davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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. (MI)

In accordance with the Fair Credit Reporting act, the following XXXX  Accounts have violated my rights and are furnishing hard inquiries on my account : Account : XXXX  | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX Account : XXXX | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX 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 states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) 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.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}
Consumer complaint received 2022-02-26
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. (UT)

1. XXXX XXXX XXXX was paid in full # XXXX. Still shows a balance due. 
2. XXXX XXXX # XXXX still reflects I " disputed '' the account which I NEVER DID. I sent written proof the account is in " forebearance '' but it was not acknowledged & this continues to be a problem. 
3. XXXXXXXX XXXX inquiry is officially outdated as of XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX - the XXXX sent a letter to Experian on XX/XX/XXXX to remove it which stated it was " an error '' on their part. They also sent electronic correction for it to Experian. The item remains on my credit as of XX/XX/XXXX. I called the XXXX today to report the issue as unresolved. They're contacting the credit reporting dept. who made the error on Monday to get it resolved too.
Consumer complaint received 2022-02-27
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. (CA)

I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-02-27
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 Account # XXXX ( XX/XX/XXXX ) {$680.00} and XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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 2022-02-27
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

The representative was very rude she was waving her hands and rolling her eyes and being very belligerent. She did not want to disclose her name or how much services would be when asked. She was very unprofessional and dressed in bed attire while on duty. She appeared to not be interested in working or providing customer service. This location is in XXXX on XXXX XXXX.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I have only XXXXXXXX XXXX Credit Card but whenever I tried to check my XXXX score then one another card is showing active in my account which is from XXXX XXXX XXXX XXXXXXXX card but I never used or applied any other card except XXXXXXXX XXXX  CREDIT CARD because of it my XXXX score is affected so please check it and contact me on XXXX XXXX Which documents I have attached below the link please check it this is not my card
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (TX)

I was taking advantage due to malpractice while many laws have been broken under the FCRA by your company. This has cause my financial injury and defamation of character. This malpractice has mad it hard for me to obtain loan jobs and housing most of all I cant obtain credit. This malpractice by your company make it very hard to apply for credit during the pandemic
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CURO Intermediate Holdings (CA)

XXXX Opened a line of credit with XXXX XXXX XXXX XXXX Account. 
Card was activated at store and account opened with Routing and Bank Account Number.

Card given was previously used and connected to another persons account.

Information on card was not matching my information, dob and ssn, personal identification number.

Cashed a US treasury refund check for {$330.00} but had to open an account. 
Account was open and activated on account and card was already used and connected to another financial institution, financial name, financial resource, financial fraud, financial source including federal funding fraud and criminals. 
XXXXXXXX XXXX XXXXXXXX XXXX Routing Number XXXX Will Provide Account Number on request. 
Connected to City of XXXX California including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Identity Theft, Identity Fraud. 
Possibly another XXXX XXXX works at this bank and is using my information. 
So much stolen from me and my daughter including property, money, inheritance, intellectual property, falsifying information, XXXX XXXX etc. 

Possible connections of those doing fraud in City of XXXX, XXXX Police Department and stolen identity include XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City of XXXX Police Department XXXX FBI, XXXX, XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

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 2022-02-26
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. (CA)

Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!
Consumer complaint received 2024-01-04
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These accounts do not belong to me. I was a victim of identity theft. The accounts are XXXX XXXX XXXX. The collection amount is {$1700.00} and it's from XXXX XXXX  with a collection date of XX/XX/XXXX. The next fraud account is also from the XXXX XXXX XXXX for the amount of {$890.00} with a collection date of XX/XX/XXXX. This is affecting my credit score.
Consumer complaint received 2022-02-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX Dear Sir or Madam, This letter is in reference to my student loan with XXXX XXXX. The account number is # XXXX My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Chase Auto Loans, and my goal is to maintain the relationship weve built over the last number years. Recently I was even given a new Chase auto loan for my XXXX XXXX XXXX which like my first auto loan with Chase was paid off early. I recently pulled my credit report and discovered I had a late payment that was reported on XXXX & XX/XX/XXXX for my auto loan for the XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time loan payment those months. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation and ensured it didnt happen after those months. Up until my the medical emergency, I had an on-time payment history and also after. The loan was also paid off earlier than the term date. 

Based on my otherwise spotless payment history, the date of the late payment as well as the account age almost 7 years, along with the history of my new Chase auto loan that was paid on time as well as paid off early. I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

Thank You XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft from XXXX XXXX breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX Bureaus. Experian has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest XXXX is from XX/XX/XXXX, XXXX XXXX XXXX  XXXX was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX. ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TN)

Asked several times for help. Says dont qualify for deferment since I had one in XXXX which I didnt not request. They automatically did the deferment due to an error in XXXX. Will not work with you despite a pandemic.
Consumer complaint received 2022-02-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX  XXXX XXXX Account # 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 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview Loan Servicing has robo called me multiple times, sometimes at night and on the weekends. I have tried numerous times to contact them, but have yet to be successful. Lakeview Loan Servicing is also showing a payment has not been made even though it was processed weeks ago. Again, tried to contact them, but have been unable to speak with anyone.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

Hello. I currently bank pnc bank. I have issues constantly when I try to link my account to a third party such as cash app or XXXX who both use plaid. Every time I think I have it corrected pnc does something to interrupt the connection. I understand that the security aspect. But this is my bank account and I would like to use it how I want to use it. Its extremely frustrating.
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Hello! I contacted you a few weeks back & unfortunately misplaced your number & pray I returned to the right place : ) In & @ 2017, My husband & I were fooling around with an online app ( if you will ) called XXXX, a third party money transfer addition just featured with XXXX XXXX at our local Citizens Bank on XXXX XXXX in XXXX County XXXX. I fiddled with this app for approximately 10 minutes, as my husband and I were just starting up a small business with our music and was curious what is was & how it worked, therefore ( think ) if I even did anything wrong ) typed in my childrens email address once or twice to see how it may have operated, yet unsure this is even accurate. Due to the fact, I knew my children would never opt to bank & /or take out receive any funds. Within the next week or two, and ever since ( 3 years later ) & after living at hospitals with our youngest son, sadly are bank has still completely failed us! In 2017, they notified my husband XXXX & I, that we were now out close to {$2000.00}! After many many attempts to resolve with them ( citizens bank ), they then began telling us our money was now at another bank, and then another bank! Knowing too what we were going through! After dozens of unsuccessful talks/attempts beyond, they still have not recovered our money, money that never moved a cent, from this original account ending in XXXX, that they then said is in our best interest to just close this long standing account of ours, after all that! Please notify us as to what we can do to receive our money back, as we so need or, and what you feel the direction is we can take in this matter. GODBless & Happy, Healthy XXXX XXXX! XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX & /orXXXX ( XXXX XXXX XXXX.
Consumer complaint received 2022-02-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # 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 2020-08-10
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}
Consumer complaint received 2021-01-06
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)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.