davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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: OneMain Finance Corporation (SC)

I am a victim of identity theft. I reviewed my credit report from all three bureaus, and noticed that the report has credit inquiries that I did not authorize. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, OneMain Financial XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2019-05-25
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: EQUIFAX, INC. (AR)

Equifax keep adding a debt that has been discharged in chpt XXXX bankruptcy to my credit report the initial account was opened in XX/XX/XXXX and was taking off my credit report at the beginning of the month of XXXX and then it was re-added XX/XX/XXXX as a closed account causing my score to drop a 133 points over night I have addressed this issue with them and want this resolved ASAP this account is no longer valid and should stay off my report permanently
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX   are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm employed at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

This complaint is relating to existing complaint XXXX. 
We now received a " standard '' letter from Equifax suggesting that they can not find my credit file AT ALL, siting three potential reasons, none of which apply. 
All indications are that EQUIFAX are resolving complaints with an automated application which couldn't read my name correctly - see attached. 
We are asking for an escalation of the resolution of the practices of this menacing company. We are not able to engage freely in commerce because we are obstructed in lifting the self-managed credit freeze - this IS AGAINST THE LAW OF THE LAND!
Consumer complaint received 2023-08-21
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Omega RMS, LLC (CA)

This company omega OMEGA RMS keeps supplying me with what ever information that they would like regarding my dispute and not what I ask for in my dispute. My dispute submitted via certified mail requested. Original contract with my wet ink signature what you supplied me with was something with a typed name and not even a date or a water mark to support it as a signature. I also asked for Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. I see that no where submitted to me. The info submitted through cfpb was dated on XX/XX/year> I submitted request in as of XX/XX/XXXX certified mail this is a violation of my rights as it has not be properly re investigated. My numerous calls and letters to this office does nothing the continue to violate my rights. They openly admitted that I did not receive correspondence from them within 30 days because they mad a mistake yet this account is still on my credit that is a violation. The company keeps telling me submit another dispute but they are sending the wrong info I have attached what I asked for and what they submitted they company told me that they are not required to prove they are licensed to collect a debt in my state Look at the addresss of my dispute submitted and there date verified and the addresss of communication The ftc has stated that a detailed print out of charges is not sufficient as verification yet this is what they send. And it does not contain my signature or a watermark to prove it is an electronic signature. Just typed anyone could have placed that. They have not gave me any information other about means of verification other than the company said it was verified
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 — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (MD)

I am writing in response to CFPB Complaints XXXX and XXXX filed against Military Star and AFFES. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, Military Star and AFFES claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a XXXX late payment as of XX/XX/XXXX, causing a XXXX decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before Military Star and AFFES claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that Military Star and XXXX have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from AFFES and Military Star via XXXX and XXXX, or by phone. 

I implore the CFPB to take action against Military Star and AFFES for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.
Consumer complaint received 2023-01-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters
Consumer complaint received 2019-06-12
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX
Consumer complaint received 2019-05-25
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. (NM)

I disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aspen National Financial, Inc. (FL)

I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. Equifax and Experian are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

After reviewing my credit report I discovered that there is an information on my report that is hindering my credit worthiness without my permission. This is in violation of 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 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On the dates of XX/XX/XXXX and XX/XX/XXXX I was robbed by an individual who forcibly took my phone from me and used it to make multiple transactions out of my Wells Fargo accounts through XXXX and XXXX XXXX  The individual also stole personal documents from me including my passport, driver 's license, birth certificate, social security card, debit card and credit card information. 

I opened several claims with Wells Fargo regarding these unauthorized transactions on my accounts. On XX/XX/XXXX I opened an online fraud claim, # XXXX for a total of {$3500.00} for the unauthorized XXXX transactions made by the suspect. 

On XX/XX/XXXX I filed a card claim, # XXXX for a total of {$3.00} for unauthorized transactions made through XXXX XXXX using my debit card. 

On XX/XX/XXXX I filed 2 additional card claims : # XXXX for a total of {$4800.00} and XXXX for a total of {$600.00}. I was told by the representative who took my claim that there were too many transactions to fit into one claim which is why two were opened. These transactions had occurred on or about XX/XX/XXXX but I had first tried to recover the funds through XXXX XXXX but never received a resolution. These were the unauthorized XXXX XXXX transactions the suspect stole from me that night. This was also the evening after I spoke to the XXXXXXXX NJ detectives and the magnitude of the crime that was committed against me began to set in. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a copy of the police statement and asked them to call the XXXX NJ police department to speak about the specifics of the case. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a letter explaining what happened, text messages between the suspect and myself where he admits to stealing my money and extorting me, and the detectives business card asking them to contact him regarding the case. 

I faxed Wells Fargo Online Fraud Claims Assistance center on XX/XX/XXXX and XX/XX/XXXX with the same information as I had sent the Card Claims Assistance center and fax confirmation pages will be uploaded with the supporting documentation. 

To date Wells Fargo has denied all the claims except for claim # XXXX where the bank issued a permanent credit. This letter will also be uploaded with the supporting documentation. I do not understand how Wells Fargo has denied any of these claims given there is now an arrest warrant out for the suspect, but further do not understand how the bank itself would determine 2 of the transactions as fraudulent and deny the rest. 

Uploaded is documentation I believe is most relevant to this complaint, including the full report from the detectives with the suspects information and charges is facing. An arrest warrant has been issued for him.
Consumer complaint received 2019-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX XXXXDOB XXXX, SS XXXX my address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XXXX XXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.
Consumer complaint received 2024-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olson Associates PC (UT)

-trying to sue for in wrong court for a medical debt i can not verify -did not serve me papers and continues to send mail to wrong mailing address according to court records -lists an intermountain hospital where i settled any owed amount and changed hospitals because they made a mistake -is trying to get legal fees for mistakes he made
Consumer complaint received 2022-08-16
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. (PA)

I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Bank account was remotely hacked. Bank neglected to stop unauthorized charges reported within hours of occurrence and still showing " pending ''. Guess is all XXXX insured..!! not really their money/problem ... subsequent claim for funds return has been denied.
Consumer complaint received 2023-04-10
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. (NY)

As i look through my consumer profile I see that this company XXXX. XXXX, XXXX, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this is fraud.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My only name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I should not have any company for employment on my credit report but it shows mutiple ones, names, and address that should not be there. My personal information is simply as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
NO OTHER NAMES, ADDRESS, JOBS, OR ACCOUNTS SHOULD BE ON MY CREDIT REPORT AND PERSONAL INFORMATION
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (CA)

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