davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (NY)

I just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries Onemain XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX card  XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX  XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

In 2019, I notified my apartment complex that I was vacating the apartment. I received a short term lease as a result. As well as being in constant communication in person and via email regarding the exact date in advance according to Washington state laws I would vacate the apartment therefore needed a checkout walkthrough. I received an alert in 2019 that a collection was placed on my credit report, called and emailed the company with no results. The apartment complex threatened a lawsuit for extra days and a few months as intimidation instead. I sent them and the credit bureaus supporting documentation and it had a status of resolved. I have now been notified that they've updated the disputed information with a higher amount for these charges. They are aware I don't owe anything. They are aware that it is affecting my credit scores. This is highly deceptive practices to update my credit reports years later. I am assuming in hopes that I don't have any documentation to support my claim is the reason for the new update. My access to my leases had a specific timeframe that would also allow me to access the communication between the leasing office as well. This update is happening now that the access has expired. Based on recent reviews on XXXX XXXX XXXX and other websites, this seems to be their standard deceptive practice to file collections for amount ranging around {$3000.00} upon move out. They did a walkthrough after I had left because they stated they were unavailable up until my last date to vacate even though I had moved days before to allow them time to review the apartment. I was told I owe for some carpet due to pet damage otherwise didn't owe anything.
Consumer complaint received 2022-06-13
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My purse was stolen in a nightclub in 2019, since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response.

I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed on my credit report.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (CA)

I recently reviewed my credit report and I noticed a fraudulent collection account on my credit report I have never done business or signed a contract with them In do not know who this company is. I feel liken I am being pushed against the wall with their fraudulent activity.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (NC)

On or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to Equifax, XXXX  and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX ( XXXX ), XXXX  ( XXXX ).
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2018-12-12
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: Ad Astra Recovery Services Inc (AL)

I have contacted AD Astra Recovery and faxed my FTC affidavit to them twice XXXX and I have called to verify that they have received my fax and they did confirm but they wont stop reporting to the CRAs and this is what AD ASTRA Recovery told me to do, they told me in order for them to delete the account I have to call all 3 credit bureaus and tell them that I want to cancel my dispute so that they could delete the account! But little did I know this is a TRICK!! this collection company is sketchy!! how dare you try to still collect and trick me when this is a fraudulent account!!! I just want to say Thanks to XXXX they let me know what AD ASTRA Recovery was trying to get me to do!
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (PA)

I sent a letter to dispute this debt, which I didn't believe I owed and to request that CCS ( XXXX XXXX XXXX ) validate the debt by providing the documentation and information that I requested in the letter sent. I sent this letter certified mail on XX/XX/2018. Since the above mentioned date I haven't received any of the information I requested.
Consumer complaint received 2022-06-13
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. (WA)

I have an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached a federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2022-11-30
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)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2018-12-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC (MT)

This issue is in regard to a mobile home title in Montana. The lien on the title lists the lienholder as : XXXX  A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX The lien was put on the title in XX/XX/XXXX when we purchased the ( new ) mobile home. 

The loan was paid off in XX/XX/XXXX when we refinanced through XXXX   XXXX, but the lien was never released by XXXX as verified by the Montana Motor Vehicle Division. 

I have contacted XXXX  XXXX XXXX since XXXX is no longer in existence and they said this loan was a Ditech/XXXX XXXX loan and that they had forwarded my the information and documentation I provided to Ditech, In 2 phone calls to Ditech, they have assured me they will not even look into this for at least 30 days even though I have pointed out that the lien release is in essence 15 years past due. I personally provided them via fax on XX/XX/XXXX a copy of the title and a copy of a form XXXX which shows the loan number, our names, and a social security number of my husband, the primary borrower who is now deceased. I gave the dates of the loan origination and payoff. I was on hold for an hour and 15 minutes on the phone today, the second of my ( exceedingly unhelpful ) calls to them. The representative at Ditech would not even confirm that they received my information either from XXXX or my fax. 

I was supposed to close on the sale of this property last Friday. With a sale of the property on the line I do not have a month to wait to possibly hear from them regarding this.
Consumer complaint received 2018-12-12
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. (PA)

Recently, I applied for a mortgage through XXXX XXXX XXXX. On XX/XX/2018, the bank was able to pull my credit report from XXXX and XXXX  but they were unable to pull a report from Equifax. I called Equifax and they told me there was no record of my account existing. I explained to them that the same bank was able to pull a credit report on or around XX/XX/2018. They tried searching my account by my maiden name as well as my married name but they were still unable to locate my file. I also explained that I had previously been approved for a mortgage back in XX/XX/2018. A supervisor at Equifax said that I would have to type a letter and fax it along with a copy of my Driver ID and a copy of my Social Security card and the issue would be looked into within 48 hrs. When I  relayed this information back to XXXX XXXX, they told me that I should not fax them my social security card due to the security risks that may lead to.
Consumer complaint received 2021-02-25
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. (SC)

I sent a Certified Dispute Letter to Equifax ( XXXX # XXXX ) and it was received on XX/XX/2021. 41 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (CA)

I have recently reviewed my credit report and saw a collection from a company called WilliamFudge I don't know who they are and I have never done business with them. I attempted several times with the company to rectify however they have not responded. 



15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to dispute XXXX XXXX over and over again. TransUnion have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.
Consumer complaint received 2022-07-21
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. (MS)

The Credit bureaus stated my account was properly investigated but how is that possible if the open and close date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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.with no help.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2024 I received a fraudulent hard credit inquiry from XXXX XXXX XXXX. XXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.