davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (MI)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the equifax data breach and that my identity was compromised, used, and found on XXXX sites across the dark web and that I have filed identity theft with the XXXX & cfpb & they still have not corrected these unlawful errors.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I as a consumer have the right to privacy and Experian has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Experian was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Also, update the following accurate personal information to my credit report ;
Consumer complaint received 2024-03-21
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. (NC)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

I obtained a loan during the first financial crisis in 2007 for my first mortgage. It was a predatory loan, I was told I needed a primary loan ( 1st ) and a line of credit ( 2nd ) for 100 % financing option. I had the loan since 2007 with no issues. Although I know this was a predatory loan with an super high interest rate, I wanted to keep to my commitment and agreement so I did not challenge any of the circumstances. The loan was sold off several times until I was in the hands of Specialized Loan Servicing. I received a notice from Specialized Loan Servicing that my payments will be going from interest only to principal & Interest and that they wanted me to sign a " modification '' so I can only be on interest only. I thought this was only beneficial to Specialized Loan Servicing and after 10 years of paying Interest only as agreed, I was excited to see my principle go down so I declined this offer they Specialized Loan Servicing Sent to my house almost every week. ( They were sending me certify mail with A Pre Approval almost every week ). I received a credit notice from my bank for a negative credit inquiry which was shocking. Specialized Loan Servicing reported to the Credit Agency. I have never had a late payment my whole adult life and now all of the sudden I had 31 which was mind blowing. My credit was ruined. I called Specialized Loan Servicing and was told essentially that this was due to me not signing the modification. I asked for help and was diverted from any type of assistance that would help me. I asked for the original documents I signed so i can review the terms or have an attorney review them and til this day I have received nothing. I pleaded for direct help over and over again with someone in leadership who can help me and was denied. I offered to show bank Statements with proof of payments made to them and was not helped. I asked more then a dozen times to speak to a manager who can help me. I wanted to meet my obligation for my debt and get a clear understanding of what was and has happened and was denied this bare ask from Specialized Loan Servicing. 
This was an extreme retaliatory doing by Specialized Loan Servicing for not taking the offer they gave me in paying interest only to principle & Interest payments. They ruined my credit and attached 31 late payments to my credit report. Please Help Me!
Consumer complaint received 2022-11-25
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)

My name 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 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 2023-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio (CA)

I've called and was told that the debt was a different amount and asked that they provide the correct documents. Was put on hold and once I turned on my voice memos and was then hung up on. Called back and an XXXX XXXX male by the name of XXXX XXXX got on the line and I informed him that I would be recording this call for my protection as well and began to explain the reason of my call and was cut off my XXXX XXXX and he stated that this is XXXX XXXX and you filed a complaint with the CFPB. I said to XXXX XXXX to please not cut me off and let me explain the reason for my call and then he continued to cut me off and became very hostile and said that I can not record him. I explained to him that I'm recording for my own self as protection as well. I asked for all the documents that shows the amount that was owed, proof of debt, leasing agreement with my signature, bank statements that XXXX XXXX stated that he has. He would not stop talking as I continued to ask for these and stated that he was going to play back the call so he can prove of things that I said to prove that I was incorrect in what I was asking. I asked multiple times to play the recording and he continued to try and get me to become aggressive as he stated that he would disconnect the call. He also stated that he would contact my local police department for harassments as I stated that I would call back if his disconnected the as I looking for their burden of proof to provide accurate paperwork of the debt. I asked him to send this to my current email address and he stated that " oh now you are using different email. As if this is a crime and he began to become aggressive and I stated to him that he needs to watch his tone. Called back and was placed on hold and then XXXX XXXX and he then stated that he if he would've had more respect for me and handle the call differently because he comes from a family of vets. So he is also showing bias with the people he is trying to collect from. I was told that he was going to block my number and I would not be able to call and if this is the case, then this needs to be removed.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Tried to update inaccurate personal information such as my address and other credit bureau has updated as such. Except for Equifax. Kept refusing upon me sending proof with correct address. I express that information was inaccurate for address on file they sent me mail at the correct address but still have inaccurate information on my profile. 
I called back in XXXX also sent proof for information to do so with no avail nothing has been updated.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-03-02
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)

My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sequium Asset Solutions, LLC (CO)

The law firm a corporation had an account with XXXX. There were billing and service issues. As such a final statement was disputed. XXXX then hired a collection agency XXXX XXXX to collect against my personal self and not the company. I disputed the debt and demanded no further contact. XXXX then hired Sequium Asset Solutions , LLC to collect against my personal self. Again I forward a dispute with a no contact demand and a copy of the prior letter.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I opened my US Bank checking account on XX/XX/23 using US Bank 's checking account bonus promo code ( XXXX ). The promotion stated that when you have made direct deposits totaling {$6000.00} or more within 90 days of opening the account, the account holder will receive a {$400.00} checking account bonus. I met the requirements by XX/XX/23, but as of XX/XX/23, I have not yet received the checking account bonus. 

I called the US Bank customer service representative today who said that she was unfamiliar with a checking account bonus and proceeded to transfer me to a closed department. This experience has left me feeling frustrated and concerned.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.
Consumer complaint received 2022-01-02
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. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my Experian consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Experian. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Experian sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Experian an identity theft report via USPS certified mail. Is Experian above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Experian humiliated me to the public and damaged my reputation. Experian decreased my score because of those inquiries that have no connection to me. If Experian can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to XXXX XXXX XXXX XXXX because of the fraudulent activity that Experian let concur on my consumer report. Experian stole my identity and sold my private information without prior consent. Where is my right to privacy?
Consumer complaint received 2023-05-20
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. (NY)

I have been requesting Equifax to fix inaccurate information on my credit report since 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 and XX/XX/XXXX. XXXX response, Each time you response with " Verified ''. You continue to fail to investigate time and time again. You are reporting accounts that are not accurate and I have already made you aware of it and you continue to report it, that you are defaming my name.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

XXXXXXXX XXXX has an open amount on my credit report exceeding {$20000.00} from ... ... XXXX 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
Consumer complaint received 2022-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (FL)

I have a collection account negatively affecting my XXXX Credit Report, this account was paid by my Insurance, and I have a copy of the claim paid to my Insurance I already talked to the original Creditor and they recognized that the account was paid in full, The Credit Bureau made an investigation and the Collection Company reported this account as Accurate I need to remove it, please help me, I have a proof that this claim was paid
Consumer complaint received 2023-02-06
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. (MD)

XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my credit score. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my credit score without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

Hi, I have an Apple Card that I use to pay for XXXX related products for the Interest free installment plans. Well I noticed that I was charged interest in XXXX and XXXX and tried to speak to someone who could not tell me why. I am asking for help in getting the answer as I can see my payments have been more than what is owed on the date the payment is due for installments that are supposed to be interest free for well over the time I'm paying these things.