davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
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. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to Equifax and The Internal Revenue Service my personal information was exposed in both of their data breaches. Equifax, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (WA)

My payment due for this account : XXXX is on the XXXX of every month. My bank sent a payment on XX/XX/XXXX, and XX/XX/XXXX. Yamaha is attempting to charge late fees and is not honoring the XXXX XXXX XXXX of XXXX.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (FL)

I pay my credit card on time every month on the date or before. When I call and try to make a payment on time the rep. states I owe from prior month and expect me to pay double! I then give the name I spoke to and my confirmation number.. rep proceeds to say YES it shown you made payment!? but did not go through?? I stated to rep I never receive a VOICEMAIL EVER but get harassed with a text XXXX weeks after I make payment and expected to pay double the flowing month! ridiculous!!! I spoke to a very nice gentleman and told him my situation and stated your information is all in the computer and payment went through when he puts it in. He then apologize and said this shouldn't be happening all those month and proceeded to put in a complaint in for me and I have NOT HEARD FROM ANYONE! so, I try to make a payment on XX/XX/XXXX at XXXX XXXX  Florida time and she informed me that I had an outstanding balance of XXXX! again, I gave the name of the person and confirmation number from XX/XX/XXXX and she stated clearly! " yes it shows you paid on time but did not go through! '' I asked to speak to a supervisor and she did NOT want to do so. I hung up phone. here are the names and confirmation numbers XX/XX/XXXX with XXXX XXXX XXXX ) XXXX with XXXX at XXXX XXXX. ( XXXX ) XX/XX/XXXX with XXXX at XXXX ( XXXX ) XXXX XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX paying XXXX with XXXX- XX/XX/XXXX XXXX ( XXXX ) FYI.. I am no longer with REGIONS which I have been for almost 20 year! I bank elsewhere. Thank you!!
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (PA)

I was notified by XXXX XXXX on XX/XX/2022 that a credit report identified that someone opened a credit card using my social security number birth date with Genesis FS Services. 
In a conference call with XXXX and a representative from Genesis Fraud department, the Genesis representative confirmed a credit card was opened in my name on XX/XX/2022. The Genesis representative stated that I needed to file a report with the FTC to gain an affidavit noting the fraudulent activity and send the report to the Genesis Fraud department. According to the rep, the account had not been used yet so there is no balance.
Consumer complaint received 2023-06-07
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. 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 an 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 item 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 2023-06-07
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. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-13
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. (FL)

My name 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 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Consumer complaint received 2020-01-16
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. (PA)

I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of Equifax, XXXX, and XXXX.

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XX/XX/XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency.

Please help me correct these reportings. I was behind in my payments in XX/XX/XXXXdue to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due.

XXXX  does not respond and just sends form letters and adds comments stating verified by grantor.
Consumer complaint received 2020-01-16
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. (GA)

I have disputed the listed inquiries with Experience on several occasions and have not received any resolution. According to the Fair Credit Credit Reporting Act a consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  Cards XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : 0XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX   CardDate of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not owe the following collections and its been affecting my credit scorw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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. (CA)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 an 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 or 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 2020-01-08
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: HYUNDAI CAPITAL AMERICA (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

My identity was found on the dark web by someone who lives at XXXX XXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. All of my information including ss #, address, phone number, birth date, etc. 

I was just served paperwork from local magistrate from XXXX XXXX, XXXX, and that I owe over {$1000.00}. I don't have any accounts with this company. 

PLEASE HELP!!!!! I have reported this with the FTC, in XXXX {$2000.00} was taken from my checking account through XXXX XXXX XXXX and Experian is reporting debt I do not owe, and when challenged, they added smut to my report, refusing to acknowledge the report to FTC.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name 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 2024-03-16
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On, XX/XX/2022, I received a debit card from Bank of America with a different last name that is attached with my social, DOB, and physical address. I called XXXX  fraud dept to let them know this isnt me. I do not bank with them. XXXX  refused to give me any information. The representative closed the acct, gave me a confirmation # and advise I contact the credit bureau and the SSA. I asked if I could contact the FTC. XXXX didnt understand what I was asking. A picture ID is required to open an acct, and this information isnt available. 
Is this XXXX XXXX again but under a different entity?
Consumer complaint received 2023-06-07
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

called and told XXXX XXXX i was moving back in XX/XX/2019 and turned my equipment in they told me i was not on contract and everything was okay and they will cancel my service i noticed a bill in XX/XX/XXXXfor {$500.00}. i called them and and paid. now I have bill collectors harassing me for service i never got.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (CA)

I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report.

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response.