davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed  XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and I noticed that there were 7 late payments and 3 late payments with XXXX XXXX XXXX, and 4 late payments with XXXX XXXXXXXX XXXX XXXXXXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Consumer complaint received 2022-03-07
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. (NY)

I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021 EQUIFAX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.
Consumer complaint received 2017-09-08
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. (LA)

The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX
Consumer complaint received 2017-09-09
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. (IL)

Equifax, a consumer credit reporting agency, was recently ( estimated XXXX 2017 ) breached and sensitive customer data exposed to would-be identity thieves. Equifax had insufficient security in place to prevent this breach, and has tasked the consumer with following steps manually to freeze, monitor, and track their existing credit reports.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

On X/X/2017, I submitted an inquiry to see if had been impacted by Equifax 's breach. They then tried to have me enroll in XXXX which would have prevented me from seeking any legal remedies in the future for information that THEY lost!!!! CORRUPT and disgusting!
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

Please see the original complaint I filed along with additional documentation. You closed the complaint but it is NOT resolved and only getting worse. I ask that the CFPB please intercede to help correct the issues on my credit card account. 

Original CFPB Case XXXX
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer reports and noticed there was a closed account by the name of XXXX  the account has inaccuracies reported account is currently paid off and closed and has been affecting my credit negatively.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

The sale of my home closed XX/XX/2022 : with {$1900.00} in the escrow account. I have not received a disbursement for those funds despite having notified ServiceMac on three occasions that their checks were not received. Each time, Im asked to wait 30 days before they will attempt to reissue payment. On my last call, I provided bank information and was advised that an ACH would be processed to my account on XXXX, XXXX. Instead, another check was allegedly issued and ServiceMac is refusing to stop pay and complete the ACH as promised.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

On XX/XX/XXXX my bill for account CAPITAL ONE BANK USA Opened XXXX XXXX, XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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. (PA)

Equifax mishandled my information which has led to a breach that put myself, my family, and millions of others at potential risk. Further, Equifax has failed to professionally handle the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I was never the recipient of an email, letter, or phone call notifying me that my personal information was stolen, and instead found out via social media.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My personal and credit profile information were obtained as part of the XXXX XXXX breach of the Equifax database. This was verified on the Equifax website today, XXXX XXXX, XXXX. This is extremely disconcerting and as an individual who spent the last 18 months rebuilding my credit, very frustrating. The delay in letting customers know of the breach is also unacceptable. 

I do not know what impact this has had, or will have on my credit, but I was hoping to purchase my first home next year. Should my identify be used fraudulently, I ca n't imagine what impact this could have on plans for my family or future.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc (NJ)

Received a letter in the mail regarding an amount from a hospital visit recently. I called the agency directly and ask for further details of the debt. They wanted me to verify who I am by asking for sensitive information. I did not comply and asked them to simply send me the details of the supposedly debt so I can verify it with the hospital. Also I called the hospital directly to verify the debt and they did not find such debt on their records. They refused to work with me not provide any details. I called a second time with no results. I emailed the company and received no reply. At this point I believe they are fraudulent. 

Their information is below ; certified credit and collection ( certifiedccb.com )
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Based on the Equifax security breach, I have been identified as a victim of the data breach. It is assumed that my social security, driver 's license, and other personal information has not been secured and is now public information.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named XXXX responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on Transunion. The company named XXXX spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the Transunion and disputed it. It was appalling to see that Transunion wrongfully said that the fraudulent information on my credit report as reported by XXXX was accurate. I complained to Transunion on Live Chat and they said to re-dispute. What XXXX did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. XXXX said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and Transunion has not honored my credit freeze and security alert. THIS WAS WRONG FOR tRANSUNION TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by XXXX without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. Transunion knew better but decided to do wrong also. Please correct this
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

This week ( XXXX/XXXX/2017 ), Equifax disclosed a security breach in which 143 million US customers of the agency had their personal information taken. I checked on https : //www.equifaxsecurity2017.com and the site alerted me that my personal information may have been impacted by this incident. This amounts to improper use of my personal data by having it disclosed to 3rd parties without my consent ( even if Equifax is a victim in this case as well XXXX.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

I reviewed my credit report several months ago and noticed several accounts on my credit file that do not belong to me so i contacted the creditors to notify them that these accounts are not mine and filed a police report because i have been a victim of identity theft. This company has refused to removed the negative account from my file.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX, I logged into XXXX XXXX  and saw a new account reported under my name for XXXX XXXX for the amount of {$310.00}. The account was initially opened in XX/XX/XXXX. There is no way this account is mine because I live with my parent for the past 3 years. I haven't signed my name over to anyone to open an account for XXXX XXXX. I suspect this is fraud under my name. I have lost my social security card a few years back but made due with a copy I have. I think someone has stolen my identity.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Subject : Formal Complaint Against TransUnion - Violation of Consumer Rights Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a major credit reporting agency, for egregious violations of federal consumer protection laws. My case highlights a severe breach of the Fair Credit Reporting Act ( FCRA ), necessitating your urgent attention and intervention. 

Despite my persistent efforts to dispute fraudulent accounts on my credit report, TransUnion has failed to uphold its statutory obligations under the FCRA. Specifically, my attempts to exercise my rights pursuant to 15 U.S. Code 1681c-2, which mandates the blocking of information resulting from identity theft within 4 business days, have been met with non-compliance from TransUnion.

Furthermore, my disputes concerning the fraudulent accounts have gone unanswered, contravening the provisions of 15 U.S. Code 1681i. This section requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a consumer dispute. TransUnion 's lack of response not only dismisses my consumer rights but also undermines the credibility of the credit reporting system. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes necessary actions to ensure TransUnion 's compliance with federal laws. I firmly believe that my case serves as a critical example highlighting the pressing need for robust oversight and enforcement to protect consumers from the adverse impacts of identity theft and credit reporting inaccuracies. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will address this complaint with the urgency and effectiveness it deserves. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting 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 have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX. These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I put in a dispute over the phone through Transunion and XXXX in reference to XXXX hard inquiries that were not factual on my credit report I was told that they have been investigated and are accurate due to them undergoing investigation. However, the fact that I received a response 4 days after I disputed the inquires, one can assume that there was no investigation into the matter.