davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I XXXX contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX
Consumer complaint received 2021-01-18
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: HUNTINGTON NATIONAL BANK, THE (PA)

On XXXX XXXX I received a letter from Huntington Bank XXXX, Ohio. It was a loan denial. The letter states that on XXXX XXXX I requested a loan in the amount of {$9000.00}. I did not request such a loan. I did not fill out nor sign a loan application. I had at the time a loan on a car with them. I did however accompany a young lady by the name of XXXX XXXX who did apply for a {$9000.00} loan. I mentioned that if she needed a co-signer I would do it for her. The idea was to have her assume the loan. However the denial letter she got ... has the same application ID as my denial letter. As well as requesting my credit report without my signed permission reduced my score from ( then ) XXXX to XXXX. In so doing sighting that for one " I had Frequent Delinquencies. I complained to the XXXX XXXX XXXX XXXX Ohio and with the banks headquarters and the local branch here in XXXX XXXX. I have one been contacted by the XXXX XXXX by phone and letter. The letter states that according to their records that I had applied for a loan. In a telephonic response to my letters I was told that I had Indeed applied. My stated response has been the same. Show Me The Application. I was even told I couldn't see it because the loan had been denied. Answer : There is none and they are continuing to LIE. I did also challenge the score with all 3 credit agency 's. Since I have found out thru a loan inquiry that the matter was settled with the company. My score was elevated to XXXX.
Consumer complaint received 2022-10-29
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. (IL)

Equifax, XXXX, and XXXX have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (NY)

In XX/XX/XXXX, I moved from XXXX  to XXXX XXXX. I had my XXXX Account on auto-pay for the past four years. I forgot to cancel the account, and reached out to XXXX in XXXX or XX/XX/XXXX to cancel the account. I paid those four extra months and did not even request a refund, understanding that I should have called sooner. 

Once the account was cancelled, it was closed out and my auto-pay was removed. I had asked the agent for written confirmation that the account was closed, but he said he was un able to provide that. There apparently was one more bill erroneously sent to my old address in XXXX, which was then sent to collections. I never received the collections notice because it was not sent to my new address in New York. 

On XX/XX/XXXX, I noticed a delinquent status on my credit report. I could not access it online because the account was closed and I had no record of the number. I called XXXX immediately. The first THREE people I spoke to could not help me. My account was not in their " region. '' They also could not even find my account number because it was closed out. 

Finally, I spoke to XXXX XXXX Employee # XXXX XXXX. He credited the account in full {$160.00} and told me it would take 24 hours to reflect to give notice of hat happened. I was told that the account was inactive and there was " no reason to charge when account was cancelled and de-activated. '' I was also told that it was a " non-collections credit '' and he was unable to send a note or email to me since it was applied manually. It seemed to be a systems limitation. So he gave me his employee number. 

I called Contract Callers twice to resolve this. The account was removed from two of my credit bureau reports, but not XXXX. Then it showed up on an XXXX  report again. Contract Callers told me they were waiting for XXXX to verify this information. It has now been over a month and I have not been able to get this resolved. It is still on my credit report, and I am in the process of signing a commercial lease for my business, so i really need this resolved since this was done completely erroneously.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Theres currently 3 months of late payments from XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX listed on my XXXX XXXX, XXXX and Equifax credit report. I have never made a late payment on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account, XXXX XXXX XXXX XXXX  credit card account, or XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. All of my payments I have made to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX for my credit card account has been on time payments made.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-04
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a p ayment on a credit card account under ar open end consumer credit plan as late For any purpose.
Consumer complaint received 2023-11-11
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, Equifax and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # 1XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to XXXX, Equifax, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late thank you.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ' ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-20
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. (OH)

I have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and Transunion of the invalid address on my profile and is not a correct location. XXXX has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # 1XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to XXXX, XXXX, Transunion is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.
Consumer complaint received 2022-10-19
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. (CO)

On XX/XX/XXXX, XXXX I sent a letter to Equifax to correct an account that they are reporting inaccurately, and it is effecting my ability to purchase a home. 
They have done nothing with the investigation. 

This account is closed and paid in full and they are reporting a payment status as " at least 120 days or more than four payments past due '' which is completely inaccurate considering they clearly show in the XXXX year history that XXXX XXXX XX/XX/XXXX there was all on time payments. This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-19
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. (PA)

Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/XXXX I opened a credit card account with Chase Bank for a Sapphire Reserve card. My credit limit was {$33000.00}. The company increased my limit, without my request to {$36.00}, XXXX in XX/XX/XXXX. I made monthly payments that ranged from {$900.00} - {$4000.00}, in which my monthly minimum was {$400.00} - {$590.00}. In XXXX, XXXX - XXXX I had an avg monthly min payment of {$600.00} and paid an avg. XXXX XXXX monthly. In XXXX I made a {$600.00} payment with {$610.00} min. required. XXXX I did not make a payment with {$1200.00} min. required. In XXXX my credit limit went down to {$21.00}, XXXX. I made a XXXX XXXX monthly payment with {$600.00} min required. In XXXX the credit limit went down to {$20000.00}. I paid {$1000.00} and the min. required was {$580.00}. On a XXXX  month old account, I made one payment {$10.00} less the minimum and missed one payment. I IMMEDIATELY began my normal avg. monthly payments after the missed payment. No matter how much I pay this debt down it will CONTINUE to affect my credit negatively, due to credit card % utilization. I called and asked why is my credit limit continuing to decline and the reason given was due to credit score, which they are continuing to affect. This is a SCAM and illegal.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the third time I have filed a complaint. The company is not resolving the issue. 
The complaint is- the company is not providing complete credit history on the reports they are sending. I got two letters to prove it. And a third letter saying they don't understand my complaint. What? 

TransUnion - pay attention. Once again, here is the complaint Other credit companies such as XXXX have added an option that lets you add items such as credit card history and other payments that give a complete picture of a customer 's credit. I asked TransUnion why they aren't doing it. I did not get an answer. 

Please note that I called you as well. And submitted the feedback email you sent to me, which included the complaint and why. You never got back to me. 

Complaint has not been resolved.