davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-05-23
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. (TX)

On the date XX/XX/2021, I requested that Equifax remove several accounts. On the date of XX/XX/2021, I received a response from Equifax which is Nine days past their time to respond. I've made it clear that Equifax was committing multiple violations according to the Fair Credit Reporting Act. Pursuant to 15 USC 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Notice How Congress did not define " Privacy '' under the Fair Credit Reporting Act. Therefore, my rights to privacy have been compromised as I am a private consumer, I never gave consent for Equifax to furnish anything. I have you know that No Consent is considered identity theft. This is Equifax first violation, let 's move on ...

According to 15 USC 603 ( 2 ) the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card pursuant to 15 USC 1681 is the same pursuant to 15 usc 1602 ( I ). The term Credit Card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress said ANY card. The Credit card I am referring to is my social security card, which is the credit card I used to originate the consumer credit transaction. This is Equifax Second Violation.

Furthermore, Pursuant to 15 USC 604 ( a ) 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. Notice how it says written Interactions of the " consumer '' I never allowed or given my consent to Equifax to furnish anything about me. I make it known, according to 15 USC 616 Civil liability for willful noncompliance ( a ) Any person ( The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2022-11-02
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. (MD)

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2021-05-23
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: Mobiloans, LLC (CA)

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity. 
2. XXXX XXXX - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXXXXXX XXXX XXXX XXXX unauthorized, unknown 8.XXXX Mobiloans XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} million for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXXXX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX  Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21 XXXX : XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21 IXXXX XXXX XXXX XXXX XXXXXX/XX/21
Consumer complaint received 2023-08-12
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. (FL)

I am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

This issue is with Paypal Credit ( SYNCB/PPC ). I had handed this and other accounts over to XXXX XXXX XXXX to handle all payments. Once included in the plan, all accounts were closed, only payments on these accounts were allowed. 

After a few months I was denied access to the online portal and could not monitor the balance. However, I was informed on a monthly basis by XXXX XXXX XXXX of the diminishing balance. It was all good. 

The real issue is with the final payment on THIS account. The final payment made was {$10.00}?? instead of {$15.00}?? which was the account balance, a difference of {$5.00}.??. 

As I said before, I had no access to the account and therefore had no idea that {$5.00}?? was owing. I was NOT informed about this. As a result, the account became delinquent ( for {$5.00}?? ) and was reported. My credit score went down XXXX points and the negativity drags on.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX A, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concentric Receivables Management, Ltd. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XX/XX/year>
Consumer complaint received 2021-05-22
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. (GA)

I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was XXXX in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I was " Turned Down '' for a new cell phone by " XXXX '' because of some negative credit information on my " Equifax '' credit report. And " Equifax '' is refusing to give me a copy of my " Equifax '' credit report.
Consumer complaint received 2017-09-09
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. (WI)

On XX/XX/2017, Equifax Inc. revealed that its computer systems were hacked several months ago due to negligence in their IT security. Because of this, a large amount of my personally identifying information was released without my consent, as identified by the website equifaxsecurity2017.com.
This has the potential to impact me by increasing my risk of identity theft, and poses a risk to my credit history should I try to obtain a loan in the future.
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

I have a XXXX charge in the amount of {$410.00} reported by Southwest Credit system ( number is XXXX ) on XX/XX/XXXX for an account that is dated back in XXXX " allegedly '' but nor XXXX or Southwest can get me a copy of the bill that they claim is past due balance and I gave been a XXXX  customer since back in XXXX and still a current company. I have a home in NJ here they say it is from and I live in GA now. I had a manager at XXXX on the phone from collection department and they could proof it was mine, a copy of the bill ... I called southwest with the XXXX XXXX mgr. on the phone and southwest would not talk to us and transferred my to a VM. I told them both is they could provide a bill I'd pay but either will/can do it. I tried with there XXXX fraud team as well and got now where. They only have a email and phone that they issued to me so I'm told and don't nor ever had access to nor knew existed. Yes, I pay them {$300.00} per month is GA with my same SS #, phone #, XXXX. Yet, they claim I owe them {$410.00} from 5 years ago. I have called both companies several time and I get now where. I'm buying another house and can I please get this removed or discarded off my credit report, it's impacted my score by 40 point for {$410.00} from 5 years ago, yet, I pay $ XXXX  monthly to XXXX ... please help.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2022-11-02
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. (CA)

ITS BEEN 30 DAYS SINCE IVE SENT MY DISPUTE TO TRANSUNION POINTING OUT THE OBVIOUS ERRORS/VIOLATIONS THAT NEEDS TO BE CORRECTED
Consumer complaint received 2022-11-02
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)

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act this creditor has violated my right under USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also says a consumer reporting angency can not furnish an account without my writen instructions. Under 15 USC 166 b a creditor may not treat a payment on a credit card account under a open credit plan as late for any pourpose and they need to be removed.
Consumer complaint received 2024-03-26
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not approve my credit pulled from the companies below I didn't authorize and I need them deleted immediately XXXX XXXX Inquiry date XX/XX/20XXXX XXXX XXXX Inquiry date XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/2XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XX/XX/2XXXX XXXX
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I entered a consumer credit transaction with AUTONOW and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that AUTONOW claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. AUTONOW has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Hello, I recently reviewed my credit report and noticed multiple accounts with inaccurate information. I have sent numerous dispute letters to the consumer reporting agencies regarding my XXXX  loans. XXXX has paid the balance and late payments were left in my account. I was told that if I submitted certain information, that the late payments would be removed, and they have not been removed. I have found inaccurate information regarding these loan late payment dates. I am asking for a quick and thorough investigation in this matter. All evidence will be attached to this investigation.