davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b XXXX and Equifax are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$14000.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-04
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. (AZ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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 2022-11-03
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. (PA)

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

15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-11-03
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. (PA)

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

15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX reported my collateral loan # XXXX XXXX day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon checking my credit report, Ive noticed some unauthorized inquiries according to the ( FCRA ) fair credit reporting act legally These items must be removed from my credit report.
Consumer complaint received 2024-04-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-16
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Public Record XXXX  XXXX Bankruptcy Reference number # XXXX XXXX  XXXX Account number # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Theses accuracies is stopping me from getting a new home for my family.
Consumer complaint received 2022-11-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC (AL)

File # XXXX : On XX/XX/XXXX I received a letter with the intent to foreclose on XXXX XXXX XXXX XXXX AL XXXX ; due to non-payment to the alleged debt collector acting as the second mortgage company XXXX Specialized Loan Services ). SLS is attempting to collect a debt that had been mishandled in XX/XX/XXXX ; by XXXX XXXX  via the original mortgagor XXXX. On XX/XX/XXXX, I agreed to a structured settlement for 80 months at {$320.00} with SLS. Unknown to me ; this settlement was indeed deceptive because it was agreeing to the original deed on file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX deemed the deed on file as non-valid. Specialized Loan Services source of debt is false because it stems from a loan originally financed for {$130000.00} to purchase XXXX parcels of land. The HELOC financed by XXXX was at the cost of {$26000.00} to purchase approximately XXXX acres. To no knowledge of myself the parcels were never recorded in my name and consequently were sold at a tax sale in XXXX. 

At the start of the original loan XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX department only recorded XXXX of the XXXX parcels rendered on the deed # XXXX. The parcels funded to cover the HELOC were rendered non valid. Thus, the only purpose and the intent to agree to the HELOC at original price of {$26000.00} was to purchase the exact XXXX parcels that were deemed non valid for title transfer by the XXXX XXXX XXXX. This resulted in me having a mortgage on land that was not mine to claim since the first mortgage payment. Essentially SLS is knowingly and willfully attempting to collect on a contract that is a negligent misrepresentation in real estate. There were multiple contract violations of the law and or deceptive practices that were attempted to collect. Presently, I have a case against XXXX XXXX of XXXX for selling these parcels without my knowledge. I demand the following points be answered to close this matter. 

1. Is SLS aware the original HELOC contract was void due to the parcels listed on the contract have been rendered impossible to fulfill and are void,? 2. Given the information in the body, can SLS provide law that gives them the right to collect on a non-lawful contract? 
3. There were no second mortgage notices sent to the XXXX XXXX XXXX Address on file since XXXX sold the HELOC to XXXX approximately XXXX timeframe. Can SLS produce bills sent to the residence from XXXX to current? 
4. Can SLS produce all payments applied to the HELOC prior to the default?

5. What date did SLS accelerate the loan?
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX XXXX XXXX The first transaction was a amount of {$66.00}. This happened at a XXXX, located at XXXX CA, US The second transaction happened again later at night on XX/XX/XXXX XXXX XXXX but this time an amount of {$100.00} then again for the same amount of {$100.00} at XXXX XXXX 
I also filed a police report and also a complaint to bank, for an open investigation. I currently still have my card that they used but I canceled it and requested another card for my safety. And I also changed my PIN number
Consumer complaint received 2023-08-16
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. (MD)

You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Transunion any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached.

Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, depression, and marital problems.

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me.

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.
Consumer complaint received 2022-11-03
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. (OH)

I am looking at my credit report and I have an exorbitant amount of soft inquiries by Equifax. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports- Each of those Inquiries are against the law and subject to a {$1000.00} fine for each, paid directly to me. I am including a copy of each Inquiry below. I am submitting this through the CFPB to document and record this complaint. I am a law abiding citizen and it seems that Equifax can just do as they please while breaking the law constantly and negatively affecting the person 's credit/life. I am here to assert my rights fully and to collect the {$1000.00} fine per each soft inquiry on my report. If Equifax Willfully and Knowingly decides to further deceive me or the CFPB from this point on, then that is subject to more penalties and fines. I intend to take this as far as I need to to hold Equifax accountable for breaking the law and bullying me and causing irreparable harm to my reputation. I also intend for those inquiries to be removed from my report. 

Soft Inquiries Inquiries that do not impact your credit scores. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to XXXX  years. 

DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX UPDATE Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX CARD PREQCARD XX/XX/2022 XXXX  XXXX Soft Inquiry XX/XX/2022 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System
Consumer complaint received 2022-12-05
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. (MD)

I've submitted multiple letters with no response and no correction of problem. 
Submitted first letter to Transunion credit reporting agency on XX/XX/XXXX. 
I submitted second letter on XX/XX/XXXX. Prior to submitted the letters, I made multiple calls and still have not received any response or have I had the problem corrected
Consumer complaint received 2022-11-04
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. (IN)

Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in 2018 and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever
Consumer complaint received 2022-10-18
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. (GA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-04-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. 

I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
Consumer complaint received 2022-11-04
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I need to report a serious violation of Care Credit that needs investigated. I have had a care credit card for XXXX  years and over the past XXXX  years my card number has changed for various reasons, either i lost the card, or it expired, or the card number just changed. I believe my card number was changed 5 times in the past XXXX  years. 
Now here is what is going wrong and needs fully investigated. as it just happened to me again with care credit. I made a payment of {$400.00} that posted to my old account number ending in XXXX and in a normal banking situation the credit of {$400.00} should AUTOMATICALLY MOVE OVER TO THE NEW ACCOUNT NUMBER. My new account number is XXXX ..however care credits system does NOT automatically moved credits over. so that means I have money sitting on OLD account numbers that care credit never moved over to my new account number. that is illegal. that means they are keeping money or mine and not crediting my accounts that are due credits. that is illegal. I am demanding my payment of {$400.00} that is on account XXXX be transsfered over to my new account number ending in XXXX. 
and I am also requesting care credit to go back XXXX  years and LOOK AT ALL MY OLD ACCOUNT NUMBERS AND SEE IF THERE ARE ANY REFUNDS OR CREDITS ON ALL THESE OLD ACCOUNT NUMBERS DATING BACK XXXX  YEARS TO SEE IF THERE ARE CREDITS AND REFUNDS DUE TO ME. IF SO THEY NEED TO SEND ME A CHECK IN THE MAIL ASAP
Consumer complaint received 2024-04-01
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. (FL)

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.

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 anted
ates 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.