davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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. (IA)

To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RSVP Lending, LLC dba RSVP Loans (CA)

Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX RSVP loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report
Consumer complaint received 2022-12-29
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely XXXX  up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of XXXX  to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he is working for XXXX which involved me making deposits for a total amount of XXXX ETH from my Gemini account to a fraudulent investment firm ( s ).
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (FL)

Was diagnosed with XXXX XXXX and lost my ability to work. Requested a payment deferral to be able to catch up with my loan. Filed for social security XXXX support and waiting on my Stimulus to be able to catch up and bring my account current. i was denied and threatened to lose my vehicle. I'm only asking for some time nothing else
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (FL)

I disputed these and the results came back as, " Updated '' when in fact they were not. 
1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( 2 accounts ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (FL)

I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information. theses Account are fraud i did not authorize anyone or any company to  open these accounts i want them removed from my credit files Thank you.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (DE)

XXXX called and I answered. They identified as debt collection for my daughter. I have repeatedly told these people that my daughter does not live with me and I am not responsible for her financial situation. I have also told them I am on Don not call and asked them to stop calling me and remove my name from their list.

They are not respecting me and I have tried blocking numbers only to have them call back on a new number.

I have complained several times to you and filed at least XXXX complaints. Nothing gets done. 
Please help resolve this.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I had a checking account with Citizens Bank and owed a balance of {$2400.00}. What originally happened was my checks were stolen and someone made unauthorized charges on my account. I tried several times to get it cleared up but for some reason nothing was ever done. So because it was giving me bad credit I just decided to pay it off. I received a letter from an collection agency and was offered {$360.00} to have the account paid in full. This was paid back on XX/XX/20 for account ending in XXXX. 
They still were reporting incorrect information so I disputed this last year but it seems there if some things that should be removed. For instance on XXXX it shows charge off for Current payment status and worse payment status. The letter I received from Citizens Bank, which I attached states they would change this to XXXX in full which is not the case. XXXX  says the same thing for current payment status not sure about XXXX. Plus not even sure why it still needs to say charge off when it has been paid in full.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, 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. (AZ)

I requested my annual free credit report, Transunion, XXXX, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (CA)

On XX/XX/XXXX, I contacted Bright Lending to verify through a three-way call to my financial institution that my loan had posted and paid in full. 
The agent ( XXXX ) noted the account and proceeded to update my account at Bright Lending so that I may take out a new loan. 
( This would be my fifth loan as I have paid in full, four previous loans since XX/XX/XXXX ). 
I was told to proceed online and call them if I had any questions or issues. 
Upon submitting " Complete My Application '' I was given a screen result of : Please email your Driver Licence, State ID or Passport and email to support@brightlending.com '' before being able to move forward with the application. 
I called Bright Lending ( BL ) once again and was told by a Supervisor that [ due to the coronavirus, we are asking for this form of ID in order to proceed with our returning customers ]. I asked what the privacy disclosures were given that the prior agent that I spoke to did not disclose this information neither is it expressly stated on your website. I also asked : How can you assure me of my identity being safeguarded if you have agents that are working remotely from home? The response was [ Your email gets sent to a department within their " tribal facility '' .... somewhere of which I was not made aware through an Agent 's Name/Supervisor or direct phone number extension. 
Thirdly, I asked : Do you use encryption methods on your email or site for that matter that will safeguard my identity? I was not given any further details other than I do not know and I would have to further ask another department/supervisor for this information. [ sic ] Now, the danger of this deceptive practice is : The customer is giving consent to not being assured that their identity is not being viewed by others, disseminated for unwanted third-party telemarketing or selling of your information and most importantly, that your information is being harvested by any employees and affiliates on the internet. I was told that my ID can stay on their records for 5-7 years. I believe Bright Lending is engaging in illegal business practices that are not being told/informed in a Truthful manner. There is a very fine print in which they state they do not guarantee that your privacy is completely private. However, not stating nor informing their so-called Covid-related business practice has to be a violation of my privacy and consumer rights. At XXXX XXXX  XX/XX/XXXX PST, I have finally received an email from BL, that my application for a loan has been withdrawn. However, I still believe this business engages in deceitful business practice at the expense of one 's personal and confidential identity.
Consumer complaint received 2021-03-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

They said the bankruptcy on my report is accurate. There are no proofs that the court verifies it. I am asking for a documentation from the court not third party. I have a documentation from the court that says that they don't report to credit reporting agency. Then how it is verified.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I applied for mortgage help on XX/XX/XXXX, SPS servicing continues to request the same documents on several occasion, I contact them to inform them the docs have been submitted and then SPS claims the application can not be processed until the documents are provided
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I need help with this company. They are not responding to any of my request and there is no proof of knowledge of this account being mine and I have asked the credit bureaus for assistance to no avail. I have requested debt validations and sent it certified mail return receipt with signature required and they have violated all consumer laws by reporting this account. I would like them to provide proof of this debt and want the name and address and phone number and email of whoever allegedly validated this account. Thank you in advance for your assistance.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2021-03-22
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. (NJ)

i just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card
Consumer complaint received 2021-03-22
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)

I sent a notarized Affidavit of Fact on XX/XX/21. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card XXXX my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX XXXX the Federally Protected Consumer did not give permission orally, written, or any other way to list these items on my credit report or credit file. Affidavit of Fact along with Exhibits will be included in the files.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

The FDIC closed Washington Mutual Bank. 

I needed to stop paying my Washington Mutual Bank loan because of the halting of federal dollars for highway design engineering projects. I am a civil/highway engineer. 

I am NJ XXXX XXXX. My case was dismissed. 

The writ of execution was issued by the US courts sending my foreclosure into a Sheriff 's sale. 


My home was sold at a Sheriff 's sale to a third party. The Writ of Possession for the Sheriff 's deed was returned unexecuted. 


The XXXX County Clerk 's office in New Jersey filed the Sheriff 's deed. The property was sold for a profit. 


XXXXXXXX XXXX  executed a XXXX XXXX XXXX mortgage on a property where the Writ of Possession was returned unexecuted. The XXXX County Clerk 's office in New Jersey filed the new property deed and the XXXX XXXX mortgage.
Consumer complaint received 2022-12-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

During the XXXX of XX/XX/2020 I was unable to log into Website or app link and could not make my payment. I tried on numerous occasions to log into account to pay XXXX but kept getting log in access error which said " The information you entered does not match our records " followed by a link to " forgot username or password ''. Following the link leads to the account recovery page, after attempting to recover account i got the error which read " The information you entered does not match our records. Please confirm all information is accurate and try again ''. I went through these steps every few days for XXXX weeks until the issue was finally corrected and the account was accessible in early XXXX and Payment was made. Due to these issues with the account Comenity Capital Bank XXXX a 30 day late payment on my credit report then subsequently a few months later denied a request for credit increase due to my credit report showing a " late payment ''. Due to XXXX quarantine for exposure i was not able to go get a money order to pay this payment and the Failure of their website design, account access portals for multiple account types that are not linked to the same account is harmful for consumers like myself. Due to this failure my credit was and is negatively affected which has caused me to be denied for credit increases with XXXX current creditors and a Mortgage loan with all denials citing " recent late payment on credit report ''.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my frustration regarding the lack of action taken after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I am unable to obtain the necessary assistance or response from the credit reporting oversight companies. If no action is taken promptly, I will be forced to take legal action.