davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-10-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

There is a debt collection agency by the name of ( Vance And Huffman LLC ) that has been attempting to collect a debt from an original creditor ( XXXX  XXXX XXXX ) that was tied into a legal settlement under ( XXXX XXXX XXXX  ) involving a bankruptcy that was filed by the loan company as stated above. 

I have sent 2 letters to the debt collection agency named above informing them that they can no longer collect monies tied to the loan company for this debt due to an active bankruptcy and I also requested this debt agency to send validation of proof for any debt tied to this loan and the agency has failed to comply to the request and has allowed this debt to remain on my credit report which is a direct violation of the court case tied to this debt and also a violation under the laws regarding FDCPA. 

This agency has been very unprofessional and I am reaching out to the courts and attorneys to file a potential lawsuit against this agency for violating laws regarding the bankruptcy.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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.

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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-06-27
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NV)

The original debt was with Commenity bank XXXX XXXX XXXX XXXX XXXX and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to XXXX XXXX, it was charged off onXXXX and sold on XX/XX/XXXX to XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (LA)

We submitted a CFPB complaint regarding the status of our mortgage and the fact the we requested additional forbearance due to Hurricane Ida. Their response says " The above referenced account was previously under forbearance from XX/XX/XXXX through XX/XX/XXXX and again from XX/XX/XXXX through XX/XX/XXXX. If you wished to be reviewed for forbearance again you will need to contact the number listed below. The initial forbearance letter is enclosed. '' We requested an extension of the forbearance on XX/XX/XXXX ( as instructed by SLS ) and got a response on XX/XX/XXXX that the request was forwarded. Then we heard nothing back. When I called in to see the status the agent I spoke with made it sound like it was too late -- which made no sense to me. If this had been addressed correctly we would not be in this position. As a XXXX XXXX mortgage we are able to get 18 months of forbearance in total -- the additional 6 months is what we are asking for. This would move our payment due date from XX/XX/XXXX to XX/XX/XXXX. We will gladly pay the full amount from XXXX, XXXX, XXXX and XX/XX/XXXX to have our mortgage to be reinstated. All we ask is that SLS honor the timely forbearance extension request. I am attaching the letters.
Consumer complaint received 2023-08-14
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-27
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. (CO)

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. 

The letters are stated with items and issues. 

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 2022-09-06
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-30
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. (UT)

Experian received certified mail no. XXXX requesting that they retrieve the police report documentation from the XXXX XXXX police department report XXXX pertaining to the XXXX accounts. I have contacted the XXXX XXXX XXXX police department and they confirmed Experian never retrieved any documentation pertaining the fraud cause in regards to the XXXX. Instead Experian continues to report these accounts that were involved in fraud anyways. I demanded that is is their repsonbilltiy to retrieved the police reports under the law for them to do so and they have continued to do investigations without the police reports. They have failed to do 100 % accurate and 100 % verifiable investigation in regards to these XXXX accounts. I certified in my letters that I was the one writing my letters. They continue to not remove these fraudulent accounts from my credit profile. I am requesting for them to do business in good faith and remove these accounts promptly.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I was a victim of Equifax data breach and inaccurate information needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Case number XXXX XXXX XXXX billed on XX/XX/2023 for {$610.00}. 

Disputing {$500.00} since I didn't get receive the retouch service and the service promised on the date of contract or purchase. 

I received a letter saying One Capital has received your response to this request, it lacks all of the previously requested information needed to validate your claim on XX/XX/XXXX. 

Next day, I called them and asked what information they needed for dispute because it was not clear and last dispute I didn't have any problems. 

They told me to submit another statement and highlighted the contract part saying that retouch should be provided. 

Next day, I submitted my statement and the highlighted contract again.

Then, a few days later, I received a letter saying I submitted the dispute too late, after 2 billing cycles. I submitted my dispute before 2 billing cycles ended. So, this statement is incorrect and they took 2 weeks to send me a letter for my response. If one capital responded to my original dispute in XXXX quickly, I dont think we had a timeline problem. 

Therefore, I would like One Capital to refund my money.
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 2022-09-06
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-22
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: Kikoff Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has failed to remove account that are fraudulent I have send Police report and they have not complied with the fair credit acc. 
Account are as fallow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

I did a kitchen renovation through Lowes, and as part of that process, I signed up for a Lowes credit card ( through Synchrony ) because they offered a six month deferral on payment an interest for the renovation costs. In the meantime, I used the credit card for a few small purchases at Lowes stores. This last month, I paid the amount to cover the minimum payment on the deferred portion plus the entire amount to cover the in-store purchases. They did not credit the amount for the in-store purchases against those purchases though. They credited it against the deferred balance, so the amount for the in-store purchases accrued interest at a rate of 26.99 %, which came to {$44.00}. I contacted Lowes, but they refuse to credit the amount paid against the recent purchases and remove the interest charges.
Consumer complaint received 2023-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (VA)

Central Portfolio Control is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX  WV for the amount of {$580.00} as of XX/XX/XXXX. They say that the status had updated in XXXX of XXXX, however, when I had lived in XXXX WV, I was a XXXX  mother and me and my significant other at the time only had 1 vehicle in which he would take everyday to work, in PA. I have done the research and XXXX is XXXX and XXXX minutes ( the quickest way ) from where I had lived on XXXX XXXX in XXXX WV. I have been notified that social media sites are selling personal information, and I am most certain that my information was sold and/or stolen. The ONLY hospitals I ever frequented when I lived in WV were the XXXX I went to when I was pregnant. I started out at XXXX XXXX in Ohio as a family member worked there, but then later switched to XXXX XXXX XXXX in XXXX WV at XXXX weeks pregnant due to the fact it was closer and more convenient for us when I went into labor. I have contacted XXXX to place a fraud alert on my account and to dispute this twice now, once on my own and the second time today, XX/XX/XXXX, with a fraud department representative. This absolutely NOT my debt. I would have no reason to travel over XXXX to a hospital, especially without having a vehicle 98 % of the time.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I Have been a cardholder with Macy 's since XXXX and have always maintained a great relationship with them. I recently was informed that my account was shutdown XX/XX/XXXX for no apparent reason. I called to ask about my account status they told me I had XXXX balance and it was closed. Shortly after the phone call they sent me an email stating the closed account. This has affected my credit history and put me in a position where I can't get a house due to lack of history. They never gave me a notice what so ever.
Consumer complaint received 2022-10-17
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. (FL)

The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies XXXX Equifax XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name XXXX am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes