davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-11-11
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. (HI)

In aqccordance with the Fair Credit Reporting Act XXXX, " XXXX XXXXXXXX XXXX '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

In accordance with the Fair Credit Reporting act, XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-03
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: KEYCORP (NY)

I Have sent a complaint already I have power of attorney on my mother and the real estate in question and my lawyer assured me the first power of attorney papers covered everything but the second one really did. The bank refused to recognize my legal binding power of attorney papers. So I could do nothing with our home so the APR has been rising ever since with no end in site the payment when I started my mothers finances were at XXXX a month and now they are XXXX That is Robbery especially when they refused to work with me.
Consumer complaint received 2024-04-03
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. (OH)

Equifax had a data breach and as a result my identity was compromised and I have lost time money and assets. I am supposed to be a class action member but I never got payment nor did I get the promised restoration services. When I contact the administrator they tell me that I've gotten paid, I explain to them that I am not paid and perhpas my payment was stolen just like my identity. It was impossible for me to get paid and they will not verify the amount, who or how a person got paid because it was not me and they keep saying the same thing you got paid and this has gone on for months. 

I have never been paid, and my identity remains stolen such as this, someone has cashed this payment and it has not been me. 

I'd like to know the amount of the payment, the date, the check number and where who and how it was cashed to report it stolen and ask for a replacement as I am not compensated per the court settelment order. 


Equifax won't help and the administrator isn't helping, " m starting to see that class action checks are being stolen. 

I'd like to be paid and the credit monitoring and services given to me.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Attacher is a copy of the complaint I sent to XXXX care my mortgage company. XXXX has been incorrectly/or not reporting my payment history with them for over 8 years now, and it is affecting me adversly. I have never missed a payment every since I have had a loan with them. Nor have I ever been in a bankruptcy with this lender. This lender carries a bankruptcy disclouser on my mortgage staments, and I have pleded with them to discontinue this behavior, but they continue to violate me in this manner. I have researched this company, and found out they have did the same thing to other mortgage holders, and have been fined. 

This behavior on part of XXXX has cause me to be denied credit for a Home equity loan. Yes, that is another whole seperate complaint coming over to you. My civil rights have been violated and I am not sure if they can understand the affects of having that happen to you. I would like to prosecute this complaint to the furthiest extent possible. please forward my complaint to other governing bodies whom regulates mortgage lenders.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed a proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-11-11
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-04-16
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. (AL)

This acct is showing a miss payment as of XX/XX/XXXX this acct has been closed since XX/XX/XXXX and some has ever contacted me about this acct!!

Please remove this from my credit report
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (NC)

Was told that on XX/XX/2023 a genesis fs card service had a open credit account for myself and when trying to verify the address it was not my current address on the account because I never open this account for the destiny credit card
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im applying for a building loan and three hits were in my credit report that I didnt apply for. Two for XXXX both on XX/XX/XXXX, and one for XXXX XXXX  on XX/XX/XXXX. I would like for these to be removed from my credit and to find out if credit was given in my name for these accounts
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

Adverse action against a consumer is Against the Law according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Discover criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. 

Discover is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Consumer complaint received 2022-11-10
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. (MA)

the account is XXXX its Experian that's reporting it as XXXX potentially negative in red on my account. i spoke to XXXX today at XXXX and she said XXXX is reporting it since 2020 as paid for less than amount of in settlement so she doesn't know why its reporting or showing me what it says on my end.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, It is my right to have a fair, and correct credit report across all three bureaus. I've requested my accounts to be placed under investigation under all three bureaus and there are so many inaccuracies across the board, yet they keep coming back verified. 
I am being charged off for dead accounts damaging my XXXX some accounts are not matching across the board. Dates are incorrect across the board. Charged off accounts are not showing zero balances that have been turned over to a collection agency. The debt collector can not update lates on a monthly basis. Reporting the debt as revolving, which is not only inaccurate but it's causing my credit score to decrease. 
According to the FCRA, section 623 a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. ''
Consumer complaint received 2024-04-03
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. (NY)

Despite my persistent attempts, I have not made any progress in resolving these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. If you choose not to address my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2023-11-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation (TX)

I received a loan check in the mail from 1st Franklin Financial ( XXXX ) in XXXX, Ga. I did not apply for a loan in any way, nor am I interested in taking out a loan. I have never had contact with this company. Over the last year, I have not sought any financial assistance of any kind from any company. 

The letter includes the following : " It's true, attached is a real, cashable check made out to you for {$2000.00}. Once cashed, that's only {$140.00} per month. * Enjoy the convenience your good credit history has earned you. Cash or deposit your check today. '' " By signing this Arbitration Agreement ( " Agreement '' ), you agree : You are giving up your right to go to court. 
You are giving up or limiting the rights you would have in court. These rights include the right to force someone to testify. 
You are giving up or limiting you right to appeal the decision if you lose. 
You are giving up your right to be a class member or class representative in any Class Action or Class Arbitration ... '' " Visit us online at 1ffc.com '' " ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate 35.95 % '' The letter is then signed by XXXX XXXX, 1st Franklin Financial Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX ( XXXX ) XXXX It is worth noting that the annual credit rate limit of the agreement exceeds that set by the State of Texas ( where the letter was penned and where it was delivered ) ( https : XXXX XXXX XXXX ). I plan to inform the appropriate state authorities in a separate filing. 

My complaint to the CFPB is that this is obviously a predatory marketing tactic designed to trick individuals into taking out a loan and waiving rights to challenge the fact. The check itself is the only area in the enclosed documentation with a signature line, which is on the back of the check as any endorsement would be. The phrase " this is a real check '' is repeated throughout the documents. 

This sales tactic is also an easy way for anyone to intercept the letter and cash the check, thus taking out a loan under some else 's name with a single signature.
Consumer complaint received 2023-08-08
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2020-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/20 I sent a dispute letter to Transunion, XXXX, and XXXX  to inform them of account XXXX XXXX XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX and XXXX to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX and XXXX to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX, XXXX and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (NY)

My name is XXXX 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.