davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MO)

I have a collection from XXXX under Afni Collections. I have never had a XXXX account, I have requested verification of debt multiple times from Afni, and have never received anything in regards to the verification of debt. I contacted XXXX to get information, they only gave me the account opening date and closing date. They advised I would need to reach out to the collections agency for more information. The opening date XXXX provided for the account has me as a minor. This debt is also over 7 years old based on the account closing date XXXX provided and is still being attempted for collections. I have no idea where this account came from. Even when I was a child my family never had XXXX.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}
Consumer complaint received 2018-03-10
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. (CA)

Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a XXXX application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Owner XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-11
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. (AR)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Services Account # XXXX Medical XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (PA)

I started recieving unwanted phone calls from southwest credit collections agency from phone number XXXX they would call me at work I work Monday through Friday XXXX XXXX  to XXXX I had to block them because they call multiple times they even spam me with phone calls 3 calls in a row just a hour apart
Consumer complaint received 2019-08-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX  ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2018-03-10
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. (NC)

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-26
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX  XXXX There are also inquiries that need to be removed as well : 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 2019-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX There are also inquiries that need to be removed as well : 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 2018-04-11
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. (NC)

I sent the attached letter to Equifax and XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Consumer complaint received 2018-03-10
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. (MS)

Equifax reports a hard inquiry dated back XX/XX/2017 again once you disputed before. Some company called XXXX XXXX XXXX-no address or phone number listed. Strange! They have placed it back on my credit reportt this year. I have a credit report monitoring system that alert me when a credit report agency invalid report false inquiry like Equifax has systematically with my credit report status dropping my points to XXXX purposely sabotaging my credit profiles. I don't like it!
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

I have a fraud alert on my credit reports due to prior identity theft that requires manual verification of my application submission through a process of calling me at a number listed in the alert to confirm that the application should proceed. This is not a freeze or lock. 

I applied for the new XXXX XXXX through Goldman Sachs.  Almost immediately I received a rejection due to being " unable to verify my ID. '' Typically this results in a " we need more time to evaluate your application, '' followed by a call from an issuer 's fraud department to confirm my ID using their internal verification process, then proceeding to process the application. Goldman Sachs did not attempt to verify my ID and immediately denied the application without following the instructions in the fraud alert. 

I called into XXXX XXXX support, which ultimately ended up in an escalation to Goldman Sachs, who were unable to proceed and could not see the fraud alert on my credit report due to their automated system. Goldman Sachs was also unable to escalate the issue internally, denying that they had a fraud team capable of providing manual verification. 

Worse, the XXXX/Goldman Sachs system publicizes an alternate identity verification process that includes taking a picture of your ID with the device you're applying from - this process was never initiated.

Goldman Sachs advised re-applying, so I did. After a second rejection, I again called Goldman Sachs, and again escalated through four people who were unable to even see the fraud alert, much less process it, and who then suggested that I should remove the fraud alert from my credit reports then re-apply - leaving my accounts unsecured/insecure. 

For an issuer to suggest removing consumer fraud protections from a credit report because their automated system isn't properly built to handle fraud alerts. Past that, they're unwilling to follow established fraud protection procedures and have no manual process in place to validate consumer identity.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In accordance with fair reporting act conversion accounts : XXXX. XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SEC 602 A - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC ( 2 ) CONSUMER REPORTING AGENCY CAN NOT REPORT AN ACCOUNTS WITHOUT MY WRITTEN INSTRUCTION A CONSUMER
Consumer complaint received 2022-06-11
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. (AR)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  I Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX XXXX XXXX is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with XXXX XXXX XXXX. They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

I called Suntrust on last Friday about my account. And I told the lady not to shut down my cards I needed them and that I would call back once I get everything straight. Well they did anyway after I said not too. I have the right as a customer to not have my card shut down.so Im filling a formal complaint this is totally unacceptable as a customer I reserved my right at that moment as a customer and something needs to be done. So Im asking for that phone to be pulled because i said dont shut down my card all phone call are recorded.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2022-06-11
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. (VA)

1 ) I recently challenged the validity of XXXX XXXX account thats being reported on my credit report. 
2 ) After challenging this collection with XXXX, Equifax, and XXXX, the account was subsequently deleted and removed from XXXX based on the lack of ability to verify the accuracy. 
3 ) I noticed as a result of challenging this account with XXXX and Equifax they verified this same account. 
4 ) It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA.

5 ) 3 days ago, Equifax replied to my initial CFPB complaint " the account is no longer on my credit '' which is FALSE. In fact, it's still reflected on my file as " Closed '' under " Installment Accounts '' ( See attachment ). DELETE and REMOVE this account from my credit report immediately to avoid forthcoming legal action. 
I've attached XXXX 's results for your reference
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (CT)

Experian rightfully closed account XXXX belonging to XXXX back in XX/XX/2023. I never authorized nor had a contract for this account and didn't consent to it. It has actively been in dispute, and they are still reporting it while being disputed. They also are still reporting unverified late charges on several closed accounts with Dept of EducationXXXX and XXXX.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I checked my report for accuracy and saw an account for CREDIT COLLECTION SERVICE for Original creditor : XXXX in the amount of {$98.00}. I was in an XXXX marriage for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally came forward about the XXXX this year and the XXXX XXXX XXXX XXXX XXXX, and expedited the divorce. I am now on my own and in the process of trying to get XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX get a job and get my own place. I just started a new job, and now i am trying to get approved for my home. I am requesting deletion of this debt when paid in full. I am ready to start over with my XXXX
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I spoke to someone from this company a few weeks ago. They informed me there is a debt that is past the statute of limitations so they could not report to credit bureaus or file a XXXX, but that they were trying to pursue it. I told them that I do not recognize the debt and that I never received any paperwork regarding the issue. I gave them my address and told them I can not speak to them regarding the matter until I saw the details on paper. I never received anything from them through the mail, but they continually call my cell phone from different numbers.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NC)

I received a text message with the spoofed identity of a family member, requesting that I contact XXXX XXXX regarding a debt from Sun Trust Bank. I researched the corporate identity of XXXX XXXX and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that Sun Trust Bank had acknowledged as being invalid. More that thirty days after the declaration by Sun Trust Bank, XXXX XXXX continues in its attempts to collect the debt.