davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (NC)

This is my follow up endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. 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
Consumer complaint received 2022-08-26
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)

Disputed XXXX XXXX XXXX with experian this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.
Consumer complaint received 2024-04-08
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts were opened XXXX XXXX XXXX XXXX XXXX, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence XXXX XXXX XXXX XXXX XXXX when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.
Consumer complaint received 2022-12-16
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 follow up endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
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: The CBE Group, Inc. (SC)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (GA)

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

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-19
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. (GA)

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

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

Ive disputed these collections, sent letters to Wakefield asking to verify and validate the bills belonged to me they sent record of charges and nothing more, they are affecting My ability to move forward, I am constantly contacted by them by phone which caused me to send a no contact letter to them as well, the credit beauraus has failed to honor my disputes, I have no knowledge of these accounts. They also violated my rights by sending a medical packet with services and locations of services with drs names attached, when I did speak to a rep they harassed me about why I did not pay my bills, I was furious. I recently tried to purchase a vehicle in which the bank acknowledges Wakefield and associates on my credit file, this Company will not remove bc these accused debts! Please help me as a single Mother I am struggling to get my life in a order because of this third party company who claims these medical charges are mine!
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have paid the balance on my card, and after doing so, the balance is over paid. The card is being blocked from use for internet purchases. It has also been blocked when trying to use it at the gas pump.
Consumer complaint received 2022-03-19
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. (PA)

I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.
Consumer complaint received 2024-04-05
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. (FL)

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.This hard inquiries dont belongs to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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. (NC)

On XXXX I requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/XXXX with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

I am a traditional XXXX recipient. XXXX refused me service on XXXX until I paid {$75.00} up front- which I did with a credit card ending in XXXX. 

XXXX refunded my cc payment for services rendered ( dos XXXX ) on XXXX XXXX on the original credit card ending in XXXX, then sold that debt to XXXX XXXX who reported it to XXXX. This process is called " Debt Dumping '' and as a consumer, I should not be penalized when a company REFUNDS my PAYMENT so they can claim a lower debt ratio on their bottom line. 
XXXX refused to remove it. 
XXXX claims ignorance. 
XXXX said I didn't owe it, then yes I do, then no I don't because of the refund- but sold it to XXXX anyway. 
While they finger point, my credit is tarnished. 
Meanwhile, XXXX gets to have its cake and eat it too by showing lower debt while in merger talks per XXXX XXXX XXXX XXXX and gets paid when they sell the debt! I've contacted everyone involved at least twice. No response.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc (SC)

HAD A CHIME BANK CARD ABOUT 2 YEARS AGO. LATELY HAVE BEEN GETTING EMAIL - AD TO APPLY FOR A CARD. WHEN I DID HAVE ONE I HAD PROBLEMS GETTING THE RIGHT FUNDS ON THE CARD AND THE CARD WOULD BE USEABLE AND THEN NOT USEABLE. I APPLIED AGAIN RECENTLY ( ABOUT XXXX DAYS AGO ), AND IT WAS DENIED. I APPLIED A FEW MONTHS AGO WITH A DIFFERENT EMAIL AND THAT ONE WAS DECLINED AS WELL. XXXX 'S A PERSISTENT AD THAT IS IN MY INBOX EVEN AFTER I CHECK THAT I *DO N'T WANT* TO SEE THE AD. 
ANOTHER POINT, I MAY HAVE USED IT BEFORE TO GET DIRECT DEPOSIT FOR TAX REFUND, THIS WOULD HAVE BEEN XXXX TAX YEAR. MY INFORMATION COULD POSSIBLY BE STORED WITH THE COMPANY WHO I LAST GAVE THIS INFORMATION TO. WITH DATA SELLERS, DATA BROKERS AND HACKERS- IM CONCERNED THAT SOMEBODY MIGHT HAVE ACCESS TO MORE INFORMATION THAN THEY NEED OR THAT I WOULD HAVE GIVEN ACCESS TO. I USE PRE-PAID ACCOUNT CARDS OVER TRADITIONAL BANK ACCOUNT.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (NJ)

Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on this
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On XX/XX/XXXX I noticed a collection account on my credit report. I immediately contact the collection agency they provided me the info to original creditor, However when I contacted the original creditor the company does not exist and they do not answer. The collection agency did not provide more details. 

This is a false debt I never received any service on the mentioned dates nor do I owe any medical bills or had any business with the original creditors. I never received any bills or invoices demanding payment never been contacted. I only got to know this through randomly checking my credit report for XXXX. 

Therefore I report fraud on my identity and I request to remove this false collection account from my credit report.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA XXXX and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA XXXXXXXX program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA XXXX program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
Consumer complaint received 2022-03-18
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. (NC)

I filed a dispute with Transunion on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX. This dispute was to request that two late payments be removed from my credit report as they were inaccurate. These payments were reported on in XX/XX/XXXX and XX/XX/XXXX. At some point, my credit report was changed to show no payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with one late payment on XX/XX/XXXX. 

Furthermore, I have attached a statement from XXXX Fed showing that I clearly made the XXXX payment on XX/XX/XXXX. 

I did not receive a response within the 30 day window as required by the Fair Credit Reporting Act.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (TX)

Hello Team, I had asked my Mortgage provider, Union Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with XXXX XXXX XXXX XXXX and exclude it. Neither the bank nor the XXXX XXXX XXXX XXXX never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in XXXX XXXX XXXX XXXX. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around 4 weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, XXXX
Consumer complaint received 2022-03-18
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. (PA)

My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, the bureaus {$850.00}, XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TN)

Due to medical bills I have missed payments in XX/XX/XXXX. 
I fully intend on catching up my payments. 
I understand receiving calls about a late payment, but the following numbers call several times a day - and even on Sunday If I am correct, this is against the law. 
If this is against the law, then I want to report the following numbers. 
Several calls from all XXXX of these numbers. 
XXXX XXXX XXXX XXXX Thank you!