davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX. Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. Clarityservices.com, or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks
Consumer complaint received 2020-02-07
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

I started my comenitybank/victoriasecretpink card acount for four years and set up an automatic payment service to avoid late payment. However, last XX/XX/XXXX I started to receive text message which says " we keep missing you, call comenity bank @ phone number or log on the website. '' Since it's not convenient to call, I clicked the website and try to log in with my SSN, and the page turned to 404 not found. I thought it's a scam so I stopped after several attempt. Then I kept receiving text message and email with the same content, every time I tried to log in, it shows 404 not found and I feel confirmed that it's fraud so I didn't care. 

This month, I realized that my purchase in XX/XX/XXXX haven't show up in my checking account, so I log in through Victoria 's Secret official site and it showed I have two missed payments ( XX/XX/XXXX and XX/XX/XXXX ) and my credit report has been badly affected by this late payment. I failed to apply for another credit card for this reason. Eventually, I paid for the balance as well as the fine, but I don't think it's my fault since their website kept bugged out. And the late/missed payment record in my credit report is not a correct description. 

I have been a credit card user for almost six years and never missed any payment, there is no way I missed this small amount payment on purpose. And I don't think it make sense to lower my credit score because of the bank 's technique issues.
Consumer complaint received 2023-07-25
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-06-12
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. (KS)

In accordance with the Fair Credit Reporting act 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 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MIB Group, Inc. (NY)

The agent I talked to XXXX at XXXX today XX/XX/19 told me he couldnt gaurantee they wont cancel report sent to the reporting agancy called MIB. I also verified email requesting coverage was sent 7 days ago on my email it says delivered. MIB Its a medical information agency that makes a file on me for other insurers. The agent I worked with continued application for life insurance against my will. I asked to cancel the request before a decision rendered due to inacurracies on my medical file. I dont want my information reported by XXXX, or by XXXX  to MIB or other reporting agencies and hes not insured to work in XXXX. My personal information was requested to my doctors office against my wishes and now I have a file with MIB. They reported information about me using with spouse XXXX address. Also note the pre qoute application didnt have what I told to agent. He qouted me the non XXXX rate, and XXXX XXXX rate i believe. I told my agent everything and I know although the medication causing XXXXc problems is now gone since I went off the drug I have a black mark on my record. I doubled checked the email and it was sent to there office. The email is marked as delivered 7 days prior to the denial for coverage. He misrepresented the cost to me and put me in a position to be denied aswell. I should of had this file closed per my request. Not have them continue
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I find that my consumer file is being irresponsibly tampered with. Since XX/XX/2022 my credit score has not been updated ; and I have made several attempts to remind Experian of their duty pursuant 15 USC 1681.

It appears that Experian is intentionally and willfully being neglectful in remedying my affairs.15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have attempted to have these errors corrected on my consumer report twice via certified mail, and once by phone. The errors that I need corrected immediately, is my correct name, address, and a collections account deleted. 

On my phone call with Experian, I was provided with a case number which is XXXX to update my current address and my correct name. They have told me that the collections account was deleted, but it's still showing on my report. I have also sent them my drivers license and social security TWICE. I know they have received it because both times, because they notified me on their website 24-48 hours after I sent off the mail.

15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must promptly be removed. I can see in my Experian inbox a notification that says the collections account was removed, yet my credit report has still not been updated therefore the negative account is still on the actual account. I have a credit report with all 3 bureaus as well, and the Experian portion is completely blank and has been like that since XX/XX/2022. I have screen shots and tracking numbers to back up everything I have claimed in this letter, and I demand my credit report is updated IMMEDIATELY as it is effecting my livelihood severely. Please let me know if you need my current name and address, and the account numbers involved. 


Best Regards, XXXX XXXX
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

My VISA card has been debited by Experian the following for services I did request, elect, purchase, or agree to for any reason :XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00} Total {$100.00} I have repeatedly called XXXX the number shown on my Visa card monthly statement and the number shown on the Experian website, XXXX when I enter my SS 3 as requested by their voice response system it says I can't cancel my 'FREE ' Experian account. I have attempted to contact them to no avail on multiple occasions. 
I have also contacted my VIA bank and disputed these charges with no result.

I have now cancelled my VISA card and am reluctant to get another card due to Experian 's ability to access my CC card account and continue to bill me for this service I have never requested or used. The voice response system at Experian says I need to setup an account to login to Experian to manage my account, which I know better than to do. This would only verify the validity of my account and justify their billing.. The XXXX email address Experian is contacting me at is an email I never use, except when it is required and I don't want to be contacted any further. XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have several inquires and I have tried removing them, I did not do them, I never consented to any of them, I don't even know what they are, I have contacted them and the credit bureau and no one helps, they just keep transferring the call to someone else. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public XX/XX/XXXX XXXX reporters XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 's XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-18
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE XXXX XXXX I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$1600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are XXXX loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt XXXXollectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).
Consumer complaint received 2019-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I requested proof of standing that I was paying the correct servicing company. I also requested full disclosure and complete accounting history of the alleged debt, however I have been continuously harassed by alleged agents coming to my property without prior notification which has been highly embarrassing and degrading. Please have this company to comply under the FCRA/FDCPA and truth in lending act or void this alleged account.
Consumer complaint received 2021-02-18
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: Navient Solutions, LLC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX  XXXX, and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I was a victim of fraud with a check being cashed by someone other than the recipient. I mailed out a bill pay check through TD Bank which is a typed check mailed out directly from the bank to the recipient. This was a check made out to XXXX XXXX as it was an alimony check. It was cashed by someone whom was not XXXX XXXX and the actual signature on the back of the check is not even signed as XXXX XXXX. This check was cashed by TD Bank and fees pulled out of my account which also caused my account to go into arears thus I incurred added fees. Once I noticed this online I called the bank and was basically told tough luck you need to go to a local branch. Being I live most of the time in the XXXX XXXX XXXX said I can not do this since there is no branch here in which I was more or less told tough luck. Upon returning to the USA I went to my local branch and filed an affidavit of fraud with the bank. Since then I have called numerous times and been to my local branch with the very nice people that work there trying to get answers. I have been given a different story every time I call on the phone depending on whom I talk to from its going to be in my account to it could take up to 6 months for us to make a decision. I do not see what there is to investigate considering its more than obvious the check was cashed and signed by a different person with a different name. I have since filed a police report on XX/XX/19 with the XXXX XXXX XXXX office. This morning TD Bank called to ask about a check I wrote off my new account which they seem to do with every check now to make sure its valid and I asked the gentleman about the status on my case and he responded saying it was closed as of yesterday and I had to call the other division in the Fraud department to get the particulars. I did that and basically was told the fraud department didnt have any info for me over the phone and I needed to go to a local branch. After being persistent and explaining I will be leaving again to go abroad and can not be told this I was connected and a young lady gave me a different answer than I was given in the morning. I feel at this point TD Bank has stolen my money and really does not care. I will be going back to the XXXX where I have a family this week and it will be for a few months and will not be able to play the go to the local branch game. Any help will be so much appreciated in this matter.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

Attention dispute department CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.