davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (IN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (MN)

The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized : XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXXXXXX XXXX XXXXXX/XX/2022 and XXXX XXXX XXXX XXXX, XX/XX/2022. The credit inquiries are fraudulent, unauthorized and not my credit inquiries.
Consumer complaint received 2023-08-20
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: SYNCHRONY FINANCIAL (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There's information like wrong address and name that appear on my credit report. I sent all three credit bureaus a letter with my id and ss card of proof of in XXXX and XXXX letting them know this information on my credit report is wrong information.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Please see attachment. 

XXXX XXXX has reported inaccurate information to XXXX   credit agency. I would like them to provide me with their ledger on my miss payments. My records indicate I was never late on the days they are reporting. 

Thank you and have a great day.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (MD)

I received a phone message from XXXX XXXX XXXX XXXX. They called me about debt related to a deceased family member, XXXX XXXX. I am not responsible for any debt he may owe. This phone message ( left on my machine ) sounded like a typical phone scam aimed at older consumers. The return phone number left in the message is XXXX. Internet research showed this phone message to be a scam aimed at older consumers. 

Mr. XXXX was my sister-in-law 's father ( XXXX XXXX XXXX ). He passed away in late XX/XX/2018. I am only related to him through marriage and not responsible for any debt he left. When I contacted my brother to report the phone message, he said that it was a scam. 

When I contacted the company to have my number removed from their call list, I was told that the consumer service representative had to " obtain permission '' to remove me form their call list. When I called again, I was told the same lie.
Consumer complaint received 2018-10-21
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)

XXXX continues to report inaccurate information on my credit report. I have filed a police report and have forwarded it and they still continue to report this inaccurate information. They also will not allow me to file my dispute on line.
Consumer complaint received 2018-10-21
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. (MI)

I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX   XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

COPY OF AGREEMENT PROVIDED BY NCC BUSINESS SERVICES , INC ON XX/XX/XXXX ON BEHALF OF XXXX XXXX XXXX IS AN ALTERED CONTRACT WITH FALSE SIGNATURES OF MY HUSBAND AND MINES ON BACK PAGE OF AGREEMENT. IT IS CONSIDERED AN UTTERED FALSE DOCUMENT IN THE ATTEMPT TO PASS IT OFF AS GENUINE. FORGED CONTRACT WITH INTENT TO DEFRAUD AND DEPRIVE ME OF MY MONEY. SIGNATURES FROM 2ND AGREEMENT ( HOUSE AND POOL RULES FOR RESIDENTIAL RENTAL AGREEMENT ) AND INITIALS WERE USED TO ALTER 1ST AGREEMENT ( APARTMENT RENTAL AGREEMENT ) .I HAVE PROOF OF ALL ORIGINAL AGREEMENT COPIES AND RECEIPTS AS EVIDENCE. LAST PAYMENT FOR RENT WAS ON XX/XX/XXXX FOR XX/XX/XXXX TO XX/XX/XXXX. LEFT PREMISES BEFORE END OF XXXX, XXXX HENCE, XXXX RENT IS NOT APPLICABLE SINCE I WAS NOT AT PREMISES. DEPOSIT KEPT BY XXXX XXXX XXXX SHOULD HAVE BEEN USED TO OFFSET ANY EXPENSES.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

ive became aware of this fraudulent loans being open under my identity due to various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inqurie removed i am a victim of identity theft and have enclosed a copy of my police report/ftc/license and social security card, i am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. i have relate to any transactions that i have made therefore, i am requesting that these accounts be completely removed and blocked from my credit file. this is not a regular dispute i have filed a complaint with the federal trade commission to document to document beimg a victim of identity theft.
Consumer complaint received 2023-08-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
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 — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

XX/XX/2020 I notified XXXX XXXX that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, XXXX XXXX accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted XXXX XXXX to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way XXXX XXXX reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report. 
I have contacted XXXX XXXX who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.
Consumer complaint received 2022-07-10
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)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Equifax inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

In XX/XX/XXXX XXXX offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, XXXX has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, XXXX has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, XXXX is not reporting this account to Equifax which is also negatively affecting my credit score.
Consumer complaint received 2018-12-26
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: EQUIFAX, INC. (NV)

I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft. 
Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (RI)

These were illegally added to my public credit profile on XXXX. 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-26
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: JPMORGAN CHASE & CO. (GA)

I had a Chase Freedom Credit card that was used to shop for food at XXXX and XXXX XXXX restaurant. My order was not completed which mean that I did not received the food ordered. I reported the issue to the restaurant and the restaurant agreed to refund the money. Since I did not receive the refund, I decided to engage the Chase dispute center to assist with this matter. Chase argued that they called the restaurants and decided to close the disputes in less than 2 weeks. 
I spoke to several people at chase and none would be ale to properly address my issue. I asked to speak to a supervisor and did not get one. 
To sum this complaint, Chase argued that since the charges were made at the restaurants they have the right to make those charges valid and I should be responsible for paying those fees. I had a last chance to speak to a supervisor on the dispute department and still none is willing to assist. I wanted to appeal their decision on the same while I am contacting their executive department and stop any extra charge on the balance. Chase put on hold and never get me to the right agent to appeal the dispute. after speaking the XXXX at the customer service.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I try to call CBNA they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.
Consumer complaint received 2018-10-21
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. (MI)

I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX  XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove personal statement ( s ) :XXXX & XXXX18 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX18.