davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (TN)

Id theft victim. Someone opened 2 accounts from XXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XXXX {$10000.00} These accounts do not belong to me. I am from Tn. These accounts were opened in Florida using a fl address
Consumer complaint received 2021-06-13
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. (MS)

I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to XXXX, XXXX  and TransUnion requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't me.
Consumer complaint received 2022-02-10
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)

I reached out to XXXX and XXXX today XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.
Consumer complaint received 2023-06-29
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (OK)

I have sent letters three different times asking them how they have verified the debt is mine and told them the debt is invalid but they will not provide proof or remove it from my credit report. They were submitted to Calvary Port collection agency regarding 2 XXXX  accounts. One is for {$1500.00} and the other is for {$8100.00} 1st dispute letter sent XX/XX/XXXX they claim they verified debt but sent no proof on XX/XX/XXXX 2nd dispute letter sent XX/XX/XXXX once again claimed it is verified but no proof XX/XX/XXXX 3rd dispute letter sent XX/XX/XXXX and no response
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

Was told to enter info to correct an account from XXXX  still showing unpaid. Some how my info became a membership XXXX of which I would never agree too. I have XXXX credit score even with this old account. Now seeing charge on account. Finally contacted live person they said 2 charges, one last week and could only refund one. Asked for supervisor, asked for different number to not play merry go round. No supervisor and disconnected. 

Not only did they not remove XXXX  XXXX  paid bill, which I'll never pay was a XXXX issue after being with them for XXXX  years. Now they are charging me for monitoring I would never agree too. Want both XXXX charges refunded and the XXXX  account removed. 

Ps. How is it OK that credit reporting agencies get to charge you for doing their job??
Consumer complaint received 2023-06-29
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. ()

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  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 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 2023-06-29
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: DISCOVER BANK (NY)

Accordance with the fair credit reporting act XXXX  account number has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

When my loan for the below-mentioned property got transferred from XXXX financial to Fay Servicing on XX/XX/XXXX. The Fay Servicing showed that XX/XX/XXXX payment was duo which is incorrect. I continued to make one payment each month as shown in the attachment. 

Property address : XXXX XXXX XXXX XXXX, XXXX TX XXXX Fay Servicing has created unnecessary confusion and trouble and wrong reports on my credit due to their inability to process the loan transfer on time with accuracy. 
At the writing this complaint, then I made one extra payment for XX/XX/XXXX because I need a clean payoff quote from them. 

It has been extremely frustrating to work with Fay Servicing XXXX. The government should ban them immediately. They are extremely irresponsible even after numerous calls and emails with proof. 

Enclosures : Full Payment history from the previous servicer, XXXX XXXX A bank account statement showing the XXXX Payment was debited by XXXX Full Payment history from the current servicer, Fay Servicing XXXX
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Chicago Car Center, Inc. (IL)

I had got into a XXXX XXXX where the car was declared totaled, and Ive got a settlement check from the insurance with the deductible. Already taken out from the check of the payout and the car finance company is still saying I owe them the deductible which was already paid or included in the payout check from the insurance.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (PA)

I received a text alert about a change in my credit file from Experian XXXX. I immediately went to my credit report and discovered a credit line for {$1700.00} with XXXX - opened on XX/XX/22. I have not applied for credit with this company and do not know who they are. I searched for a number to call and found the number and called continuously to speak with someone about this. I get the following message : Welcome XXXX XXXX. Your call will be answered by the next available representative. It then makes one beep and repeats welcome to XXXX XXXX  we are not available to take your call, please left a message and we will return your call during our normal business hours. I first time I left a number and a message. Never received a call back. I called continuously yesterday and today. Will the same message. No one answers the phone. I am very concerned because someone open credit for {$1700.00} in my name that will not be paid because I do not know this company and did not apply for credit with them. In searching the web, I also discovered that they have a mobile app and are located in XXXX. I am in XXXX, XXXX
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, Transunion, and XXXX. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.
Consumer complaint received 2023-01-12
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: Bread Financial Holdings, Inc. (OH)

I opened an account with Maurices on XXXX. I made a small purchase. I never received a bill, or an actual credit card. In XXXX, I went to the store and they were able to access my account, and I paid the balance I owed. I completely put the problem out of my mind. I noticed on XXXX that my credit report shows a past due balance of {$100.00} even. I called the credit card company, they said it was their error, and they would remove it from my account immediately. I filed a dispute through XXXX, and they still show I owe the {$100.00} balance. I owe nothing to this company, and it shows a negative mark on my credit report.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Hello I had 5 accounts with Synchrony Bank and not once was I late and my balances are very low and one i didn't even use and for no reason they closed all my accounts and the sent me letters saying that they think that there might be a high risk of failure to pay which is not true because I either pay off my balance or make three times the minumum payment if not more. So they destroyed my credit score on baseless claim that they think I might fail to pay not that I failed to pay. Now my credit score has gone down by almost 75 points.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion refuses to give me access to my credit score and my credit report. I have been trying for over 6 months. My identity was stolen and these people will get things in my name then it will stop and will start again after a year. It has been ongoing for year 's. The police caught one of them but the others are still using my information. I have been trying to get access to my report online and every time I try Transunion says there was an error or I already have an account which I do not.
Consumer complaint received 2022-02-10
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Made several disputes subsequent to submitting documentation to the corresponding department fraud with Trans Union to have these remaining inquiries removed. I submitted the FTC report circling the inquiries that need to be removed from my credit report with Transunion.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION.
Consumer complaint received 2022-10-10
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$18000.00}
Consumer complaint received 2022-02-10
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. (MI)

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 Bum. 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.