davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
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. (TX)

WRONG SSN XXXX  : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX. 

XXXX XXXX XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2019-08-13
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. (IL)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however, XXXX and Transunion have not removed this on my credit report. I have contacted the ( 2 ) bureaus to fix this issue, but I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Lexisnexis has n complete information in my file, I have filed a complaint with you, Lexis Nexis replied thayt I should call an XXXX number they provided, That got me no where the person at the XXXX number said it was wrong department.
Consumer complaint received 2017-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX of XXXX i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my XXXX  report and found out that Bank of America had put the account back on only my XXXX credit report. It is not back on XXXX or XXXX I never received any letters from them or XXXX letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute letters to XXXX and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

A credit card call SYNCB/Care Credit was opened and my name and is now showing on my credit report. I have disputed the account but it is still showing and they have updated the information. I have sent over police report, FTC report, dispute letters, I have asked for a validation letter, but I have not received anything but an update on my credit profile. Please delete this from my XXXX, XXXX, and XXXX report. This has cause a lot of issue in my life.
Consumer complaint received 2022-04-02
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)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2020-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I received a letter from my bank stating that, after a revision of TransUnion, my credit score was XXXX. I never remembered it being this low, so I go on the TransUnion site. I put in my information, thinking I'm going to get a free report like XXXX or XXXX. I was little confused when it asked for credit card information, but it said it was for verification purposes, so I put the info in. Next thing I know I'm getting charged for {$26.00}. I called a rep, and he said it does say there will be a charge. Off to the right, in tiny font, in a window that looks like an advertisement, it says you're actually signing up for a subscription. I called the rep again, XXXX, and he stated he will close the account and issue me a refund. He said I would receive a confirmation, but nothing has arrived. This is terrible, and CFPB, you really need to do something about this. I've read hundred of complaints on the XXXX, XXXX XXXX, and other sites and I have seen that other people have experienced this same thing, and it would appear that nothing is being done. If your job is to protect consumers, you need to have TransUnion do something. They need to make it BOLD and CLEAR that you are buying a subscription service. They need to not put " this will be used for verification purposes ''. This is clearly deceptive and misleading. I have read about people having overcharges fees due to this nonsense. DO SOMETHING PLEASE!
Consumer complaint received 2023-04-04
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. (NY)

I am writing to request that the dispute settlement account from XXXX XXXX XXXXXXXX be removed from my credit report. I recently settled a debt with XXXX XXXX XXXXXXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (IN)

I went to pay on my load and as I was there I asked what loan number I was on, Because I wanted to set up payment plan. I was told by XXXX that they were no longer offering or had to offer one. Indiana state law says that payday loans retailers have to offer one which you have to pay off in 60 days. Tried to explain this but they stated they were pulling away from that. I would like to see if you can give me clarification on this. 
Thanks Date XX/XX/19 time XXXX.
Consumer complaint received 2019-08-13
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: Consumer Portfolio Services, Inc. (IL)

I sent a letter to CPS in XX/XX/XXXX regarding them pulling my credit on XX/XX/XXXX. I didnt give them permission to pull my credit. I included a copy of my ID and my report to show them I had a fraud alert and I should have been contacted before they attempted to pull any credit, but most importantly they should have verified the persons identity with them showing identification which clearly wasn't me. After I didn't hear back from them I contacted all 3 bureaus via letter XX/XX/XXXX and again XX/XX/XXXX til this date the inquiry is still on my credit report.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I received written notice from Freedom Mortgage Corporation on XX/XX/19 that servicing of my loan from J.G. Wentworth Home Lending, LLC was transferred to Freedom Mortgage effective XX/XX/19. Their notice indicated I needed to make all payments after XX/XX/19 to Freedom Mortgage, but they did not send me notice until XX/XX/19! I already made my current payment to JG Wentworth for XX/XX/2019. I have tried calling Freedom Mortgage, but their wait times are 25-30 minutes. I tried emailing through their online system, but their system limits characters so that only a brief sentence can be sent! Freedom Mortgage has gone out of its way to make themselves inaccessible to customers. Freedom Mortgage needs to get the XX/XX/XXXX payment from JG Wentworth since I paid them on time and neither Freedom Mortgage nor JG Wentworth gave me reasonable notice. ( Actually, JG Wentworth has yet to send me any kind of notice. )
Consumer complaint received 2022-04-02
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)

On XX/XX/XXXX I spoke with a supervisor and 2 employees, explained that I had an unauthorized inquiry on my credit report. I contacted the original creditors and they sent me supporting documents stating for the unauthorized inquiry to be deleted. The company never deleted the inquiry after multiple request.
Consumer complaint received 2020-11-21
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. (ID)

In 2016 I purchased a XXXX vacuum from a door to door salesperson, XXXX XXXX XXXX ( XXXX XXXX ). She came back about 3 days later to inform me that the vacuum was missing parts and needed repair. She took the vacuum, as a representative of XXXX, and never returned with it. I paid the bill a few months as XXXX had informed me the parts were on order, they were awaiting repair, etc. Once I became unable to reach her I stopped paying. I did also file a police report which the investigating officer discovered XXXX had pawned the vacuum. XXXX is a multiple felon who shouldn't have been canvassing door to door as she was unqualified in my area for a peddlers licence, and this is why. A XXXX XXXX  door to door salesman took advantage of me and stole a product stating she was representing XXXX.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (PA)

This is to ask BB & T Consumer team to remove hard inquiry recorded on my equifax on XX/XX/XXXX there is issue happened you guys pulled my credit twice for approval credit card application XX/XX/XXXX AND XX/XX/XXXX So i'm ask to remove it from my credit buearu i'm valued customer with BB & T i have active checking, busniess, credit card acounts checking edning XXXX XXXX XXXX credit ending XXXX
Consumer complaint received 2020-09-05
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: DISCOVER BANK (PA)

I have a loan with XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-04-04
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. (WA)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Equifax Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX : {$880.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance {$810.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital One credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called Capital One with the hope to get a resolve my balance and prevent any legal collection. 
During my call with Capital One I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the Capital One representative answered he cant settle for that amount but will ask for an approval, He asked for some for Capital One approval or decline my offer. 
After a few days of waiting, I called Capital One asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named XXXX XXXX  XXXX, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for Capital One approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( Capital One ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I am XXXX XXXX and I am submitting this complaint against ABILITY RECOVERY SERVICES ABILITY RECOVERY SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to ABILITY RECOVERY SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) ABILITY RECOVERY SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am a victim of Identity Theft. 

XXXX XXXX is reporting on Citibank collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (MD)

XXXX is reporting an account with IC Systems closed in XXXX of 2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and XXXX is illegally reporting false info and thus ruining my credit by not verifying properly.
Consumer complaint received 2021-05-04
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. (FL)

I am very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (CA)

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 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 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 2022-04-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without instructions