davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to furnish 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. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.
Consumer complaint received 2021-06-21
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. (NC)

ALLOWED COMPANIES TO SUBMIT INFORMATION THAT WAS NOT AUTHORIZED BY MYSELF ALLOWED COMPANIES TO PAY FOR INFORMATION ABOUT MYSELF WITHOUT MY CONSENT FOR A PROFIT NEVER CONTACTED ME TO VERIFY THAT I GAVE PERMISSION TO THESE COMPANIES TO GATHER DATA ABOUT ME DID NOT VERIFY THAT I WAS AWARE OF WHO THESE COMPANIES WERE ( ARE ) SELLING MY DATA WITHOUT MY PERMISSION AND CONSENT REACHING OUT TO OUTSIDE COMPANIES IN AN ATTEMPT TO OBTAIN INFORMATION ABOUT ME WITH OUT MY CONSENT FOR A PROFIT TO REPRESENT ANOTHER COMPANY THAT PAID THEM
Consumer complaint received 2021-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (NY)

The company that threaten to sue me is called XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. They threaten to take me to court if i did not pay for an auto loan that was repo in 2018. The company that I have gotten the loan from is Santander based in Texas. I just gotten a letter in the mail stating that Santander has been sued by New York State for wrongfully over charging people interest on their loans. This was sent to me by the State District Attorney. I wanted to know if I have to still pay the loan back if the loan was illegal in the first place in the State of New York?
Consumer complaint received 2021-06-21
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: CBC Companies, Inc. (SD)

In XX/XX/XXXX I contacted XXXX XXXX bank # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. 

On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.
Consumer complaint received 2021-06-21
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. (HI)

This company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.
Consumer complaint received 2021-06-21
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. (CA)

XXXX, Equifax and XXXX  are reporting 24 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

This company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

I have attempted to retrieve my Equifax credit report from XXXX but am unable due to the system showing I have 4 active disputes and as long as the system thinks I have 3 active disputes it will not allow me to pull my credit report. I have brought this to Equifax attention on multiple occasions but nothing has happened with that. This issue has been ongoing for over 240 days. As you can see from the images my recent disputes are closed and the disputes before that are as well closed too. I confirmed with Equifax that the disputes confirmation # XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX are closed but they are showing them as still open. I also have not gotten the results from the disputes listed nor have I gotten the results from my recent disputes. I have not been able to pull my credit report since XX/XX/XXXX.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: National Credit Adjusters, LLC (TX)

A complaint was filed last year XX/XX/2020 against National Credit Adjustment and they indicated they would send validation of the debt. They responded that they were requesting documentation from the original company and would forward the information to me. I HAVE YET TO RECEIVE ANYTHING FROM THAT COMPANY!! I also send them a letter last year requesting the information and still nothing from them.
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (CO)

From XX/XX/XXXX XXXX XX/XX/XXXX Village Capital was know that we had agreed to go into National Emergency Forbearance.. 
As of XX/XX/XXXX we were out of forbearance. 

XXXX of XX/XX/XXXX, I found out that Village Capital had reported on our Credit report that we were 120 delinquent on our account. Village Capital was contacted and asked to remove this from our credit report and I asked Village Capital for a letter stating that this was done. 

On XXXX XXXX I contacted Village Capital and they stated that it will be mailed. I also asked if they could email me this letter and they said no because of personal information included. 

On XXXX XXXX I contacted Village Capital and they stated that it had been mailed, but at this point I had not received. 

As of XX/XX/XXXX I have not received any letter.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/year>. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX my husband transferred money to my Venmo account because his instant transfer wasnt working. I tried withdrawing the money and it wouldnt allow me. I sent it to my son as well because I thought maybe it was just my computer. Then the money was transferred back to me. I tried to do the longer bank transfer and they informed me my account was frozen. There is {$1500.00} that they wont allow me to access. I contacted them through multiple ways explaining this is urgent because the money is needed to pay for medical expenses. No one seemed to care and said the money may be held for $ 180 days. I was told I would be contacted after I submitted my id. I did that and no one will respond to me. I have a family of XXXX  and {$1500.00} is an entire paycheck. I have read endless accounts of this company holding money or never giving it back at all.
Consumer complaint received 2021-06-22
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. (GA)

I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple anxiety attacks because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

I XXXX XXXX Mailed a Debt Validation Letter to Waypoint Resource Group on XXXX XXXX These are the Individual action not taken! .Company did not comply within 5 days after speaking to me 2. I requested Validation and they did not provide 3.They have not ceased to collect on a debt that is not owed.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I XXXX XXXX - Natural Person Sent Validation of Debt request on XXXX XXXX To Phoenix Financial Service They did not comply 5 days after speaking with me I requested validation and they did not provide They have failed to cease collection of debt.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Ive been contact experian, XXXX and Equifax about these XXXX accounts for over XXXX months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (TX)

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

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

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

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Consumer complaint received 2021-06-22
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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: TD BANK US HOLDING COMPANY (NY)

Hello, I did not authorize a charge from XXXX XXXX XXXX on XX/XX/XXXX, for {$100.00} and again for {$43.00}. 

On XX/XX/XXXX and XX/XX/XXXX, I submitted via fax documentation that the items charged had actually been charged to my student account in another credit card and that this* to my TD credit card was not authorized. I called TD disputes on XX/XX/XXXX to ask what was going on with the case. I was told that the case was 'closed ' but the agent told me that they would request to re-open the case. 
As of today, I have not received any mail about this case. Due to lack of communication, I believe this case is closed without an honest resolution. I would like the bank to consider the unauthorized charges invalid given the proof I had sent on XX/XX/XXXX and XX/XX/XXXX. It is due to the bank 's error both in the categorization of the dispute and communication, that this case was not resolved in time. 

I spoke to XXXX from TD disputes on XX/XX/XXXX and she notified me that TD had sent a letter about information regarding this case on XX/XX/XXXX. However, I have not received this letter as of today.
Consumer complaint received 2017-05-18
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. (GA)

I have disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
Consumer complaint received 2023-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

On XXXX XXXX, XXXX, I received an offer of 1 % bonus for deposit upto {$50000.00} if I kept deposit for 3 months. ( refer to pages XXXX of XXXX and XXXX of XXXX in uploaded documents ). I deposited {$50000.00} on XXXX XX/XX/XXXX. By XX/XX/XXXX my bonus was to be deposited in my account. Not having received any bonus until XX/XX/XXXX, I called up customer service and was told that we will review the matter and get back to you. After about XXXX month I inquired again and was told that matter is still being reviewed. I Was also told that there is no specific date by which the review will be finished. Since then, I inquired XXXX more times and each time was told that matter will be escalated to higher level. I was also told that there is no way I can talk to any higher decision making authority. By now it had been XXXX months beyond promised date and it began to smell more like scam so I decided to involve CFPB in the matter.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-22
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.