davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. 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 2018-07-31
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: EQUIFAX, INC. (CA)

There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency.

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2020 Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX , MO XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX EQUIFAX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00}
Consumer complaint received 2021-06-25
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. (NY)

I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2018-04-08
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 (CA)

to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has calls such a major heartache on me financially and  mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

I got a letter in the mail from TD bank stating they are changing their overdraft rules. I have never opened an account with TD bank. I called TD bank and told them about it and they filled out a form then told me to report it.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX,XX/XX/XXXX XXXX Account XXXX XX/XX/XXXX********, XX/XX/XXXXAccount # XXXX,XX/XX/XXXXXXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, Dept of Ed/XXXX..Account # XXXX,XX/XX/XXXX Account # XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I applied for a interest free 24 month credit card with Best Buy and after the 24 months they are charging me back interest from the date 24 months ago, I was told the credit card was interest free for 24 months and now Citibank Best Buy is trying to charge me {$3700.00} in back interest.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX I applied my " cash back '' towards a credit on my balance but in order to do so I had to cancel auto pay for this transaction to happen expecting it was just temporary in order for the transaction to go thru. I also confirmed that my auto pay was still activated therefore it will still automatically make my payment. 

On XX/XX/XXXX without being aware, my autopay was cancelled but definitely not by me as I did it on the XXXX temorarily for that transaction yet as stated autopay was still activated. 

On XX/XX/XXXX when I didnt receive a payment receipt notice I log online and notice that my auto payment never took and I was charged a late fee so I manually posted a payment. At this time I reconfirmed that autopay was activated. 

As my auto pay being activated it should of made a payment.
Consumer complaint received 2018-07-31
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. (FL)

MY NAME IS XXXX XXXX XXXX XXXX. 
you have is wrong again! its not XXXX XXXX XXXX XXXX, XXXX XXXX XXXX name identification number XXXX and XXXX is wrong! 
Still have XXXX XXXX credit card, XXXX XXXX XXXX Credit card joint account with XXXX XXXX, 2 accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX joint account with XXXX XXXX. for the 5th time XXXX XXXX stole my identity. He opened these account using my identity. He posed as me to open these account. I never opened these account. I received a letter from you Experian that you took off XXXX XXXX i uploaded this on file its still on my credit report you failed to take it off. You also stated in a letter you received my information about identity theft so why the fraud and identity theft still on here XXXX and XXXX XXXX fixed this and not no long reporting this but you are. I uploaded this as well.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Private, Special, Good Faith, Trade Secret Correspondence. 

Writ of Quo Warranto and Affidavit of Invocation : Invoking Usufructuary Rights and Executor Authority Mandate for Enforcement of Private Judicial Notice and Legislation Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Divine Adjudication Acknowledgment : " Let XXXX be our Judge as He has set the Watchers to watch over Man '' To : XXXX XXXX Equifax XXXX XXXX XXXX ( inclusive of successors ) XXXX XXXX XXXX, XXXX. 
XXXX, Georgia To : Equifax XXXX XXXX XXXX, XXXX. 
XXXX, Georgia From : XXXX, Executor Office of Precedent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, This writ, affidavit and notice serves as an unequivocal invocation of the rights vested in my role as Executor of the Precedent Vested Landed Estate of XXXX XXXX XXXX XXXX XXXX As the Certificated Security Holder of the principal debtor/Franchise/XXXX XXXX Trust XXXX XXXX XXXX, I am actively invoking my right to manage all affairs pertaining to the principal debtor and to enforce compliance by your agency with the established principles of the Law Merchant, the mandates of the Administrative Procedure Act, and the obligations set forth in the XXXX XXXX XXXX, which govern your conduct and reporting practices. 

By issuing this XXXX XXXX XXXX of XXXX XXXX, I invoke the creation of a constructive trust, thereby imposing upon you fiduciary duties due to the unauthorized use of the certain estate 's credit information, which constitutes responsibilities akin to those of a usufructuary. 

This notice challenges any ultra vires actions undertaken by your agency, and as per your obligations under the XXXX, demands the correction of inaccuracies that have arisen from your reporting. You are required to demonstrate proof of the legislative or authoritative basis that permits your enforcement of certain credit instruments, as requested, pertaining to the estate. Absent such verification, I invoke my right to demand the cessation of any reporting activities that infringe upon the estate 's rights, as will be detailed in the comprehensive factual document that follows. 

See attachment for full Writ.
Consumer complaint received 2022-06-10
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. (MD)

After perusing my credit profile and series of corresponding, I had noticed so many discrepancies/inaccurate/error reports on my credit profile account. 
This has greatly violated my right under fair credit act 15 U.S. Code 1681s2 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. And not limited to 15 U.S. Code 1681c I request that all these accounts be deleted from my credit file.
Consumer complaint received 2024-02-27
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. (TX)

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 2021-06-26
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 was notified that in XX/XX/2021 there was a account with XXXX XXXX that was unpaid under my name that does not belong to me. I opened up a dispute with both experian and XXXX about this account that didnt belong to me. I got notification that my dispute was closed because XXXX confirmed the information is accurate. Each time I have spoken to the fraud department at XXXX they have not been able to tie any open accounts to my name or social so I dont understand how they are able to verify this inaccurate information. My credit score is clean and I have not defaulted on any of my payments in the past. This inaccurate report is affecting my credit score and report and I cant seem to get it taken care of appropriately.
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Capital Services, Inc. (CA)

In XX/XX/XXXXACS sent letters to me at an incorrect address attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I finally became aware of the late fees in XX/XX/XXXX. I contacted ACS, gave them my insurance information and the debt was paid in full. In XX/XX/XXXX I  again received a notice saying I owed a debt to XXXX XXXX XXXX XXXX for the same incident. I called my insurer at the time of the incident and got the reference number for the payment made to ACS. I contacted ACS and gave them this reference number as well as the information of my secondary insurer at the time. Once again in XX/XX/XXXX I received a notice saying I owed a debt to XXXX XXXX XXXX  for the same incident. I spoke at length with two different people at ACS ( XXXX XXXX & XXXX ... see attached phone records ). I explained to them in detail what was happening and they claimed that they could not find any information in their system that matched my name or social. I was assured that the matter would be looked into & resolved and that I would receive a call back. I never received any follow up correspondence and now they have posted a collections account to my XXXX credit report ( see attached screen shot ) causing my score to plummet 51 points overnight. 
I called again today and spoke to another manager ( XXXX ) who treated me as if my frustration was somehow unjustified, denied that the company had dome anything wrong and told me once again that she could find no account that matched my information and told me that I would have to prove to her that they had reported something false on my credit report.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

My Personal information was stolen in XXXX since then I've been seeing alot of unauthorized accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized accounts have been found on my credit report please investigate and remove all inaccurate accounts i have listed immediately, the following includes : XXXX Bank XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

on XXXX of 2020 i leased out an apt unit at XXXX XXXX in XXXX Texas. When i got approved for the apartment, because of covid-XXXX XXXX, no one came to inspect the apartment. on the first day of move in i noticed the apartment had mold, vents and fridge were dirty and patio wood was scratched up, and i was getting ready to deliver my newborn baby. when i called the leasing agent that helped me she gave me a number to the maintenance. I called numerous times to maintenance about the problem but no one ever picked up, so i left a message. this went on for weeks .when i brought it up to the leasing agent she said there was nothing she could do about it because of covid they weren't allowed to come into the apartments and i wasn't allowed inside of the club house that the leasing agents worked from. i dealt with this as the months went by, but when it came to me being due for birth delivery i could no longer stay in the apartment due to health reasons. I moved out but continued to pay rent each month. when it came time to moved me and my mother cleaned the apartment and left everything how it was when I first moved in. Now the apartment is saying i broke the lease and owe {$1800.00}. i never got my deposit of {$300.00} back and they never explained why i owed that much if i left the apartment exactly how it was when i first moved in. property manager XXXX XXXX was very rude when i called and asked what was the reason i was charged so highly.
Consumer complaint received 2024-02-27
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. (AL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX bal. {$190.00} Acct # XXXX
Consumer complaint received 2018-07-31
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: Bread Financial Holdings, Inc. (IA)

I noticed a hard inquiry that was on my credit report from XXXX/XXXX on XX/XX/2018 which I didnt request. 

I called their customer service number and the rep told me they do these randomly to increase credit limits. I informed her I dont need a credit increase and she told me there was nothing she could do.
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

On XX/XX/2018, I made a {$5000.00} payment to my loan. This payment is not a monthly payment, as my loan is currently in deferment while I attend school. It is an extra payment. I have asked via phone and submitted via letter standing instructions for all extra payments to be directed towards the interest of my unsubsidized loan, followed by the principle of my unsubsidized loan, followed by the principle of my subsidized loan. 

Despite this my payment was automatically divided up between my direct subsidized loan and my direct unsubsidized loan. On XX/XX/2018 I called XXXX XXXX and spoke with a representative requesting that my payment would be distributed in the order specified above ( first to the unsubsidized loan components, then any remainder towards the unsubsidized ). Because the {$5000.00} payment was more than the remaining balance of principle and interest on my unsubsidized loan, I asked the representative to ensure that the unsubsidized loan balance would be paid off in full. She confirmed that this would be done. 

Shortly before XX/XX/2018, I noticed that the XX/XX/XXXX payment had been redistributed. {$4300.00} had been applied to my unsubsidized loan and the remaining {$620.00} was applied to my subsidized loan. However, my unsubsidized loan still held a balance of {$100.00} principle and {$1.00} interest. 

On XX/XX/2018, I called XXXX XXXX to ask why the XX/XX/2018 payment was not distributed according to my instructions and had an unsubsidized loan balance remaining. The representative said that my instructions were clearly stated in the call request and she did not know why the balance was not reapplied as I instructed. I spoke with a supervisor who flagged the issue and sent it to the accounting team. She assured me that my payment would be correctly distributed and visible in my account within 1-2 days. After a week the payment has still not been applied according to my instructions. The unsubsidized balance continues to accrue interest and carries a {$100.00} principle.