davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-11-29
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. (IL)

I reached out to XXXX asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last 4 of the social. I attempted to verify the full social and they refused to provide me with any further details. 

XXXX also has two accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. One which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-17
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. (VA)

INQUIRIES under no circumstances did I authorize or give my permission to pull or do a hard credit check on my credit report 30 or even 60 days prior to the dates below. Also, There is no signature from me to authorize this XX/XX/22. XXXX XXXX XXXX XXXX XX/XX/22. XXXX XXXX XX/XX/22. XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (VA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK (MS)

I went over my limit months ago, my monthly payment since going over my limit has been XXXX something dollars every month since. Until my XXXX billing statement. My minimum monthly payment went from XXXX something dollars to over XXXX something dollars, which almost double my monthly payment. For the XXXX billing month I continue to pay my XXXX something dollars monthly payment, and since I didn't pay the XXXX something payment, the charged me a late fee. I called and asked why was I being charged a late fee, I was told as long as if I continue to pay my previous minimum payment and not the increase monthly payment of over a XXXX dollars I will be charge a late fee
Consumer complaint received 2022-11-29
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. (SC)

I have sent several Letters to Transunion in reference to investigating 4 accounts that are reporting inaccurately on my credit report. Every time they respond they say that an investigation has been done and the items have been verified. But how can they be verified if the items are reported inaccurately? Showing different dates? Different Balances? Some balances not reporting at all. They have failed to do a thorough investigation on the items in question and with that being said they need to remove the items IMMEDIATLEY! THESE ITEMS REPORTING NEGATIVELY ON MY CREDIT REPORTING ARE HURTING MY GOOD REPUTATION AND NEED TO BE REMOVED.
Consumer complaint received 2018-10-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (LA)

I recently pulled my credit and notice AD Astra Recovery is reporting a balance of {$850.00}. I've sent four letters to this company asking to verify this debt. I have not received anything but a print out of a balance they claim I owe. I honestly don't believe this debt is mine! I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. 
Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Consumer complaint received 2018-10-11
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. (TX)

This account below is not mines. i have disputed this more than 4 times over the past XXXX years. I have also file complaints with the State of Florida AG. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX These inquiries I didnt not authoirze. I can provide proof. I only asked dealer to go through one bank and they sent application to 8 banks. 

Inquiry details XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (DC)

Hello, Since XX/XX/20, I have attempted to right a wrong with PNC regarding a check I mistakenly deposited into my business checking account with them and PNC has not assisted me in recovering these funds for several days now. 

I mistakenly deposited a {$3000.00} check ( check XXXX ) into my business checking account on XX/XX/20 and this check was actually written on the SAME business checking account. I thought the check was from a different account I owned, but it was from the same account that it was written on. I realized the error but it was too late. 

{$3000.00} was withdrawn form my account to cover the check written on the SAME account, the funds came out and were never deposited back, despite the several attempts I have tried to make regarding this. Right now, I just want my {$3000.00} back into my account. I dealt with someone named XXXX XXXX from the PNC help component on the online app and she has not communicated with me in a way that would help me. I spoke with her twice. She said it would take 3 days, but it has been well in excess of 3 days. I want the {$3000.00} put back into my account as soon as possible. 

Though it is my error, PNC should have also caught this error and refunded the money, but there has been no action. Now I need a different kind of help.
Consumer complaint received 2024-03-18
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

The closing date is on XX/XX/year>, and I paid the HELOC completely off on XX/XX/year>. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Consumer complaint received 2024-03-18
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-25
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: CREDIT ACCEPTANCE CORPORATION (NJ)

After repeatedly trying to explain to Credit Acceptance that the account in question did not belong to me, the company refused to update their system and remove the car payment from my name. Despite informing them of this, they continued to report delinquent payments on my credit report and harassed me with calls regarding payment for an account that was not mine. I argued that the person who is responsible for the account should be the one to make payment, not me.
Consumer complaint received 2022-11-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service, 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
Consumer complaint received 2022-11-02
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. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (WI)

on XXXX I received the following correspondence. that XXXX indicated that it is the credit reporting agencys task to remove my XXXX  account with experian please read attachment
Consumer complaint received 2017-07-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MO)

My son had a student loan thru   XXXX   XXXX  , his father and I co-signed for this loan of {$26000.00} over the past few years payments were made to   XXXX   XXXX   some by our son, his father and myself. After   XXXX   XXXX   formed Navient as their collections company, we were plagued with calls demanding payment in full. Our son 's father paid them {$10000.00} on XX/XX/XXXX  to have them remove his name as a co-signer which they eventually did. My son on or about XX/XX/XXXX  had   XXXX   XXXX   XXXX   ( a service related benefit of education loan ) contact   XXXX   XXXX  /Navient to get the exact payoff of his student loan which  XXXX  was told the amount of {$17000.00}. A check was sent for that amount payable to   XXXX   XXXX  , ck #   XXXX   was received and deposited with a bank stamp belonging to   XXXX   XXXX   XXXX  . #   XXXX   for deposit only. After our son was told that they did not receive this payment he contacted  XXXX  for copies of this check and   XXXX   XXXX    sent him copies of front and back of cancelled check proving this had been done and that they were paid in full.
Navient ( one of several collections agencies contracted by   XXXX   XXXX   ) still denies that the debt has been paid in full and is still trying to collect monies not owed. This is one of the many fraudulent acts that has caused the lawsuits to be filed against them.
Consumer complaint received 2023-05-25
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: T.S. Holdings (CA)

Apparently somebody was able to get a whole apartment in my name. Without being mean they must have had some type of fake. ID or something I talked to the apartments and they were completely lost and did not know what to do they said that they would contact me back in. A couple of days and they did not I called them. And got an answer and was told that I would get a call back once again. I did not I have dispute it. This collections on my credit report several times to each credit bureau and it is still on there despite. Me never living out of california and apartment is in another state
Consumer complaint received 2024-03-18
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. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2024-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

Criminals hosted by Citibank stole my life savings but Citibank NA refuse to engage with me in any meaningful way, always batting it back to me telling me to use my own bank XXXX and my law enforcement to track down the criminals. 
My own police tell me they are too busy chasing criminals here without chasing them abroad and XXXX tell me they sent 9 recall notices but Citibank deny receiving any of these. 
Recalls via XXXX do not go astray. 
I have pointed out to Citibank that while we squabble over this, criminals are laughing their heads off. 
What message does it give to the criminals? 
That they can do this again and again ad infinitum and get away with it.
Consumer complaint received 2024-03-18
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-03-22
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)

I sent a notarized Affidavit of Fact on XX/XX/21. EQUIFAX has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. EQUIFAX did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, written, or any other way to list these items on my credit report or credit file. Affidavit of Fact along with Exhibits will be included in the files.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

I had an account with Self Lender. The account is currently paid and closed and has been since XX/XX/XXXX. Today ( XX/XX/XXXX ), the company reported that the account status is currently 30 days past due. Again, the account is closed with a XXXX  balance!!!!! The account is not 30 days late. I previously filed a complaint about this months ago. The company fixed the issue, but as of today, they reported the incorrect status AGAIN. I am including the letter from the company from my last complaint where it states that they were correcting the account status. The company has gone back on their word, which is in writing.