davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (MI)

I have unauthorized inquires on my XXXX XXXX credit report I never filed for I went to the dealership to apply for a car and they ran my credit multiple times with different companies that I told them not to do only XXXX XXXX I told them and only once.They didnt have my permission to do other wise.I told them only run it through one bank. I reached out to companies and credit bureau and they wont help situation these things are stopping my credit from elevating and getting my first home thats stressing me out The hard inquires are 1.XXXX XXXX  XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX. XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquire date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX Also I have a collection account with XXXX  which I never had before on my Equifax.The company and Equifax keep taking it off my credit but now are adding it back and updating when I opened the account to recently this year and on my birthday XXXX XXXX I know which is completely violating my rights according to the FCRA laws with unverified and unauthorized use without contacting me.
Consumer complaint received 2022-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit reporting act XXXX  account XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2022-05-17
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. (OH)

Ive noticed some unauthorized and unverified inquiries on my credit report according to the FCRA these inquiries are unauthorized and unverified I would like them to be removed from my credit report.
Consumer complaint received 2023-06-12
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. (CA)

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

XXXX XXXX  XXXXBalance Owed : {$15000.00}.
Consumer complaint received 2022-05-17
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. (GA)

On XX/XX/2022, I pulled my consumer reports and found that Equifax is not following ALL the proper procedures to make sure that the information contained within my report is 100 % accurate. They are required by the FCRA to provide me as a consumer with the " creditor 's '' FULL information so that I may reach out to them shall I need to file a dispute. Well, upon checking... there is an account negatively reporting on my Equifax report that I have never heard of and Equifax does not even have this company 's information on the report for me to reach out to them. This is a VIOLATION. The company name is listed under XXXX.XXXX  account # XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (TX)

Back in XXXX me and a couple of our friends was out in the town when i lost my wallet. I now have a collection on my credit stating i owe money to some apartments i never lived in. I also have proof of the lease where I resided when the fraud happened.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

For years I have repeatedly tried to update my personal information with the company. They have repeatedly misspelled and use different names to LINK erroneous, fraudulent accounts to me. Recently, I have been called by XXXX XXXX XXXX. This name was used to manipulate, switch addresses and LINK accounts to me. When I call and give them my correct information they use it to LINK the account to me, instead of removing the ERRONEOUS information. There are 2 other people in my state with the same name and year of birth. When I mail them proper documentation ( ID, Social Security card ) they lie and say they never received the information. Every piece of documentation Ive ever sent has been by certified mail so I have the dates. This company lies puts fraudulent/erroneous information on reports for profit. Collection companies then extort people for money because people have no other option. Ive seen multiple addresses, phone numbers and names used to fraudulently link accounts to my name. Ive also sent them court cases in which erroneous accounts were thrown out because a judge found that the information was erroneously being attached to me. I have provided the court information and a copy of my Social Security card and ID. 

What I realize is these companies try to get you on the phone to GATHER information from you. They then use the information to change it on your credit report and do so-called updates. Their goal is to find a way to LINK information to you, even if it isnt yours because thats how they make money. What is going on is criminal and these credit bureaus are in place to EXTORT money from people, not to report fair and accurate information. 

Ive been unemployed for 4 years and have done odd jobs because of this treatment. 

Erroneous accounts : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XX/XX/XXXX, MY CHECKING ACCOUNT WAS DEBITED XXXX BY A MERCHANT NAMED XXXX XXXX XXXX I 'VE NEVER DONE ANY BUSINESS WITH NOR DO I KNOW WHO THIS MERCHANT IS. I DISPUTED THE TRANSACTION WITH MY BANK AND THEY TEMPORARAILY CREDITED ME BACK THE XXXX ONLY TO TAKE THE MONEY BACK ON XX/XX/XXXX ALLEGING THAT THE MERCHANT PROVIDED THEM WITH DOCUMENTATION WHICH IS FALSE AND BOGUS. I 'M EXTREMELY UPSET BY THIS INCIDENT AND I WANT THE MATTER INVESTIGATED IMMEDIATELY.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$6900.00} , XXXX XXXX XXXX XXXX Balance : {$1200.00} , XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (GA)

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. 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 2022-05-17
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 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 XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (CA)

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  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 2022-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have done my due diligence to get this debt validated and to no avail. I do not have a contract with portfolio recovery. In XXXX of XXXX  I filed a complaint and they responded that they will look into and it is now XXXX and nothing has been done. Therefore this account should be removed immediately from my credit report. All of the information listed on my credit has been altered and is incorrect. They are in direct violation of section 809 of the FDCPA and if the proper resolution is not rendered I will have to move foward with legal counsel.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. 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 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 2022-05-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (LA)

Spoke to loan officer at First Horizon Bank about two outstanding mortgage cancellations from two acquisitions they acquired Iberia Bank and XXXX Bank that needed to be closed out both were paid off XXXX years ago. One was filed XXXX no XXXX XXXX from Iberia Bank by deputy clerk and the other XXXX no XXXX XXXX by XXXX XXXX XXXX 
Both are XXXX balance and we need an original cancellation notification in order to file it at the courthouse. Its been since XX/XX/XXXX when I first approached the bank in our local area XXXX XXXX in XXXXXXXX XXXX  to help us resolve this issue. Its now XX/XX/XXXX several weeks after and still we have not received any paperwork, I just left the courthouse this morning and they have no paperwork went back to the bank local and he called their corporate office and spoke to XXXX who was supposedly handling it and she said she used a 3rd party company to get it to the courthouse. This is now costing money every day as we are trying to help my daughter and husband and family purchase a home here. Hes in XXXX working and it has been very frustrating to get things moving forward without this paperwork sent to the courthouse are even to us as owners. Please help us resolve this issue so we can get this recorded, so that our lawyer can finalize this transaction for our mortgages that have been paid in full for XXXX years please.
Consumer complaint received 2024-02-19
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. (CA)

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 Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Please Help! I have contacted XXXX on XX/XX/2022 in regards to a fraudulent bankruptcy case XXXX that XXXX provided to the consumer reporting agency. The agent stated that they was a dispute in process and to call back on XX/XX/2022 to get the results. I called back XXXX XXXX the agent told me that the Bankruptcy case XXXX has been remove from their database. I was placed on hold after I told them their duties of the law. I was hung up on and this is stressing me out. XXXX continues to break the law. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. XXXX continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2022-05-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (GA)

Threatening emails concerning money never loaned to me from scamers. Company name used is Speedy Cash and they don't loan money to people in Georgia. They are aware of scams & told me to ignore, which I have. I received first email from XXXX XXXX & second today from XXXX XXXX but I am sure that is not their real names. attempted to forward to your given email site XXXX but they would not forward.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX and or TransUnion hasnt reported my credit card with XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} and {$0.00} balance carried monthly in over a year. Attached is proof
Consumer complaint received 2022-05-17
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. (FL)

Over the past 8months I have contacted this credit bureau and disputed that a XXXX  XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX  XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXX  XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over 8 months they reported that they contacted the creditor and that the creditor had verified the information and this was a BIG LIE. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One - An application was open for a credit card, which i did not do. 

XXXX  XXXX ( Credit card ) - all personal account information on account was changes. received another notice of an authorized user was approved on this account. Criminal also made purchases prior to me closing out the account XXXX  - all personal account information was changed, and new card issued out to address, which I did not do. 

XXXX XXXX  ( Credit card ) - all personal account information was changed, and new card issued out to address, which I did not do.
Consumer complaint received 2016-06-26
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. 
On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. 
I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (AZ)

Around XX/XX/2020 I paid off my second auto loan with XXXX XXXX XXXX XXXX in a one year 's time I paid off two car loans one for around {$8000.00} and another one for around XXXX when I paid off the loan for {$12000.00} I still owe like {$3500.00} I paid that {$3500.00} and I asked experience if they get updated after 30 days had passed instead of updating it they took it off my credit report now XXXX XXXX XXXX XXXX and our Experian one of them refused to place the paid auto loan back on my credit report and it dropped my score almost 100 points
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (OH)

I filed for bankruptcy 12 years ago that was discharge and XXXX/ XXXX XXXX XXXX transferred the loan to RCS ( Residential Credit Service ) and they are now reporting on my credit report and calling for payment.
Consumer complaint received 2021-11-08
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. (TN)

On XX/XX/XXXX I sent a letter to Experian to ask that they verify a collection on my credit report that I am not familiar with. The account was with XXXX XXXX XXXX XXXX .... Experian said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing Experian another letter and also a letter to XXXX to verify and validate this debt