davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-06
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. (NV)

I noticed numerous credit inquiries showing up on my credit file where I have not authorized. They are XXXX XXXX XXXX XXXX on XXXX XXXX XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX credit XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX  XXXX auto finance on XX/XX/XXXX XXXX. XXXX XXXX serve on XX/XX/XXXX 10
Consumer complaint received 2022-05-06
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. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 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
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (TX)

I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) Exchange Service Center for my disclosure report and score. The CFPB XX/XX/2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Collector said I owed a debt from XX/XX/2013 that does not ring a bell. I said sorry I can't pay. Im Not working and having financial problems. They keep harassing family members.
Consumer complaint received 2023-04-09
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: CLGF Holdco 1, LLC (FL)

I received an email for opening up a credit card through this company that I've never heard of. They're telling me that a credit card will be sent to me in 7-14 business days but I never applied for any credit card.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urgently address the continued presence of fraudulent items on my credit report despite my previous attempts to have them removed. Despite providing all necessary documentation and following the prescribed procedures, the fraudulent items persist, negatively impacting my creditworthiness and financial stability.

As you are aware, I previously initiated a formal dispute and provided detailed documentation to support my claim for the removal of the fraudulent items from my credit report. However, to my dismay, the fraudulent items remain unresolved, casting doubt on the accuracy and reliability of my credit report.

The continued presence of these fraudulent items undermines the integrity of my credit profile and poses a significant threat to my financial well-being. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

Hi, I've started working on my refinance application on XX/XX/XXXX ... and in XXXX i had to walk away after closing costs increased over 2 times and {$500.00} i prepaid for the application. 
Every promise Amerisave made was a complete lie ... .and nothing was in the end the way they promised it. 

Amerisave from the day one was focused on collecting {$500.00} with the bait and switch approach. They quoted me rate which was good before I paid initial {$500.00} fee ... .after fee was paid the rate and the amounts of closing costs kept changing. 
In the end they said that because my condo with mortgage of $ XXXX was appraised for $ XXXX and not $ XXXX the rate needed to be higher ... which is complete nonsense since I refinanced homes before and once you have 40 % equity it doesn't matter. 

Their entire selling technique is based on ensuring that you out {$500.00} and once that happens the original terms are out of the window! 

Scammers!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote a letter to Transunion and XXXX in an attempt to remove wrong names and addresses from my credit report. This letter was mailed out on XX/XX/21. I have yet to receive a response. When several months passed and still never got a response and submitted a complaint here requesting the CFPB look into this issue, so I could receive so assistance in resolving this matter. I submitted both complaints over the phone on XXXX and here are the complaint numbers : XXXX & XXXX, which have since been closed. I am not sure why these complaints triggered that more information was needed when I verbally verified everything over the phone with the CFPB agent. I simple need TransUnion and XXXX to correct inaccurate personal information. The grossly inaccurate Names variations and random addresses to houses I have never lived has damaged my credit rating, and hindering my ability to use my credit.
Consumer complaint received 2022-05-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

During the month Of XXXX XXXX, I made a purchase of XXXX and paid it on XX/XX/XXXX. Got a confirmation code which was XXXX. I never got paper statements only by emails. But later discovered that my email was hacked in XXXX so I never got any late payment information due to the email being compromised. Now my card has been hacked again on XX/XX/XXXX for {$1.00} cent which I called about and it was not fixed. I have attached all the findings on the account. I have sent more then 3 goodwill letters expressing to them that if I was paperless and only got emailed the statements but due to my account being hacked I knew nothing about it. I received a confirmation number. And each time I was told or sent letters to them, I was told could not be helped because of the credit laws and that the information provided to credit bureau was correct.
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NY)

I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NC)

On XX/XX/2023, I turned on my TV and opened up my XXXX streaming app on I was instructed to sign up or log in by my computer and when I clicked log in I was given a code to put in. When I put in the code I was notified thatI would be helped by a XXXX agent to fix my problem. I being an older person believed I was being helped by an acutal contract agent of XXXX I allowed them access to my computer to fix my probem. Then I was coerced to accept a plan that doesn't exist. After I thought about what had transpired I contacted XXXX and they had no knowledge of any company called XXXX. I immediately contacted Paypal about the issue to file a complaint and was told by correspondance that my complaint wasn't unathorized.
Consumer complaint received 2022-05-06
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. (OH)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-05-06
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. (OH)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-05-06
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (FL)

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 EXPERIAN/XXXX was XX/XX/XXXX, 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 delete immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXXXXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (MD)

FCRA Violation : address and names not mine 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 FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXXXXXX XXXX Violation accounts not mine remove from account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

FIRST CFPB COMPLAINT MESSAGE TYPE IN : This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus 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 statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX