing with my 2nd mortgage company. But they refused to negotiate with me about putting the arrearages on the back of the loan and wanted an unusually large amount from me which I didnt have. Fast forward 12 years and they sent me a letter delivered by the sheriffs office saying they are going to foreclose on my home. This 2nd mortgage started out around $ XXXX and has now ballooned to {$150.00} because of all the interest theyve tacked on. Are they required to work with me? I feel that if theyve waited 12 years to start this process, they should give me the same amount of time to repay the debt.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In according with the fair Credit Reporting Act XXXX  Account XXXX ( XXXX XXXX ) 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 furbish an account without my written instructions.
Consumer complaint received 2023-11-12
Product: Credit reporting 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. (FL)

My score is not updating with Equifax, has not been for quite some time. As advised by a support team member from XXXX XXXX ; I contacted Equifax directly. Upon contacting Equifax, they could not properly identify me because of an email on their file, I no longer use. I updated my email preference, I verified my personal information via phone and their text link ; which prompted me to take a picture of my State identification and take a picture of my face. All of that was done while on the phone with an Equifax representative. My email was changed and updated and so was my password. This was done a few months back. However, my credit score, accounts or credit information has not been updated. They are still showing a credit score that has not been updated to match XXXX or XXXX. Its damaging and interfering with being able to acquire or purchase anything that has to rely on a credit check. Ive done my part; jumped through all their XXXX  hoops and they still cant get it right, nor are they attempting to correct this ongoing issue. My next course of action, if this doesnt work is to pursue them, legally via an attorney.
Consumer complaint received 2024-04-04
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. (SD)

I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me 1099c like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is just some of them, I have disputed and asked for validation from XXXX  over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX, i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document XXXX including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe XXXX the route
Consumer complaint received 2023-10-02
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. (NJ)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I am requesting information for the student housing on XXXX XXXX in XXXX Florida to prove that I am the responsible party to the account. The company stated that they did not have my information on file and that I should contact collector. I contacted collector and explained to them that the acct was not infact my responsibility and that I found out about acct thru checking credit report and asked for proof and verification that they had and the representative was only able to state that'd he'd send a letter with debt information and amount owed. I asked for receipts or anything with my name affiliating me to this acct and he was not able to provide anything. I was told to reach out to CFPB which is now what I'm doing. 

Thank you, XXXX
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This XXXX XXXX XXXX XXXX XXXX refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the complaint. 

THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified '' NOT " VALIDATED '' REMOVE THESE ACCOUNTS NOW! 

XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SYNCHRONY FINANCIAL (NV)

In XXXX of XXXX I took out a loan for a XXXX XXXX and my loan was with SYNCB ( Synchrony Bank ) the payment on this loan was {$410.00} per month on a 60 month term. I called them in XXXX to find out what happens to the overage that is showing on my loan with the payoff coming up in XXXX of XXXX. I was told that overage was late fees. They had charged me over XXXX late fees ( {$39.00} each ) in the time of the loan. However in XXXX when they billed me the balance of {$2200.00} I said I needed more time to pay. I always paid my payment before the end of the month and added extra many times to the payment to cover the fee. Per my credit report you can see I have never been noted as late with this loan until after the loan term when they asked for the total amount. By the way I paid the entire amount of {$2200.00} by bill pay with my bank before the end of XXXX XXXX XX/XX/XXXX they have just reported me as late when I have no balance left on my loan. 

This bank should not be allowed to do loans. They have extremely poor customer service!. They did not in my opinion apply my loan payments correctly but instead collected my late fees and added them to the end of the loan while charging me additional interest on them so they could make more money. They have no online system to update the consumer and provide current account info or records. When I asked for proof of the fees they charged they sent me XXXX statements in the mail. Not even in the same package but individually. 

I request this group be looked into for poor business practices Thank You!
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX - XX/XX/2023
Consumer complaint received 2024-04-04
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. (OH)

I recently check my credit score and found accounts that I have never signed up for. these accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (TX)

I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. 
This situation is giving me hard times in my job and daily life. 

US BANK XXXX -- XXXX This account is reporting in XXXX and XXXX. 
XXXX XXXX XXXX XXXX -- > This account is reporting in XXXX only.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TN)

I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/XXXX, someone made an unauthorized transaction of {$1000.00} from my Cash App to a XXXX XXXX. I never authorized it and never transferred money to my Cash App. 

My identity has been compromised and I already froze my credit with the XXXX credit bureaus. I also filed a report with Identity Theft and the Federal Trade Commission.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I am a co-signer with my son on 2 private loans for a diploma he received at XXXX ( between XXXX and XXXX ). The loans for approximately {$20000.00} are through Navient. I am currently paying interest only payments and have gone through several forebearances. He was never able to get a job with his degree as they claimed he would. Can we get these loans forgiven because of XXXX  false information about job placement?!
Consumer complaint received 2022-12-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CO)

XX/XX/2022 two fraudulent XXXX  XXXX  charges {$21.00} and {$21.00} on my cash app account. I am currently waiting for not pending status to get the charges reversed.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I was incarcerated on XXXX, and could not find my bank cards, ID, etc. I finally gave up XXXX and called to get a new card and I inquired about the balance and if there was any recent activity on the account since I could not find my card. At that time I was informed there had been activity on my account going back all the way through to the date I began my incarceration. I told them I obviously could not have made the charges and wanted to dispute the charges, which they claimed they would start a dispute ( which they did not do at that time ) they claimed that my card would be deactivated, and they sent me a new card around XX/XX/XXXX which was when I finally gained access to my account for the first time since XX/XX/2021, and I made a {$300.00} withdrawal the day I received my card. I had no access to their app due to being locked out of my email that was on record and I no longer had the phone number on record. I spent hours trying to update my email and phone number, sending pictures of my ID, photos of me holding my ID with mail addressed to me with the same address on record as well as the ID but because my current number was linked to a current Chime account I was not allowed to update neither my email or phone keeping me locked out of their app. After every purchase I would call to balance my account with what I had written down and they would never match up so purchases were still being made online with cards that I was told were no longer active via XXXX. I spoke with multiple service agents and received XXXX different new cards and had been told all 3 times disputes were being started each time. It was not until the end of XXXX that I finally was able to get a supervisor to process a dispute with me on the phone going through each purchase going back to XX/XX/2021. I was given the dispute number of XXXX and was told to email any documents supporting my claim such as documentation of my incarceration. Since they refused to allow me to update my email address on record, they refused to accept my documentation since it did not come from the email address they had for my account. On XXXX I spoke with XXXX who finally gave me a XXXX for my dispute which came to a total of {$4800.00}, and when I asked for an update she transferred me to her supervisor XXXX who simply informed me my XXXX was denied. When I asked why it was denied he said he wasn't sure. I asked for the documents and evidence available to them when they made their decision and he told me they were not allowed to provide that to me, and I asked to elevate my dispute and I was hung up on. I also have {$400.00} sitting in a savings account I am unable to access because I am locked out of their app and they will not allow me to transfer the money to my checking account any other way except through the app.