davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (LA)

N Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 States I have The Right to Privacy. 

15 U.S.C Section 604 Section2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without my Written Instructions.
Consumer complaint received 2019-07-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (IN)

I applied for a refinance mortgage with cross country mortgage in XX/XX/XXXXof 2019 and it is the last week of XX/XX/XXXXand I still do not have an answer about my account, I have tried contacting the company and they refuse to take a phone call and or answer an email, I have since switched financial companies and they have contacted cross country mortgage to get my account numbers and everything switched into there name as so far they have refused to do so.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-05-20
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. (LA)

N Accordance with the Fair Credit Reporting Act XXXX  Account # s & Names 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 States I have The Right to Privacy.

15 U.S.C Section 604 Section2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without my Written Instructions.
Consumer complaint received 2021-11-15
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. (DC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$1400.00} XXXX/XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$90.00}
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence Resource Management reported a collection on my credit report in XX/XX/2021. Credence never reached out to me about this. I found out my checking my credit report. This debt is not mine so I disputed it on XXXX as soon as I found out, in XX/XX/2021. In XX/XX/2021, Credence changed the debt collection date from XX/XX/2021 to XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I mailed Credence a debt verification letter, to verify information about said collection. It has been over 30 days with no response from Credence. So now, XX/XX/2021, I am requiring this false collection to be removed from my credit report.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Opened account in XX/XX/2019 at local U.S. Bank branch. 
Did not at any time select or opt in to overdraft protection. 
XX/XX/2019 - charged 2 overdraft fees XX/XX/2019 - charged 3 overdraft fees Charged 5 overdraft fees for 3 transactions that caused an overdraft yet never selected or chose overdraft protection.
Consumer complaint received 2022-05-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX  XXXX {$62.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$90.00}
Consumer complaint received 2021-11-15
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. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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. The Equifax Credit Bureau did not comply 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 willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX/XXXX  Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020
Consumer complaint received 2022-07-23
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 Account 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 instruction
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (MO)

In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX  . 

I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. 

XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. 

They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA .

NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I did not authorize XXXX XXXX XXXX  XXXX XXXX to do a hard inquire on XX/XX/. I think this may be fraud. I want this removed from my credit report. I attached the fraud report.
Consumer complaint received 2024-05-09
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. (TX)

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. XXXX- {$3600.00} XXXX. XXXX- {$3500.00} XXXX. XXXX- {$2200.00} XXXX. XXXX- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by XXXX. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. XXXX removed the fraudulent accounts. However, TransUnion and XXXX have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with XXXX. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (FL)

LOBEL FINANCIAL ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. 
WHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

Today I received an email from Synchrony stating that my application was denied due to the a credit freeze on my XXXX account. I confirmed that my credit report was unfrozen before I applied for a credit card with Care Credit, in which Synchrony is the finance company. I then called XXXX and they also confirmed that my credit report wasn't locked or from. The representative advised that I call Synchrony back and tell them to reach out to XXXX XXXX Department of XXXX. I also tried to apply again per letter and I keep getting an error. 

I hung up and called Synchrony back and spoke to XXXX, I asked her to connect me to a supervisor. She asked me for some information to verify me. I advised to her that I applied for a Care Credit card on XX/XX/22 and called in and was told I was declined. I advised that I inquired why and was told that they pulled my XXXX report and I was declined. 

Here 's where the disbelief comes into place. I don't have any inquiries from this company on top of I have a XXXX credit score with XXXX with no delinquencies and the last time I applied for credit was last year XXXX. So XXXX stated that they were able to pull my credit report and I stated well this letter came today and stated otherwise. She stated that I'll be receiving another letter. Again I don't believe it because I have no inquiry from this company and XXXX also stated that they never pulled my credit report. 

Please look at the attached proof.
Consumer complaint received 2022-10-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-10-05
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-05-20
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. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2021-11-15
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (NC)

I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. 
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. 
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.