davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
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. (TX)

Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On   XXXX   XXXX   XXXX   I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Equifax, which was delivered at   XXXX   pm on   XXXX   XXXX   XXXX     in  XXXX , GA  XXXX  asking them to investigate. On   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX    , Equifax sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. ' ' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Consumer complaint received 2023-01-07
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. (KS)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$230.00} 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 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 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC. (VA)

I recently had a name change and I tried to call Exeter to inform them of my name change. As usual Exeter will not take any of my information down correctly. I informed them back over the year XXXX that I was struggling to make payment because I became ill in XXXX from XXXX. I only receive {$4100.00} a month. I have tried sending them my XXXX, Veteran Affairs Award letter and they did not want to assist me. I am an unemployed totally XXXX percent disable Veteran with XXXX, XXXX XXXX XXXX, fluctuations of XXXX levels, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. The back an forward with Exeter is aggravating my XXXX XXXX. Exeter Finance still has me listed in the systems as working and did not take the car back I tried to surrender over half a year because they were listening to XXXX XXXX XXXX, a person who didnt make one payment on the vehicle and they did mot tell me any of this. I feel as if I have been discriminated against and treated unfair and without dignity.
Consumer complaint received 2023-01-07
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. (GA)

There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened - letter attached to online dispute with XXXX
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (CA)

THESE ACCOUNTS WERE CLOSED AND PAID - THE DEBTOR DOESN'T OWN THE ACCOUNT BUT AT SOMETIME OVER XXXX  YEARS AGO RE-ESTABLISHED CREDIT OR RE-OPENED THE ACCOUNT AND THE DEBT WAS CHARGED OFF. THEY THEN SOLD IT IN XX/XX/2019 BUT DID NOT INFORM ME. 
THE DEBT IS TIED TO AN ADDRESS IS NOT MINE AND A PHONE NUMBER THAT IS NOT MINE.
Consumer complaint received 2023-01-07
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. (NC)

I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with XXXX CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from EASTERN states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my XXXX report, which supports there was not a proper investigation done by XXXX and Experian. 
I have documented every letter and receipt to support my efforts of removing this from my consumer report.
Consumer complaint received 2023-07-12
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: MOHELA (OK)

MOHELA/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I, just today, realized that XXXX XXXX is reporting the wrong amount as a negative on my credit report. I was initially contacted by their affiliate ( XXXX  ) demanding {$1700.00}. They fraudulently and falsely claim to the credit bureaus an inflated amount of $ XXXX. This harms my credit and makes it look worse than reality. 

I have no agreement with XXXX XXXX, whatsoever, let alone one that allows them to charge me in addition to what Synchrony Bank believes that I owe them. Thus, XXXX XXXX  CAN NOT claim to credit bureaus that I owe anything over {$1700.00}. 

In addition, the " debt '' is so old that they should not be reporting it at all anymore. This, too, harms my credit and causes me a great deal of damages. I am paying far too much for my car loan and for my credit cards now, as a result. XXXX is the ONLY negative on my report according to XXXX XXXX XXXX XXXX XXXX. Thus, there is no one else to blame for higher interest rates and denied applications.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (IL)

They are utilizing illegal practices and I didn't realize it until the sign up process was so sketchy. They are trying to boost your credit by making unsolicited deposits in your personal bank account and demand to have the money sent back to them as their process of verification. They asked me to load two XXXX gift cards with XXXX dollars after they made a XXXX deposit in my personal bank account. I couldn't get the gift cards to load so they tried to make me get a bitcoin deposit. They are trying to qualify you for a loan you are would never qualify for by boosting your credit this way. It is an Illegitimate lender.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

File a dispute with trans union for two accounts that was Reporting inaccurate information on or about XX/XX/2021 received an update with an issue date XX/XX/2021 that the two accounts listed below. Were Deleted from my credit report upon checking my credit report recently trans union has Reinserted the following. Two Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
Trans union is also in receipt of this Reinsertion dispute and has file to respond.
Consumer complaint received 2023-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I submitted a consolidation request in XX/XX/XXXX to consolidate a total of {$280000.00}, which was processed but was disbursed for the incorrect balance of {$9300.00}. All loans except for my XXXX loans ( which were also included in the request ) have been paid in full through the consolidation, but the balance is not reflecting that. On XX/XX/XXXX, I contacted Mohela and spoke with a supervisor named XXXX, who said she would be submitting a request to have the missing balance added to the consolidation. She said she has been seeing it happen too and to allow apprx. XXXX business days for processing. I called back on XX/XX/XXXX because the balance has not been updated on my account. Spoke with an agent, who then told us it wasn't possible for them to fix it, so the call was escalated. I was on hold for almost an hour, so I called back and spoke with XXXX who said the request was still pending to have the balance adjusted. Mercy then offered to escalate the call again, and I was placed on hold again. I was unable to get through to a supervisor due to the long hold times, and the issue has yet to be resolved.
Consumer complaint received 2023-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I filed a fraudulent dispute that was made on my card for {$10000.00}. I submitted all the required documents to the bank. Without sending me a letter confirming the resolution or at least showing me the result of their investigation, the bank put back the charge to my account and made me responsible for it.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (IN)

I am attempting to drop my property mortgage insurance from my loan that is currently with Village Capital. I am currently under the 80 % loan to value and spoke with my lender and they advised me to contact the FHA department. After speaking with the FHA department I was directed to the Consumer financial bureau to file with them and start the process. My main concern is only to get the PMI dropped from my monthly payment.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/XXXX account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition
Consumer complaint received 2022-11-26
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. (NY)

In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and Equifax and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

I closed my Discover Card in XX/XX/XXXX. Today XX/XX/XXXX, I received a Statement alert email indicating I have a statement available. Concerned about fraud, I called discover who gave me a non answer that the card had an " internal charge '' which was reversed resulting in the statement alert. While there is no balance, I am extremely concerned the card that should be closed, and likely expired by now, can somehow still be charged, even internally. This seems like a huge security risk and I am extremely concerned about my private information contained in their database still.
Consumer complaint received 2023-03-14
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXr XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (MI)

I need to dispute the account. This is not a bill that I owe. This bill is not accurate. It was reported inaccurately. This has been previously confirmed with the original creditor that it is not accurate. You have reported it inaccurately.
Consumer complaint received 2023-01-07
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. (MD)

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. 

Account names : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 : 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 2023-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have disputed the account XXXX times and have sent in all my information to verify it is myself making the request. I have requested for a full file disclosure and have no received it.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

ISSUE # 1 The end-of-day balance on XX/XX/XXXX according to the online ledger and, according to my knowledge, was {$64.00}. However, the bank charged me {$100.00} in overdraft fees for transactions done on XX/XX/XXXX because of transactions that came thru on XXXX 

ISSUE # 2 The bank also charged me {$35.00} to place an ACH block on XXXX  and this block would stop this company from going into my account. However, on XXXX  this company attempted to debit my account. However, I did not incur a return check fee, and the bank said this is how an ACH block works.
Consumer complaint received 2023-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.