davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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. (CA)

This account does not belong to me and has been on my credit report for some time. Equifax continues to report this account even though it is not mine. I am asking that this account be deleted because it is not mine. I have attached an identity theft report to the previous complaint XXXX. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Consumer complaint received 2023-01-18
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)

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 fil ing a legal complaint against you!
Consumer complaint received 2023-03-24
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. (MD)

There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.
Consumer complaint received 2022-04-03
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. (OH)

Hello I am submitting this complaint about the consumer reporting agency EQUIFAX. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EQUIFAX to validate or delete inaccurate accounts being reported on my consumer report. EQUIFAX responded with a false claim the accounts have been validated. EQUIFAX has yet to show proof or any contractual agreement to support the claim of the account being validated.
Consumer complaint received 2022-04-04
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 this account completely from my Credit XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
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. (CA)

On XX/XX/XXXX & XXXX I submitted a complaint XXXX Explaining that this account did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account for U S DEPT OF ED/XXXX and review all the identity theft information that I previously sent you.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Someone applied for loans from XXXX XXXX XXXX  and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone applied for loans from XXXX XXXX XXXX  and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Letter from XXXX XXXX XXXX XXXX XXXX states : I last paid on XXXX/XXXX/XXXX on a First Union credit card bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.
Consumer complaint received 2022-04-04
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)

I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to XXXX, XXXX, and Transunion. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that XXXX, XXXX, and Transunion are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX, XXXX and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, XXXX and Transunion wants to continue doing business with me they should delete the unauthorized items from my consumer report.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (ME)

I submitted a request for a free credit score in mid to late fall XXXX. When I received no reply, I submitted a second request on XX/XX/XXXX. Both times I included the requested copies of my Social Security card and driver 's license to verify my identity. To date, I still have not received any reply or a copy of my credit report. I contacted the reporting company ( Equifax ) via telephone on XX/XX/XXXX and was told no such request was on file and I should submit a third request, with supporting documents, to Equifax 's Dispute Dept. The customer service representative I spoke to was unable to provide any information on previous requests or how I could ensure my third request would be entered into their 'file. ' I found him unhelpful. A third request was faxed to Equifax on XX/XX/XXXX. Any assistance you can provide in ensuring I obtain a copy of my credit report would be appreciated. I am aware there are discrepancies on my credit report but can not address them without an actual copy of the credit report.
Consumer complaint received 2016-11-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC (TN)

I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (TX)

I noticed that a bill city collection was on my credit account. The original debt holder was a power company who stated that I had power with them in Indiana. Ive never lived in Indiana. Bill City informed me of all the documents that I needed to provide to them to verify it wasnt me. I sent them a police report that I filled regarding the identity theft, my lease agreement with my apartment complex during the time period of the power bill, my identification, and the information I had to complete with the identify thrift website. After doing all of this the account was removed from my credit report. I check my credit report Thursday XXXX XXXX because I received an alert that I new collection had been added to my account. Bill City had put the collection back on my credit. I called the em and the lady stated that she seen the paperwork and that it had been removed and then placed back on but the original best collect told them to place it back onto my credit report and that I needed to call them. I know that once a debt is sold to a collection agency the original collect doesnt have anything to do with it. She insisted that I call and they told me the same thing that they didnt tell them to put it back in my credit report that they sold it to them and had no say so. She stated that she would escalate my call to upper management to see what can be done to fix the issue. I still havent heard back from neither party and the negative account is affecting my credit and I need it to be resolved once again.
Consumer complaint received 2019-06-13
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. (TX)

Transunion refuse to correct wrong infomation there is infomation on my report that is not mine. I dont have any mortage on house or do i have car loans and address on here that are mine. And companies that i never worked at and credit cards that are not mine plus two account one s student loan that i never applied for our attended the school and i dont have any doucment saying that i was accepted at school and i spoke to the school at time when the deptartment of education started hassaring about the loan and school told me that i dont owe them or dept of education.and i have medical bill that was supposed to closed.and the worst part is they asked a question about my mother who has been died since XXXX.this very get me angry .who dare they bring my dead mother up. I want this infomation removed from my report. There address that are wrong and half them i never lived there.am tried of this These debit are not mine.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like stupid gibberish.
Consumer complaint received 2022-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.
Consumer complaint received 2022-07-20
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. (CA)

XXXX. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (AZ)

In XXXX of XXXX made a monthly payment of {$450.00} towards my auto loan viaXXXX XXXX. I received then received a notification from my XXXX XXXX credit reporting account that a payment was 30 days passed due. after further investigation I was able to determine that theres a continued glitch and error on my app that will no longer allow me to make XXXX XXXX payments via-MobileApp ( see snapshots attached ). I contacted XXXX and after multiple attempts they concluded that they are unable to fix the problem with my MobileApp.and that I needed to make all future payments via-phone call on their automated XXXX XXXX over a phone using my checking account information. I highlighted to customer service ( XXXX ) that my payment never went through due to system error with the XXXX XXXX and I shouldnt have been penalized for the late payment due to XXXX  technical issues. After multiple attempts to remove the 30 day late mark on my credit over the passed 2 months I have reached exhaustion and have had no resolution to fix my credit. 

I have had the auto loan since XXXX of XXXXand I had never been late on a payment until the faltered XXXX XXXX never processed my payment and severely damaged my credit ( see snapshot of payment history attached ). Im asking for a one-time good will gesture to remove the late payment reporting due to XXXX faulty MobileApp. This negative item is preventing me from receiving an extremely important loan for my business. Thank you for your consideration.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (FL)

Someone applied for loans from Sallie Mae Bank and XXXX XXXX  XXXX XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
Consumer complaint received 2022-04-04
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)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Well I have a hacker on my phone and he went through Venmo and hes taking my money and hes changing my passwords and he sending me pictures of myself at work he sending me pictures of little children and its been going on for months I can not get any help from XXXX or XXXX? or anybody and Im stuck with this hacker
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (AL)

I've already had a dispute with them resolved a XXXX XXXX before this issue occurred on XX/XX/2022. Logins front different XXXX were accessing my account login ( XXXX XXXX XXXX XXXX XXXX ). I stay in XXXX. I provided screenshots to Chime showing that at XXXX someone from XXXX logged into my account and at XXXX money was transfered to an individual I do not know. I also showed I did not log in until XXXX and my XXXX XXXX has had me at work from XXXX in XXXXXXXX XXXX so I could not have authorized this charge. They keep denying my claim no matter how many screenshots I show of XXXX states accessing my account and my location.
Consumer complaint received 2024-04-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

I requested a stop payment against a merchant name XXXX with my bank who is XXXX XXXX Account. I spoke to a XXXX over the phone to get this started. She told me I also needed to file out a form that she would send to my email. I received the form and was advised to sent the submitted form to XXXX. I have submitted this form NUMEROUS TIMES because they have Rejected my request to permanently Block After from any future payments out of my account. They keep sending this form back to me that I have had to make changes on each time because they're saying its missing info! Once I fill in the suspected missing info it still is sent back to me saying they are unable do a stop payment! Now mind you this last time I sent this form back I completely filled the entire page out without anything left blank and theyre still claiming missing information! I contacted them by phone again yesterday and explained to the rep what was going on but she didnt have the form in front of her to let me know what needed to be filled in or not she just told me to resend it. I told her I had filled in all the blanks so it shouldnt be a problem! But I got up this morning AGAIN and they have Rejected it again so what is the problem?! The merchant changed the dates they would be taking from my account and it isnt the same date I first gave XXXX the first rep I spoke to. I explained this also to the other rep I spoke to yesterday! The new dates and also the total amount in all they would be taking out my account in total would be {$28.00}! The date they would start taking from my account would be XX/XX/24 through XX/XX/24! I have put this on the form! They have Rejected it for me to put missing information! I will be sending a copy of the completed forms and the continous changes Ive made and it still isnt right apparently! I know I am sick of sending the same thing in over and over! To avoid all this I was told a form could be sent where I could file this form out WITHOUT having to print it off but unfortunately I had to go to a local store to print it off! I DO NOT MONEY TO KEEP GOING TO PRINT THIS FORM AND IT KEEPS GETTING REJECTED!
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX XXXX : {$220.00}, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX : {$1000.00}. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-04-16
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. (MO)

My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was XXXX. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX