davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (CA)

We have lived at our current address for 27 years- We owned our house- Free and Clear in XXXX XXXX No mortgage. We have XXXX Cell phones for let 's say over 10 years. 
I never had a XXXX USA phone nor did my wife open up an account in XXXX XXXX  with XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for 30 years and I have 22 years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my husband says that XXXX is the victim!!!!
Consumer complaint received 2022-03-16
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)

We have lived at our current address for XXXX years- We owned our house- XXXX and XXXX in XXXX XXXX XXXX mortgage. We have XXXX XXXX phones for let 's say over XXXX years. 
I never had a XXXX  XXXX XXXX XXXX did my wife open up an account in XXXX XXXX  XXXX XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for XXXX years and I have XXXX years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my XXXX says that XXXX is the victim!!!!
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MI)

I got a collection letter from Dynamic Recovery Solutions from an original creditor XXXX. The amount they said I owed was XXXX, but they would settle for XXXX by XX/XX/XXXX. I called this collection agency and was told the debt was from 2008. I called XXXX immediately after telling the agent I did not owe this debt. He argued so I told him I was going to call XXXX and then report them to you. XXXX confirmed that I had no back due balance, that my acct was paid in full. There is no collection against my credit. I just checked. I don't want this to hurt my credit. Their info is Phone : XXXX. Address XXXX XXXX XXXX, XXXX, NC XXXX. Thank you, please help me.
Consumer complaint received 2022-05-05
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. (TX)

XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and Transunion. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-05-05
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. (NC)

In accordance with the Fair Credit Reporting Act, 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 an 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 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

According to the fair credit reporting act 15 USC 1681 I have the right to privacy, also according to to 15 USC 6802, No financial institution is supposed to share my information to third party people, my personal informations shall not be shared without my written consent, which I havent given you. This account below is Violating every single one of my consumer rights, informations on the account are inaccurate and I want it removed from my report. 

XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-05-05
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 usc 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 2022-03-16
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. (FL)

I am asking you to look into XXXX. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that XXXX puts the payments XXXX makes from direct bank payments, to where XXXX wants to apply them. Who does this? This also happened during Covid. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NJ)

Chain of events On XX/XX/XXXX someone accessed my account fraudulently and tried to do two wire transfers for {$2500.00} and {$7500.00} ), one successfully ( the {$7500.00} one ), using money from my XXXX XXXX  line of credit. 
My balance in my checking account at the time was approximately {$390.00} I reported the incident to Citibank immediately and to CFPB on XX/XX/XXXX after I heard nothing from Citibank On XX/XX/XXXX Citibank returned the {$7500.00} to my account, confirming it was due to a fraud Since XX/XX/XXXX I had no access to my accounts On XX/XX/XXXX I went to the XXXX XXXX, NJ branch and closed all my accounts. 
To my surprise, my available balance was not the original {$390.00} before the fraud, but a negative balance in my XXXX XXXX of around {$250.00} People at the branch told me I was supposed to receive a check for my original balance of {$390.00}. To date I heard nothing from Citibank It appears the disconnect is that the line of credit was charging me interests, which Citibank never refunded to me. 
* On XX/XX/XXXX, I wrote to Citibank, requesting the balance due. To date, I heard nothing from Citibank
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

These folks at XXXX XXXX are something else! They sold my loan a month after inception and the account is still showing active when I sign in to my account. I want this account closed in good standing on credit report. In addition, I paid them my first payment on XX/XX/XXXX and the new servicing bank has not received payment. I want to make absolutely sure this payment is applied on the date it was made.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
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. (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. 

XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-05-05
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. (FL)

Hello. 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 XXXX XXXX XXXX and XXXX XXXX, have all 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 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 2022-05-05
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. (FL)

Hello. 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all 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 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 2022-03-16
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. (LA)

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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (PA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MI)

There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - XXXX Experian. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. XXXX
Consumer complaint received 2022-03-16
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)

The consumer reporting agencies ( Transunion, XXXX and XXXX ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR TRANSUNION, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXXXXXX XXXX  XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - Equifax- XXXX. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. XXXX
Consumer complaint received 2022-05-05
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, 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 an 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