davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (TX)

I called the credit bureaus and let them know the following accounts on my credit report should not be there and are not to be reported to my credit. 



XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number : XXXX XXXX. account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX This is aggravated identity theft. I never gave them written consent to report them. This notice is to inform you that you are unlawfully reporting unathorized items on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with theses companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

I have contact Experian to have unauthorized inquiries remove from my credit report. They advised I must submit in a complaint to have them reviewed. Please review my hard inquiries below and remove them as theyre unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-30
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. (AL)

There is information on the equifax report that I never incurred. I have asked for an investigation to be initiated which was done and I was given a reference number to that fact. I never received the results of the investigation. Furthermore Eqifax states they can not verify me. If that was the case then how would they give me a reference # XXXX   and let me know the investigation is in process The information that I requested to be removed since it is not mine is as follows : 1 ) XXXX   opened XX/XX/2015- XXXX XXXX XXXX.

2 ) XXXX   Opened XX/XX/2013-XXXX XXXX XXXX
Consumer complaint received 2020-08-02
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)

After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote Equifax about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, Transunion, and XXXX, but I was unable to complete my request. The XXXX  site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
Consumer complaint received 2023-04-01
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-26
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. (CO)

XXXX XXXX XXXX  Account illegally sold the debt to XXXX XXXX XXXX. in accordance with Colorado Law SB 20-211 and the Fair Credit Reporting Act ( FCRA ). 

Colorado passed a law ( SB 20-211 ) prohibiting judgment creditors from initiating new " extraordinary '' collection actions, unless specific legal requirements were met. Under this law, before taking any action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment on a debt as defined under the Colorado Fair Debt Collection Practices Act, the creditor has to notify the debtor about, and provide the debtor with, a garnishment and collection suspension, if requested. 
As permitted by SB 20-211, the Administrator of the XXXX XXXX XXXX XXXX extended the right to get a garnishment and collection moratorium through XX/XX/2021. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, 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 2023-04-01
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)

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-06-14
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. (NJ)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2020-08-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

I have continually been steered towards forbearance and now to pay interest only. I am paying roughly {$1100.00} in payments each month and believe it is only going towards interest and not paying down my principal. They have lead me towards forbearance multiple times instead of an affordable plan. Any helpful things I have found on my own and was not guided by a professional. The website is too hard to maneuver and repayment plans were not easy to figure out. Im sure there are multiple recorded calls with me asking for help and not receiving educated/correct help that would not lead me to the position I am now in.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (MO)

On XX/XX/ I received an email ( attached ) from MCM stating they were a debt collector and were the new owner of a XXXX XXXX XXXX debt that I owed. In the email it states that I could write to them and request the information. I replied in email on XX/XX/23 and requested all of the information according to 15USC 1692g section 809 ( b ). I stated no reporting to credit agencies until I had an opportunity to verify the debt. I continued to received weekly emails and phone calls from them. On XX/XX/ I received a phone call at work ( I answered the office phone ). It was a woman stating her name was XXXX XXXX and she was a compliance XXXX in XXXX XXXX with an order to locate me and had papers to bring for my signature at work. I told her that she had the correct work address for me and she could bring the papers anytime. I also told her not to call my employer again because I could lose my job. She gave me an XXXX phone number and a case number to refer to so I could contact the " filing party ''. I asked her what company she was with and she refused to give me a name of a company. Approx XXXX minutes later, I received a phone call from my under age son stating he had gotten a voice mail from the same person. On XXXX she called my office again, this time I did not answer the phone but a co-worker did. My co-worker stated to her that she was already told not to contact my employer. She stated " Well tell XXXX we will be there today to serve her the filing papers ''. My co-worker took the number down from caller ID. It was XXXX. Later that afternoon, I received a call from the same number on my cell phone. I have attached the message that was left on my cell phone. After receiving that voice mail, I called the XXXX phone number. They did not answer with a business name. I asked twice who the company was before they gave me an answer. I was told at first that they didn't have to tell me who they were, I gave them the file number that was left on my cell phone, then they told me it was Midland Credit Management. This is 4 months after I wrote to them and asked for the verification and information that still has not been provided but now they are claiming they have several accounts in my name. On XX/XX/ I logged into my email, and found an email from them dated XX/XX/XXXX stating that I could click the link to chat with an account XXXX. I clicked that link. I copy and pasted in it's entirety, the letter I had sent them requesting all documentation of the debt back in XXXX. I then at that time told them to cease and desist all contact with me on any and all accounts with my name on them until they verified ALL of the information I was requesting. 
The phone calls have stopped, but I am getting 3-5 emails a week from Midland and discovered today that they have reported negatively on my credit report which they were instructed not to do until the debt could be verified.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (IL)

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 XXXX XXXX has me at a score around XXXX. 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 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 XXXX rep 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 XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2023-04-01
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. (SC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2020-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (MD)

I have been using the XXXX XXXX for years and I connected one of my PNC accounts back then. Now when I am trying to change my account number, it says PNC does not participate in this function. It doesn't really make sense since I currently use my PNC account. A friend of mine was trying to join XXXX and use his PNC account but he got the same message. 

I don't understand why they won't allow XXXX to connect? It's a secure app. I have been using it for years and never had an issue.
Consumer complaint received 2018-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion on XX/XX/XXXX regarding hard inquiries. After reviewing my credit report I noticed that I had been a victim of their inquiry issue, where there were hard inquiries added to my credit report that I did not give authorization for. The customer service woman refused to listen to me and kept talking over me after she asked me a question. She told me I needed to contact the companies myself, which I explained to her that I already had contacted these companies. She then proceeds to tell me that if I do not contact the creditor there is nothing she can do. Transunion reinserted previously deleted information so why would I need to reach out to the creditor when this is their problem? 

These are the inquiries that are a problem ( along with many more ) : XXXXXXXX XXXX XXXX XXXX XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance  XXXX XXXX XX/XX/XXXX, Automotive XXXX XXXX XX/XX/XXXX Finance
Consumer complaint received 2024-02-08
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. (NY)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-06-14
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. (MI)

XX/XX/2023 I sent over a letter to the 3 credit bureaus of several accounts that were reported fraudulently and must be removed from my report. Credit bureaus has not responded at all.

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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

RE : Case Number : XXXX XXXX XXXX ref : XXXX : ref On Monday, XX/XX/2023, I cashed out {$300.00} to my XXXX XXXX  ending in XXXX. ( See Attached Exhibit A ) This XXXX is linked as a Debit Card to my Checking Account at XXXXXXXX XXXX ( Account ending in XXXX ). I pointed this out to customer support and they wanted me to contact XXXX XXXX XXXX XXXX. XXXX claims that they gave XXXX XXXX XXXX XXXX a deposit amount of {$290.00} and that I should contact them to get my money back. 
Support claimed that they would investigate. I gave Support all of the above information as requested including information demonstrating that I had previously cashed out {$100.00} at XXXX am on XX/XX/2023, to my XXXX ending in XXXX ( Exhibit B ) and said funds appeared immediately in my Checking Account ending in XXXX at XXXX XXXX in XXXX, NJ. ( See Exhibits C and D ) Later Support claimed that [ b ] ased on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result [ my ] dispute has been closed.
Consumer complaint received 2020-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MO)

1. Wells Fargo repossessed vehicle without sending Notice of Default and Right to Cure. 
2. Used stimulus check to get payments caught up. Then requested loan payment deferral due to covid layoff. Wells Fargo denied the deferral, and shortly after repossessed the vehicle. 
3. I have the funds to get payments caught up in full, they will not allow me to pay anything except the outstanding balance.
Consumer complaint received 2018-12-31
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. (FL)

I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.