davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX 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 im XXXX  now.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Consumer complaint received 2022-10-11
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. (MI)

I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX XXXXXXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.
Consumer complaint received 2022-07-06
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)

In accordance with the Fair Credit Reporting act. 
XXXX Account # 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 2021-06-13
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. (SC)

My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, Equifax and XXXX  they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX Georgia XXXX. 

I am request that XXXX, Equifax, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Multiple calls DAILY. I don't have a job, I don't collect unemployment, I have no freaking income and they have been told this and to STOP calling!!! Yet, they still continue daily from multiple numbers.
Consumer complaint received 2022-07-06
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  Account # 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 2022-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of  XXXX. I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. XXXX XXXX XXXX XXXXXXXX Opened XXXX {$86.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00}.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (NV)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Organization - PenFed Federal Credit Union Issue - Have attempted over 6 times now to apply for a credit product with the organization only to be told that there is " a system error '' which the organization has not been able to fix and provide me with some form of resolution for over 6 weeks now. 
Desired Resolution - I would like whomever is responsible for assisting me with completing my credit card application to complete the process and not transfer me several time on a 1 hour call only to disconnect when I request an update. If not, please advise on how I may go about closing my account and removing my funds expeditiously.
Consumer complaint received 2017-06-21
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. (CO)

There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I have been unable to manage my security freeze on Equifaxs website for over a month. I get the error, We are temporarily unable to retrieve the status of your security freeze. The only way to manage the freeze is to call and wait on hold, sometimes for hours.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the XXXX XXXX XXXXXXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX  checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.
Consumer complaint received 2021-06-13
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)

XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.
Consumer complaint received 2021-06-13
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. (CA)

XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX 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. 

Account name :, XXXX XXXX XXXX {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$4200.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data US XXXX XXXX XXXX XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX  XXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} 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 know
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to emphasize the credit bureau 's repeated negligence in addressing accounts resulting from identity theft, posing a significant threat to my financial security. As a victim, I am entitled to the removal of these accounts, backed by FCRA regulations, and your continued inaction is unacceptable. This letter serves as a final warning ; immediate action is required to prevent legal consequences, and my attorney is prepared to ensure accountability for willful noncompliance. XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (NY)

XXXX XXXX credit card is through XXXX bank they sold to bank of XXXX when they did they charged my XXXX card over XXXX dollars since then my credit report has been negatively effect I call them they say yes we understand we are getting it resolved mean while my credit report is taken a dive do to me using more then XXXX percent of the XXXX dollar limit I call every day I want to sue them for this huge inconvenience it still shows I owe over XXXX instead the XXXX I do owe the false reporting has stopped me from buying a new car
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (MS)

Credit Corp Solutions continues to I mailed certified letter XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX letting them Credit Corp Solutions know that they are in direct violation for refusing to validate a debt. Credit Corp Solutions continues to sent out the exact copy of the same letter with updated dates each year. In the letter I sent to Credit Corp Solutions dated XX/XX/XXXX I advised them that failure to validate the debt would waive any and all claims against me and they would be responsible for paying me for their continued violations and harassments in a attempt to collect on a debt that they can not validate.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

Someone tried to open a Citibank credit card in my name around XX/XX/2022. Received a letter from Citibank in the mail alerting me to the fact that someone was trying to open a credit card using some of my identification information. I figured this out given that some of the information in the credit card letter that Citibank sent in the mail was not familiar to me. I alerted Citibank and they initiated an investigation and closed out the credit card account. No money was lost and all three credit reporting agencies were alerted to this fraud.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.