davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP (ID)

XX/XX/18 My payment was due Saturday, XX/XX/XXXX. I was unable to make my payment that day due to out of town camping. Sunday and Monday ( XXXX XXXX Holiday ) business was closed. A close friend of mine received a phone call XX/XX/18 from XXXX XXXX/Security Finace, stating I was behind on my loan giving out my information and details about my loan, technically after being only 1 day late! This is not the first time they have given out my loan information to a person over the phone. When I called, the lady was very rude and started making threats over a payment that was 1 business day late!
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (PA)

I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, XXXX and Equifax. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to XXXX and Equifax. via certified in regard to the inaccurate information and how XXXX and Equifax did not do a proper Investigative Consumer report. I do not recall that XXXX and Equifax. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since XXXX and Equifax. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.
Consumer complaint received 2021-07-30
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: Southwest Credit Systems, L.P. (PA)

On XX/XX/2020 a collection letter was sent to me by Southwest Credit Systems add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Southwest credit systems has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Consumer complaint received 2023-01-23
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. (MD)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The disputed items do not belong to me and needed much attention for their erroneous status. 

Here are the Items that needed removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/20XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.
Consumer complaint received 2021-07-28
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. (SC)

Two medical bills showed up on my credit. 
XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$830.00} I only goto the Dr in my hometown and this isnt it. I have tried to dispute this but its still on there. Its the only thing plaguing my credit and I want it removed. I have also called before about this account but I just got the run around.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to GE Capital on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.
Consumer complaint received 2021-07-30
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. (TX)

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (MD)

On Friday XX/XX/XXXX {$8700.00} was deposited into my account to buy a car. The money was in my account clear. The car company went to charge for the full amount it was declined. They then tried to charge my card for half the amount which was declined. Citibank then takes upon themselves to debit {$4900.00} to the company but no release the funds so they could receive them. They refused to release the funds or the rest of the money to make the transaction go through. I still have not been able to get the car my account is locked with over XXXX in it and Im just not hearing its due to a XXXX a day spending limit I never agreed to that no one will raise. I expressed to multiple that I would stranded behind this matter today and no one would help me resolve it. In fact they stopped answering my calls abs when they did they put me on hold and never came back to the phone. Citibank is terrible. I wouldnt do that to any enemy let alone a customer. They left me stranded and have my money locked. I cant get a rental car food nothing.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERVICE plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$810.00}
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (SC)

Hello, my name is XXXX XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing issue of fraudulent items persistently appearing despite numerous attempts to remove them. This matter has caused significant inconvenience and financial loss, and I feel compelled to bring it to your attention for urgent resolution. 

Despite repeated efforts on my part to address these fraudulent items, they continue to surface, creating not only a sense of vulnerability but also undermining trust in the system. It is evident that the current measures in place are insufficient to prevent the recurrence of such incidents. 

As a responsible consumer, I have diligently followed the necessary procedures to report and remove these items, expecting a prompt and effective response. However, the persistence of these fraudulent activities suggests a systemic failure that requires immediate attention and remedial action. 

I urge you to conduct a thorough investigation into the root causes of this issue and implement robust measures to prevent its recurrence. Furthermore, I request transparent communication regarding the steps being taken to address this matter and restore confidence in the system. 

Additionally, I seek compensation for the losses incurred as a result of these fraudulent transactions and the inconvenience caused by the repeated attempts to rectify the situation. It is essential that appropriate restitution is provided to mitigate the financial impact and restore trust in your services. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Cedars Business Services, LLC (CA)

My XXXX  credit report is in their special handling department. As a result of being in this department that do not allow me online access to my report. There is no direct number to this department, which is the only department that has access to my credit report at XXXX. They say this is for my protection, which makes no sense because everyone but me who requests my credit report is able to get a copy. I am only able to get a copy of my report through third party reporting agencies. Not to mention they are continuing to report a fraudulent account by cedar business services when they have knowledge that the information is false. XXXX  refuses to take my account out of this department that is very hard to get in touch with. It takes hours for me to get to this department, if I am able to get to it all, and after being transferred several times and being asked hundreds of questions by each representative that I am transferred to. I have been told by XXXX  that my account will be in this department for the rest of my life.
Consumer complaint received 2021-07-30
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: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/21 I called Navy Federal to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the reporting of inquiries that I have attached to the complaint.
Consumer complaint received 2021-07-30
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: Bread Financial Holdings, Inc. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX/XXXX  Balance $ XXXX-Date Opened : XX/XX/2015 XXXX
Consumer complaint received 2021-07-30
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)

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " XXXX XXXX '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted XXXX XXXX they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.
Consumer complaint received 2024-03-19
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. (TX)

I didnt apply or give written consent for these accounts. They are violating my consumer rights and causing defamation of character and my public appearance. 

These accounts are a violation under 15 USC 1681b. In accordance to 15 USC1681c-1 and 15 USC 1681c-2 these accounts are identity theft and need to be deleted from my consumer report. SEE ATTACHMENTS
Consumer complaint received 2022-01-01
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. (OH)

I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXVA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Contacted Equifax on XX/XX/21 spoke with XXXX. He gave me case # XXXX in regards to me not being able to file online dispute thru Equifax website as it states I have disputes already pending. I have no disputes pending. XXXX stated I would be emailed 48 to 72 hours on the results and with the issue fixed. As of XX/XX/21 no email from Equifax. I called Equifax on XX/XX/21 spoke to XXXX and explained my situation and gave XXXX the case # and she said she could not help with the case # and Equifax does not give time frames and issues from Equifax web site and placed me on hold in which I was disconnected. In both phone calls both representatives were rude and condescending and did not want to help. I asked XXXX to speak to a manager in which she stated she is as high up as I was going to get. When I informed XXXX I would contact the Consumer Financial Protection Bereau she laugh and said go ahead they cant do anything. I find this type of service I received beyond words and feel as a consumer I have rights to be able to go and dispute what is not accurate in my credit report per the Fair Credit Reporting Act. I feel as though I have not been treated fairly by Equifax representatives.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IN)

Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (TX)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-28
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX  XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED
Consumer complaint received 2019-12-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTIONS ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1100.00} -This is not my account.