davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc. (CA)

Someone has used my ssn has all my information i have even changed it then people starting using my parents ssn to apply for things i cant even open my own bank account because someone has been using my information so much i have over XXXX hard inquiries that i have no freakin clue whk these companies even are i dont know how my family information got leaked or exposed i need a new ssn because im not able to do anything with the number i have there is a XXXX  XXXX account linked to my ssn i never had XXXX  XXXX this is crazy my parents think its my fault our information got leaked but its not they have also made reports there names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX and i need someone to help us fix this i also recieved in the mail i threw away but because i thought it was a joke but now thinking back at it i should of taken it more seriously i recieved a lettter that read about how i my family credit would go to XXXX and how i would be the one fault it was and how my ip addresse would be exposed copies or something i thought it was a joke but now its not funny because the letter didnt explain why but the point is i recieved such a letter and now my parents ssn is being used i have made several attempts to freeze my credit its still beimg used to apply for things this is idenity theft why do people do these wrongful things i need a new ssn number please
Consumer complaint received 2019-08-07
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. (FL)

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the Equifax, XXXX  and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

XXXX, XXXX and XXXX have reported a 60-day late payment indicator on my credit report with the creditor, ( Navient ), which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$10000.00}, which the account was opened XX/XX/2011. I have never paid 30-days late and when I contacted Navient, they said that their system is not showing it and that I am current and they did not report that 60-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2022-01-22
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. (CA)

I mailed a dispute letter to the three credit reporting agencies ( XXXX, XXXX, Experian ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX  Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 : XXXX credit reports showing no change and missing notice of disputes
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-01-22
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: CITIBANK, N.A. (NC)

I received a credit card from CitiBank in the mail on XX/XX/22 but I did not apply for it. It is listed as XXXX XXXX but my name is XXXX XXXX. I called customer service immediately but their automated system does not have a way to connect to anyone. I end up just putting in the account number of the card that was issued and canceled it. I also asked for an email receipt of the cancellation but I did not get it. I don't know if any charges occurred or not but I never activated the card so I am hoping not.
Consumer complaint received 2022-01-22
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. (PA)

I have contacted Transunion Several times over the phone trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX Account ending in # XXXX. Dates contacted XX/XX/XXXX, XX/XX/XXXX, XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Titel 15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX  ACCOUNT IMMEDIATELY! As I am in the process of seeking legal action. This must stop!
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

Today, XX/XX/XXXX, I received a call from a collection agency called XXXX in XXXX. They tried to collect {$100.00} they claim I owe to XXXX. I have not been a customer of XXXX since XXXX of XXXX. I have a bank record showing my regular payments to XXXX and how they stopped in XXXX when I moved. I did not owe them any money when I ended their service at that time. I returned all of their equipment, and I have not done business with them since. The representative of XXXX  was not able to give me any information about this debt. She had no idea when or why XXXX claims I incurred it. All she could say was that XXXX acquired the debt on XX/XX/XXXX. I do not have a problem with XXXX. I think they are a victim here too. 

In XXXX of XXXX a company called XXXX XXXX XXXX put {$100.00} debt on my XXXX credit report on behalf of XXXX. I never got a call or letter from anyone about the debt, it just showed up directly on my credit report. I disputed it at the time with XXXX, and it was removed from my credit report immediately. I have a screenshot from my XXXX account to show that information. 

This cant keep coming back. I never owed them this money. At no point did XXXX contact me directly about this debt. They just sell it to collection agencies and try to damage my credit. I need your help to make XXXX stop trying to collect this debt I never owed. They cant be allowed to bring this back after 5 years.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2022 I was struggling to make my minimum payment. I contacted them to work something out. They enrolled me in a program that closes my account, no longer charging interest or late fees and they would automatically take $ 33 monthly payments until the balance is cleared. The account disappeared from my app and the {$33.00} payments have been coming out of my checking account for 12 months. I have NEVER received a phone call, mail, or secure message in the app stating there was any issue and since the payments were being taken I assumed there was no issue. 
Fast forward to last week when the account appeared back in my app with a balance of over {$1000.00} higher then when I started on the re-payment program. When I contacted them last week they are stating the the first payment from XXXX of 2022 didnt go through and that un-enrolled me from the program, I never received anything stating this and they continued to take the monthly payment. When I asked if they could work with me to fix it ( either re-enroll me and waive the fees from the last year or give me my payments back ) I have been met with nothing but attitude from customer service representatives and lack of compassion. I asked for a supervisor and they said they would call me back. After not hearing back for a week I called them again. They said a supervisor called me but didnt leave a message. I can provide my cell bill showing no calls were made to me and the representative said Ill have a supervisor call you back but they are going to say the same thing, when I asked why the payments were being taken if I wasnt enrolled in the program she said because you authorized them, I told her I authorized the payments for the sole purpose of being in the program and if I wasnt in the program the payment should not have been taken and I would have know then there was a problem. I have no issues paying what I owe, but now I owe over {$1000.00} more for no reason.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax was notified via mail regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Equifax able to prove the accuracy of the alleged debt? and what are you updating Equifax? 

If Equifax can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Equifax is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
Consumer complaint received 2022-01-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (NY)

After repeated calls that went automatically to spam, I called back Kia/Hyundai finance at XXXX. I informed them that I have never owned a car, let alone a XXXX. I asked them to confirm that nothing was registered in my name. They confirmed this. I asked them to remove my number. They did this. Around 2 weeks later, they began calling me again. This debt is not in my name, associated with me in any way, is not part of identity theft or anything of the sort. They just won't stop calling me.
Consumer complaint received 2022-03-14
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. (MD)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2023-06-11
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: Fidelity National Information Services, Inc. (FNIS) (GA)

please read my letter attached below. I recently pulled my chex systems report after a denial, and I see some information on here that I do not recgonize. Thank you for your assistance in this matter.
Consumer complaint received 2022-04-08
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-07
Product: Credit reporting 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)

To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus XXXX, Trans Union, and XXXX you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX accordance accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX  15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2022-07-07
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. (OH)

I sent Equifax a dispute letter about a Bankruptcy shown on my credit report, Equifax told me to contact XXXX because the bankruptcy was verified through XXXX and the clerk of courts, well XXXX and the clerk of courts both told me that Equifax has not contacted them about a bankruptcy on my credit report, XXXX do not show a bankruptcy on my file and informed me to contact Equifax, well Equifax sent a letter to me dated XX/XX/22 saying it was verified by XXXX. I have papers ready to bring to court proving Equifax lied, if this bankruptcy not removed ASAP
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against National Credit Adjuster. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.