davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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)

Reporting inaccurate hard inquiries on my report without consent. I did not signed any application for an account or to obtain any product. These hard inquiries are unauthorized and invalid. They are not validated here are the inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Experian Total due XXXX Letter was sent but no response XXXXXXXX XXXX XXXX XXXX XXXX  was sent no response XXXX XXXX XXXX XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Consumer complaint received 2021-07-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$500.00}, {$1000.00}, {$300.00}, {$100.00}, {$35000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account.
Consumer complaint received 2022-04-02
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. (PA)

There is an incorrect address associated with a fraudulent account on my credit file That reason can't be processed online. Can you please remove the address and account please. 

This Address was reported to Experian byXXXX XXXXXXXX Address XXXXReport numberXXXX
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.
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 is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Equifax and XXXX  monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called Equifax and they want me to pay {$15.00} to receive a detailed review. I am not paying Equifax anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although Equifax has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Section 802 states that abusive practices - unfair debt collection practices by many debt collectors contributes to a number of personal bankruptcies to marital instability, to the loss of jobs, and to invasions of individual privacy. This is extremely unfair and demand the following accounts be removed from my credit report
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In XXXX, I refinanced my mortgage with XXXX XXXX ( XXXX XXXX XXXX ). The first payment was due on XXXX/XXXX/2020, and the payment was received by XXXX XXXX and processed on XXXX/XXXX/2020. On XXXX/XXXX/2020, my loan servicing was transferred to BSI Financial ( https : //www.bsifinancial.com/ ), however BSI has still not recognized the payment I made to XXXX XXXX, and show my loan as delinquent. Despite repeatedly calling them, they have made no apparent effort to contact XXXX XXXX to locate my payment.
Consumer complaint received 2021-02-02
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: Sarma (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SARMA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-05-04
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: JPMORGAN CHASE & CO. (NC)

I have received a copy of my credit report and it shows company JPMCB CARD  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

I submitted a compliant with you all about a month ago on Sagestream LLC. They in their response to you all they said that I could fill out the request to freeze my report online through their response to you all and I did email them the form to freeze my report but to this day it has not been frozen yet. I haven't heard anything from them since I filled out the form to have my reports frozen on their website via CFPB response from them
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

when i visited XXXX all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 2021-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I signed up for a XXXX account to help boost my credit score but this company has done more harm than good to my score. I had downloaded the XXXX app and tried on 4 different occasions to make a payment towards my account but XXXX  couldnt connect to my bank account nor would it allow me to make a payment via credit or debit card. I tried calling the company but they keep saying no one is available to take my call and try again or send a email. When I sent a email i was told it would take 7 days for a reply and now they are reporting my account 60 days late when it was their fault
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I was alerted to the renewed fraudulent activity from a credit report I sent off for so that I could once again renew a freeze on my credit. This is the second time I have had to do a police report due to this woman 's continued use of my identity. I have been married for the last nine years and any and all documents, credit cards, loans or otherwise are under my married ( XXXX ) name not my maiden name ( XXXX ). I will be sending a copy of my social security card as as my current drivers license and the police report that clearly show that my name is XXXX XXXX XXXX, NOT XXXX XXXX. I sincerely hope this matter will be cleared up quickly, for this is the second time I have had to send my information due to this company 's reluctance to close this account. The reason for not closing this account is unacceptable. I sincerely hope I do not receive a second letter stating that because the company is sending a bill to a fraudulent address that my account will not be closed. If this happens again I will be seeking legal counsel because I believe that I have shown all the proof required for this account to be closed.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MO)

I AM NOT IN THE XXXX, XXXX XXXX XXXX!!!!!!! See Title 18, Section 241 and 242 Violations ; My Constitutional Rights to Privacy, Freedom of Speech, Freedom of Thought, Freedom of Location, and Free Will were eradicated beginning on XXXX, XXXX, XXXX and is ongoing. I am NOT a clone nor am I a XXXX XXXX. I do NOT have a twin relative, XXXX  or alive. I am NOT a celebrity or public figure. All of my personal identifying information became public knowledge. The breach is ongoing. Between XXXX and XX/XX/XXXX, both my Birth Certificate and Social Security Card were stolen. This include a XXXX XXXX, MO XXXX 's XXXX # XXXX, which expired XX/XX/XXXX. Recently, my XXXX XXXX ID # XXXX, which expires XX/XX/XXXX and my replacement Social Security Card were both stolen by the XXXX Police Department XXXX XXXX, CA. I suspect 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 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

I am a victim of identity theft. I previously mailed this company notification of the identity theft and did not hear a response ( although I mailed it to XXXX and to be fair they were hit by a hurricane a few days after ). I did not live at XXXX XXXX XXXX, nor have I ever. My address at the time was XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX. You XXXX call the XXXX Apartment complex and confirm that is where I lived. I never met or spoke to any representative from XXXX XXXX which is the apartment building located at XXXX XXXX. My apartment at XXXX XXXX XXXX was robbed and my identity documents were stolen. I filed a police report with the XXXX Police Department after the theft. The police report number is : XXXX Several utility and credit accounts were also opened in my name using this fraudulent address. I alerted all creditors who did an investigation and found the accounts were not opened by me and they removed the accounts from my name. I filed an FTC identity theft affidavit to alert to FTC to this fraudulent address being used in my name. Attached to this complaint are letters from creditor & utility companies that used this fraudulent address to open these accounts, my ID and the FTC affidavit. The police report can be confirmed by calling the XXXX Police Department 's automated system and entering the police report number.
Consumer complaint received 2020-11-10
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. (KS)

The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.
Consumer complaint received 2022-10-09
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. (TX)

Mailed certified letter to XXXX with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If XXXX can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )
Consumer complaint received 2019-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account. 
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees. 
They ignored my written request in violation of Federal and State laws.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (CA)

Credit Management marked an account as in collections from XXXX. I believe this was for equipment. I returned the equipment but possibly this was already sold to a creditor. I am not sure. I do know that I do not owe XXXX anything and I never signed any contract with this company or had any kind of contract with Credit Managment. I have disputed this with all 3 credit reporting agencies. XXXX  removed it the next day, XXXX   and XXXX  have not. Both of the latter companies always have the wrong information on my report so that I can never access my report online due to them having something wrong with my information.
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$220.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$280.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$490.00} Needs Attention 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 MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$220.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$280.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$490.00} Needs Attention 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 XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX