davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (IL)

Someone got a hold of my XXXX XXXX  checking account in XXXX, charging varies items from XXXX. XXXX XXXX  kicked back the charges because of proven fraudulent activities. I received multiple inquire alerts requesting products in my name in XXXX and XXXX. I spoken to XXXX on multiple occasions and they keep referring me to the credit bureaus to fix the issue. I contacted Equifax on many occasions, however until recently, I was told to make a CFPB report and send it to Equifax along with identifying information.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2022-12-19
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. (MN)

The following accounts on my XXXX and Experian credit report was reported as lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX XXXX XXXX XXXX XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX XXXX XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my XXXX credit report is fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX {$130.00} XXXX  XXXX {$60.00} XXXX  XXXX {$73.00} XXXX   XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX   XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX   XXXX {$790.00}
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding LLC placed a collection and charge off on my XXXX XXXX and XXXX credit reports and its reporting as both and I know that its not supposed to be like that. They did not provide the proof of debt and original documents that I owe and Ive requested this information numerous of times. In addition to, on XXXX and XXXX it reads as Open and XXXX the account reads closed which means that it is reporting inaccurately. And according to the FCRA items are to report the same across each bureau or it has to be removed.
Consumer complaint received 2022-12-19
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. (MN)

Attached to this complaint is a letter from XXXX XXXX for Trans Union, XXXX, and XXXX review. XXXX XXXX was unable to verify the accuracy of bankruptcy case number XXXX. XXXX XXXX is requesting for Trans Union, XXXX, and XXXX to immediately review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my Trans Union, XXXX, and XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting 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)

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Consumer complaint received 2022-12-19
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (WI)

I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TN)

I noticed a new collection on my report as of XX/XX/2022 for a collection that is already being collected by XXXX XXXX for the same amount from the same creditor. I contacted the credit and also disputed the debt due to duplication and not receiving notifications about the debt in order to dispute it. So far I have not received any communication written, email, or any other type including phone calls regarding the debt. The company without any warning placed a collection on my credit without notifying me.
Consumer complaint received 2023-06-24
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. (VA)

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX TransUnion XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : USAA FERDERAL SAVINGS BANK XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (NJ)

I am writing to address the unresolved issue concerning unauthorized hard inquiries that persist on my credit report. Despite my initial dispute via mail, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of these unwarranted inquiries from my credit profile. 
-- -- -XXXX  XXXX -- - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- XXXX - XXXX  - XX/XX/XXXX Equifax
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I XXXX XXXX have disputed this debt on my credit report with the company enhanced recovery company. The company went through the investigation and promised to remove debt from credit report & did remove the debt from my report however the debt has returned and this is not my debt.
Consumer complaint received 2022-09-13
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. (NY)

I see a XXXX  XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX XXXX XXXX. Thus the account doesn't not belong to me.
Consumer complaint received 2022-09-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed nor did you send me anything, you seem to be ignoring my request and this is a violation of my right as a consumer. I sent the letter on XX/XX/2022, but it's been over a month now and I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to take legal complaint should you continue your negligence.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

1 ) The mortgage servicer Carrington Mortgage Services , LLC has denied the review of Mortgage Assistance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2 ) Carrington Mortgage Services , LLC states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Carrington Mortgage Services , LLC has not provided any evidence of this, other than verbal communication. 

3 ) Carrington Mortgage Services , LLC then stated that they would assistance and review any Loss Mitigation Assistance options.

4 ) Carrington Mortgage Services , LLC has instead set a sale date of XX/XX/XXXX Carrington Mortgage Services , LLC plans on proceeding with the foreclosure sale, rather than review our RMA application. 

5 ) The actions of Carrington Mortgage Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Carrington Mortgage Services , LLC violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX XXXX XXXX XXXX XXXX by not accepting said RMA application. 

6 ) This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Consumer complaint received 2022-12-19
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/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
Consumer complaint received 2020-02-14
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. (OH)

HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

MIDWST RCVRY OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}
Consumer complaint received 2022-10-13
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : 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 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 buy more than XXXX years. 

15 USC 1681 S-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 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I booked a flight using Capital One credit over Capital One Travel Portal for my wife, my daughter and I from XXXX to XXXX. Within 24hrs of booking this flight, I approached to airline and Capital One travel center but both of them denied cancelling and issuing full refund. Both told me that the type of ticket I selected couldn't be cancelled, or rebooked although it is against DOT policy. 
I booked a flight in US using US travel partner of a US based bank and US issued credit card. DOT policy must apply to my situation and they should have let me cancel my flight within 24hrs without any fee. Unfortunately, I couldn't cancel flight and I lost almost a XXXX dollars- I attached a snapshot of the flight booking receipt containing points I used and remaining portion I paid with credit card. In addition to that, I attached my credit card statement. 

Policy summary : hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ).