davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXXXX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer/client/member of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : 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 2021-10-27
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)

Every time I reported these issues to the Equifax They are refusing to take it off my credit report these Fraudulent hard inquiries The first one was XXXX XXXX I get back in the country on XX/XX/2021 and see some bunch of inquiries I asked them to take it off they refuse they are saying that the company is reporting that is me I called each one of these companies they they stated I did not apply anything and send letter to me stated they have not found no inquiry with my name on it from them so they can not help me I have to care XXXX XXXX to court for them to remove it off my credit report because Equifax is supporting fraudulent activities on XX/XX/2021 We went to court which bank XXXX XXXX in XXXX it is not their fault if equifox is reporting fraudulent things are not reaching out to them but they will work with me to resolve the issue it shouldnt be me taking banks to court that is causing me money to do Equifax work it is unfair and I need someone to help me talk to these people I will find a way to sue equifax for each damage they have done to me and I will need help with that
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-03-25
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KS)

I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington National bank started a program called standby cash they offered me a line of credit at {$1000.00} beginning of XXXX. I used {$600.00} set up payments. The next week they dropped the line credit amount to {$250.00}! then reported to all credit bureaus that I was overutilizing my credit by 274 % this dropped my scores by 40 points! I am in the middle of purchasing a house. I called and made a complaint immediately, they said the system determines the amounts. The system can change the allotted credit amount. I had never heard back I call today, the supervisor says it states in documents when accept the line of credit can change. I would never have thought that they would decrease the line, then report me as negative and impact me in this way. I am infuriated and this is unfair credit reporting and practice.
Consumer complaint received 2022-03-25
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. (FL)

I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was contacted several months ago regarding this Capital One balance by XXXX XXXX   XXXX. I set-up a three month payment plan and received confirmation in XXXX that the {$720.00} balance had been paid. 
Now, the past couple weeks, XXXX XXXX has been calling multiple times every single day to me, my husband, my ex-husband and my mother about this Capital One balance. I honestly could not tell you the amount of times that they've called, leaving voicemails that they have a Fax Request to File Charges against me. And I need to call to schedule delivery. 
They also, gave my husband specific information about the transaction. To my knowledge they're not supposed to give any specific information to anyone that is not on the loan??? 
I have told them I paid this off, and I want to dispute the claim. 
Waiting on feedback from Capital One. 

The amount of calls and threat of having charges filed against me are ridiculous. 
And contacting individuals that are outside of the transaction have got to stop!
Consumer complaint received 2022-03-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, Transunion are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification XXXX and Transunion are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ 100and not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX nexis to prevent form being rejected as a repeat complaint Transunion also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.
Consumer complaint received 2022-03-24
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: Bread Financial Holdings, Inc. (VA)

In accordance with the Fair Credit Reporting act comenitycb/forever21 AC 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case, from a FTC Report with # XXXX. Please find the ATTACHED documents to assist in the removing of the pieces of erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$100.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX opened XXXX XXXX XXXX, XXXX XXXX Balance : {$580.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$810.00} XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$520.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$810.00} XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$100.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (NJ)

i did not authorize these inquires on my credit. 

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 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I was economically impacted by public health measures taken in response to the Coronavirus Pandemic. In addition to losing income, I was delayed by about a year in my ability to get required approval from my COA to rent my condo. I took advantage of my mortgage servicer 's Covid forbearance program in XX/XX/XXXX. 

Since XX/XX/XXXX, I have been requesting a loan modification in the hopes that 1 ) the payment would be lowered and 2 ) the balance accrued during the forbearance would be added to the back of the loan. 

In response to my request for a loan modification, I was sent paper Mortgage Assistance Application which I completed and uploaded to the Loan Solution Center on XX/XX/XXXX along with required documentation. I called on XX/XX/XXXX to follow up and was told the review process would be about 45 days. I followed up in XXXX via phone only to be told that I hadn't applied for a loan mod but they would grant me a deferment. Since then, it has been an endless loop of me requesting a loan modification, Citizens Bank saying " ok '', me following up and Citizens pretending I had neve requested a loan mod but offering a deferment. I sent a loan mod request in writing on XX/XX/XXXX. Today, they told me they can't see it because the loansolutioncenter.com is " backed up. '' I am beyond frustrated and I want to preserve the recordings of phone calls I have made to them, if they are recorded. I also want to be reviewed for a loan mod. Today they told me it would take 8 months for them to get a decision on a loan mod. However, they still won't admit I had uploaded a request for a loan modification but did provide an email where I could send my materials. They continue to pressure me to accept the deferment.
Consumer complaint received 2019-11-20
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: SYNCHRONY FINANCIAL (MN)

In XXXX a PayPal credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time XXXX  says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both PayPal and Synchrony Bank. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both XXXX  and Synchrony on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.
Consumer complaint received 2022-03-24
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. (MS)

Experian is still in violation of the FCRA by not removing the inaccurate XXXX account from my consumer report! They have not complied with my most recently submitted complaint submitted through the CFPB portal! Ive requested validation and copies of how they verified the information as being reported accurately, and Ive never been furnished any documentation. They are also reporting the entire account inaccurately by having contradictory charge-off dates! You have XXXX and XXXX as the Dates. You cant have both. The account number is also partially listed. Thats not complete accuracy! Everything has to be completely listed in order to verify the accounts accuracy! Nothing about this account is accurate!
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of the consumer