davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-31
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2021-12-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

I have no idea who Caine & Weiner  is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent.  Caine & Weiner is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019.  I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I REQUESTED INFORMATION FROM CAINE & WEINER AND THEY DID NOT REPLYWhen a debt collector engages in the collection of “DEBT” they must provide copies of the following items:1. Provide a certified copy of the complete credit application that “debtor” signed to secure the credit with your entity.2. Provide signed verification of each transaction that is part of the alleged cumulative debt.3. Provide the contract or other instrument through which [Alleged Creditor } authorized Caine & Weiner as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Caine & Weiner } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to  Caine & Weiner, that authorizes your company to settle accounts of the United States (Public Law 104-316).6. Provide the Certified Assessment Certificate. Violation(s):* Failure to provide a notice prior to reporting negative information to a credit reporting agency (CRA).* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency (CRA).* Failure to provide an Opt Out Notice.* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.* Sharing Non Public Information (NPI) without providing an Opt Out Notice
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I purchased a XXXX XXXX XXXX at a XXXX grocery store on XX/XX/21 with a preloaded balance of {$50.00}. On XX/XX/21 I opened the gift card and registered it online at XXXX, however when I attempted to make an online purchase the card was declined. I called the telephone number on the back of the gift card XXXX and spoke with 3 different representatives who all advised that the card was placed on hold for fraudulent activity that occurred on XX/XX/21 which was prior to my purchase of the card. The company offered to mail a new gift card within 5-7 business days, but could not guarantee that the new card would not be flagged for fraudulent activity. I requested the company refund me the {$50.00} and I was informed that the money is still there, but I would not be able to access it because the card has been flagged. All 3 representatives refused to transfer me to a supervisor after multiple requests and eventually hung-up on me.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MN)

I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX FAIR COLLECTION & OUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MD XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601
Consumer complaint received 2021-12-25
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: LEXISNEXIS (SC)

XX/XX/2021, LexisNexis. LexisNexis is braking the Fair Credit Reporting Act law. 15 U.S code 1681- ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 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. I have attached a letter that LexisNexis mailed me stating that they purchased bankruptcy information from XXXX. LexisNexis did not get my XXXX XXXX to furnish a bankruptcy on my consumer report. LexisNexis DELETE this bankruptcy from your data immediately. LexisNexis reports this bankruptcy to XXXX, XXXX and XXXX as well. This company is braking the law!!!!!!!!!! I have attached documents of proof. I have attached my ID, XXXX XXXX card, and most recent Utility bill for proof of address.
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (MS)

For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2021-12-25
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. (MS)

For several months, I have repeatedly asked Equifax Information Services XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2019-09-10
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: Southwest Stage Funding (TN)

I went to a mobile home company called XXXX XXXX an filled out an application for a new home, by application was sent to 3 banks. South west Stage fund was one of the companies that received my application and reviewed credit report on XX/XX/2018. it was a week and I called the sales representative to find out about the status of my application, I was told that my application was sent to South west stage fund he gave me their customer service number, I spoke to a credit representative that went over my application and asked my several questions , he pulled up my credit report and went over my debt to income. Then I was told that I will be notified , well I waited a few more days and I called XXXX XXXX again and told him what was going on, he said that he will call South west stage fund and stay on the line together. we was transfer to a supervisor because the representative that was handling my loan application denied my application and terminated his position or went on vacation that day I'm not sure everyone was talking so fast. when XXXX XXXX and I disconnect the call we were very upset about the way my application was handled unprofessionally , so my application was sent to XXXX XXXX that same day and was approve for $XXXX
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (NY)

Please be advised that IRS reported identity theft and insists on communication with an identity protection IP PIN. This directly relates to all the fraudulent fact you data mined, without my knowledge, and are now using to reduce my credit score and to purposefully present false reports about me. Therefore please email XXXX the source of the following fact for each of: XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX   XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Potentially negative XXXX XXXX XXXX, Potentially negative XXXX XXXX XXXX, XXXX  XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or as Experian has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore, please email XXXX a copy of my signed authorization for each of: Hard inquiry XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN CONSUMER SERV, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN CONSUMER SERV, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN, Soft inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX INTERNAL REVENUE SERVICE. Soft inquiry XX/XX/XXXX INTERNAL REVENUE SERVICE, Soft inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX EXPERIAN, Soft inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX and Soft inquiry XX/XX/XXXX XXXX XXXX or as Experian has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.
Consumer complaint received 2021-12-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MA)

My credit report monitoring company informed me that on XX/XX/2021 a chacking accou t was openedon my behalf. This was done at a TD Bank branch located at XXXX XXXX XXXX, XXXX, SC XXXX. This although all my credit and Social Security Number are frozen or locked. I have not opened any accounts at this branch or any other TD Bank branch.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Thank you for your quick response. However, in the complaint, you have XXXX as the company I am complaining about. See below : " What company is this complaint about? 
Company Information XXXX '' This should be Everhome/Everbank/TIAA. 

As I stated in my complaint. It started with XXXX, but when they transferred my loan to Everbank, Everbank added the {$500000.00}, instead of subtracting it. 

Thank you!
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. ()

Dir Sir or Madam:I wrote to you approximately 11 months ago regarding a ‘Charge Off’ and delinquent activity being reported on my credit file from Citibank (CFPB Case No. XXXX). I received a response on XX/XX/XXXX, from XXXX XXXX denying my request to remove the derogatory information. In late XX/XX/XXXX, Citi shut down an overdraft account after I closed my corresponding checking account. At the time, I did not realize that there was a balance due on the overdraft. After the account was closed, I attempted to log on and ensure that everything was in order but was unable to access the account at that point. I called Citi and was told that they would be in touch. I was never contacted again.In XX/XX/XXXX, my company was in the process of securing a $XXXX XXXX XXXX loan for a XXXX XXXX XXXX project. The lender ran my credit report and found the derogatory information. I called Citi and they explained the reason for the status of the collections. I immediately transferred $XXXX to Citi to clear the balance. None the less, I was forced to resign from the company in which I was a 50% shareholder, in order to secure the loan.As of today, Citi is still showing the balance due and multiple associated late payment marks. In his letter, Mr. XXXX  never mentioned receiving the payment of $XXXX on XX/XX/XXXX. Mr. XXXX also claimed that Citi had no record of any communications with me or of statements being returned. I cannot accept his claims since the company has an inability to even track my payment of the XX/XX/XXXX.It has now been approximately one year since I first notified Citibank of this troubling issue. My credit and business have been harmed and I would request that you assist me in dealing with this egregious lender. If the $XXXX is not corrected to be shown as paid and the derogatory marks removed, I will be forced to seek legal action.Kind regards,XXXX XXXX
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (WA)

I pulled my credit report via Experian recently and noticed that Experian has made approximately 219 soft inquiries from XX/XX/XXXX - XX/XX/XXXX to the file. Most of these inquiries are happening on a daily basis, I haven't given Experian permission to do this. I can only suspect that Experian is doing this illegally for a third party which doesn't have legal support for this invasion of privacy. I have previously had the City of XXXX XXXX XXXX and the State of Washington removed from criminal history on a background check furnished to my employer, because I found evidenced that proved that both of these gov entities were filing fraudulent FTA Warrants to invade my privacy ( after it was documented that I showed up to court and was refused a trial ). I suspect that Experian is invading my privacy for these two agencies in violation of Federal law, it would be my pleasure to provide Experian with the evidence of this federal crime should they admit that these are the third parties they are working for. There is no permissible purpose to inquire on someone's credit over 219 times, and pretty much on a daily basis. What should be looked at is City and State employee 's abusing their perceived authority in order to strip someone else of their freedom.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (CT)

I am writing to follow up on my dispute regarding certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the same hard inquiries that I know are inaccurate and should be removed.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately
Consumer complaint received 2022-08-31
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)

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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts 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