davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (CA)

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX XXXXXXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states 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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 - Experian - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021 - Experian - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - Experian - XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 - Experian - XXXX XX/XX/2021 - Experian, XXXX, XXXX - XXXXXXXX XXXX XX/XX/2021 - Experian and XXXX - XXXX XX/XX/2021- XXXX - XXXX XXXX on report twice )
Consumer complaint received 2022-04-09
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. (MO)

I did not authorize these inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously asked for this account that was fraudulently obtain in my name this company XXXXXXXX XXXX is destroying my credit and my life I use my credit for everything. I went to police department to obtain a Police report and I also fill out transunion identity theft affidavit I got the police department to sign it and i also got it notarized please help me settling this account Thanks again.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I reviewed my consumer reports and noticed that I have an account with XXXX XXXX XXXX that has been charged off and late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/22. Please investigate and provide proof with statements showing that these payments were late and charged off. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you. Please see screensdhot attached :
Consumer complaint received 2022-05-19
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. (CA)

In accordance with the Fair Credit Reporting Act ACCOUNT : XXXXXXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states 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 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OCEANSIDE MORTGAGE COMPANY (GA)

I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with Oceanside mortgage service. During this time, Oceanside has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXX XXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXXceanside, and 2 years prior to this, Oceanside gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XX/XX/XXXX dispute and the CFO of Oceanside supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My XXXX payment was late by 2 days ( not sure if this was a mail issue or a processing issue but I use recurring computer banking so wasn't my issue ). As I use computer banking, I trust payments made correctly ( as for the XXXX year on the account ). When I explained what happened all the fees were refunded as is good customer service. My concern is reporting to the credit bureaus. I'm not sure missing by 2 days ( which was NOT my fault ) should create bureau reporting. I also don't think it's fair to continually report me as late when I'm paying the minimum amount ( forgetting the continual adding of fees ).
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 - XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX - XXXX XXXX XX/XX/2021- Equifax - XXXX XX/XX/2021- Equifax - XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 - XXXX, Equifax, XXXX - XXXXXXXX XXXX XX/XX/2021 - XXXX and XXXX - XXXX XX/XX/2021- Equifax - XXXX XXXX on report twice )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 - TransUnion - XXXX XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 - TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - TransUnion XXXX XXXX XXXXXX/XX/2021 - XXXX XXXX XXXXXXXX XX/XX/2021 - XXXX, XXXX, TransUnion - XXXX XXXX XXXXXX/XX/2021 - XXXX and TransUnion - XXXX XX/XX/2021- XXXX - XXXX XXXX on report twice )
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I tried to dispute with XXXX XXXX XXXX XXXX Experian on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my credit report.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (IN)

On XXXX I contacted Receivables Performance XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX via phone regarding information on my credit report from their company. Receivables performance told me they do not have an original contract from the debtor-XXXX XXXX to be able to validate the account. The representative stated the amount owed and did not have a valid address for me, I then stated I need you to validate this account with an original contract from XXXX XXXX XXXXThe representative hung up on me.
Consumer complaint received 2022-05-19
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-05-19
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with XXXX XXXX in XX/XX/2018. please remove this from my account.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.
Consumer complaint received 2023-10-03
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: ENOVA INTERNATIONAL, INC. (SC)

These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I have requested numerous of times the accounting ledger to verify this debt for years now. I never received a debt validation letter either. I have sent certified & registered mail plus an affidavit of all my rights that have been violated under the FDCP Act. I am a natural person living in the land and Im not belligerent. I constantly receive email from Tide Water Motor Finance offering a decrease in amount for a debt that is already charged off. They are also reporting on my consumer report monthly invalid information. I do not have the original contract and I cant get a response from the company. I do believe I am being discriminated against.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ACCOUNT TD BANK XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states 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 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I was scammed and transferred approximately {$130000.00} into a Charles Schwab account. I tried to contact the fraud department and did not receive any help. I have since retained an attorney and issued a summons against XXXX XXXX as well as a judgment against Schwab to track the funds. XXXX XXXX is still actively trading with a Schwab account. See below information. 

Filing XXXX SUMMONS Returned Executed by XXXX XXXX. XXXX XXXX XXXX XXXX served on XX/XX/2021, answer due XX/XX/2021. ( XXXX, XXXX ) Filing XXXX CASE REFERRED TO ARBITRATION. This case has been designated to participate in the Court Annexed Arbitration Program pursuant to Local Civil Rule XXXX. 
The Rule requires the Clerk of Court to designate and process for compulsory arbitration " all civil cases ( excluding social security cases, tax matters, prisoners ' civil rights cases, and any action based on an alleged violation of a right secured by the Constitution of the United States or if jurisdiction is based in whole or in part on Title 28 U.S.C. sec. 1343 ) wherein money damages only are being sought in an amount not in excess of {$150000.00} exclusive of interest and costs. '' Damages are presumed not to be in excess of the arbitration limit unless a certification is filed in accordance with Local Civil Rule XXXX. An Arbitration Hearing will be scheduled after an Answer is filed. 
( XXXX, XXXX ) Modified on XX/XX/2021 ( XXXX, XXXX ). 

Filing XXXX Summons Issued as to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
( XXXX, XXXX XXXX
Consumer complaint received 2022-05-19
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. (TX)

EQUIFAX, XXXX are reporting fraudulent inquiries in my credit file. 
These creditors and companies violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies.
Consumer complaint received 2022-04-09
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. (TX)

This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX with new & updated information about my previous complaint XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( XXXX, XXXX XXXX Experian ) cease immediately.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Rocket Mortgage refuses to deliver pay off amount due to needing to " make calculations. '' We started requesting pay off amount in XXXX for XXXX. We have missed 3 closing dates because they willfully withheld our pay off amount. We moved closing 3 times. They say we would have it last week, then Monday then XXXX, then yesterday the XXXX and again today. They refuse to talk to our lawyers. Today they told my husband that we " should have pay off number by Friday but maybe Monday '' This has been going on since XXXX!
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (NY)

XXXX CLOSED MY ACCOUNT FOR REASONS THEY HAVE NOT TOLD ME AND IS TAKING CRIMINALLY LONG TO SEND ME MY CHECK I AM STARVING AS I AM WRITING THIS AND BILLS ARE DUE PLEASE I JUST WANT MY CHECK OF {$7800.00}
Consumer complaint received 2019-09-23
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)

TO WHOM IT MAY CONCERN TRANSUNION IS THE ONLY CREDIT COMPANY REPORTING A MEDICAL BILL ON MY CREDIT REPORT XXXX XXXX XXXX. I THINK THIS IS A MIX UP THIS IS NOT MY ACCOUNT AND THISM IS FRAUD.