davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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: Experian Information Solutions Inc. (MA)

On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023XXXX XXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-30
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. (SC)

I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted XXXX/Equifax with no successful resolution. It says the account was open on XXXX, 2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I Wired {$100000.00} from my XXXX  XXXX XXXX account to Coinbase account on XX/XX/. I confirmed with XXXX that the wire was sent out successfully, and with Coinbase 's bank ( XXXX XXXX XXXX ) that the money was posted to Coinbase account onXX/XX/XXXX. However, my Coinbase account still isn't updated with the amount. 

I sent numerous requests ( 10 times ) for a followup, but only have received a standard/automated responses with no detail of what's happening. The money has been missing for over 19 days, and I have no idea if Coinbase is doing anything about the situation.
Consumer complaint received 2016-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (IL)

Asset recovery solutions of XXXX Il. repeatedly calls and asks for information about another person including account numbers, credit card numbers, phone numbers, addresses, etc. I have asked them to stop. They are rude and seem to have a comprehension issue. My wife asked them why they do n't just send out a bill to this person, they responded " you tell me '' ... XXXX.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (TX)

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/VXXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, XXXX and experian
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I settled with portfolio recovery for a XXXX XXXX credit card debt and its still reporting a balance. This account is legally settled and is still affecting my credit because its reporting an inaccurate balance. The balance should be reporting {$0.00}
Consumer complaint received 2021-09-10
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)

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, equifax and XXXX
Consumer complaint received 2019-03-07
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. (NC)

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-03-31
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. (LA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-31
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. (LA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

SANTANDER IS GOING THROUGH A LAWSUIT IN WHICH I WAS ONE OF MANY VICTIMS THAT INTIATED THIS LAWSUIT. PLEASE SEE THE ATTACHED DOCUMENT. I NO LONGER HAVE THE VEHICLE AND SANTANDER HAS SOLD THE ASSET. THE BALANCE AND/OR ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORTING ASAP!
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I requested a new credit card from capital one. Mailed out. Seems my mail has been stolen from the USPS system by a letter carrier at an XXXX. Charged at XXXX transportation at XXXX XXXX honore XXXX XXXX Il. XXXX XXXX is owned and operated by the below contact found by using sec of state here in Illinois and XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX I live at XXXX XXXX XXXX XXXX XXXX ok XXXX which is 22 + miles away.
Consumer complaint received 2022-03-31
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)

Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.
Consumer complaint received 2018-01-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I called USAA to get a deferment due to being impacted by Hurricane Harvey. I also spoke to them again on XX/XX/XXXX. I was informed that the deferment was in place. However later I found that it was reported to the credit bureau and I contacted the credit bureau notifying them that this was not supposed to be reported as a late payment. I also contacted USAA and was told that they saw where I called in about the deferment, it was supposed to be placed on my account and that I needed to fill out a dispute form from their website and mail it in. I did mail in the form and later received a letter stating they would not investigate my case because it was " frivolous ''. I immediately called USAA on XX/XX/XXXX and explained the entire situation. I was transferred to 5 different people and stayed on the phone over an hour. Nothing was done and I was given the run around. I want the XX/XX/XXXX late payment, which is by the way the ONLY late payment ever on my account, removed since it shouldn't have been reported in the first place.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Accounts Group, Inc. (MO)

On or about XX/XX/XXXX, and then again on or about XX/XX/XXXX, the child support enforcement agency contacted me about an alleged debt. These debts are in excess of {$30000.00} to date and counting. I have contacted them on numerous occasions in reference to this issue with no resolution as of yet. Attached you can see the efforts I made in good faith to relieve this issue.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didnt enroll or apply for this. This is a violation of my consumer rights under XXXX XXXX XXXX. I never gave consent to this being reported, therefore it is identity theft and under XXXX XXXX XXXX and per XXXX XXXX XXXX XXXX item identified as identity theft must be deleted and blocked. 

SEE ATTACHMENTS
Consumer complaint received 2022-09-09
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. (CA)

This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX Account # XXXX
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (WV)

I received a text message from a company threatening legal action. i called the number and they told me it was for an old HSBC account from XXXX  that i have zero recollection of. They said they were XXXX XXXX XXXX. They told me i would be sued in 4 days if i didn't pay in full or set up a payment plan, giving them my credit card info. I asked but they could not verify the debt or send me any records of it. They sent me a docusign email to fill out, that's when i searched online and found they've scammed many people this way.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've recently received my credit report and to my surprise, I've noticed a few inaccurate reports coming from the credit agencies the account name is credit acceptance an auto loan, it stated last active from Trans union was XX/XX/XXXX XXXX is XX/XX/XXXX and XXXX STATED XX/XX/XXXX ALSO TRANS UNION STATED DATE OF LAST PAYMENT WAS XXXX XXXX AND XXXX IS REPORTING XX/XX/XXXX BUT XXXX IS REPORTING LAST PAYMENT AS XX/XX/XXXX THIS INCORRECT REPORTING IS DAMAGED MY CREDIT WITH THIS INACCURATE INFORMATION, ALSO THE PAYMENT HISTORY SURPRISED ME ALSO XX/XX/XXXX and XXXX stated last payment made was XX/XX/XXXX stated also by Trans union date open was XX/XX/XXXX but XXXX stated date open was XX/XX/XXXX, these dates are all over the place incorrectly reporting PLEASE HELP
Consumer complaint received 2021-10-04
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

My mortgage was paid off in XX/XX/XXXX with PHH MORTGAGE. The amount of {$900.00} was left in escrow and was to be refunded to me. PHH mortgage claimed they mailed a check for this amount on XX/XX/XXXX. I have not received that check. 
On XX/XX/XXXX I spoke with the XXXX in Customer Service and explained the issue.XXXX advised me that I needed to send a fax to the Research Department and request payment verification and a re-issue of the check. I faxed this request the same day. XXXX stated I could not contact the Research Department directly because that department did not have a phone. 
On XX/XX/XXXX I received a letter from PHH mortgage stating a new check number XXXX will be re-issued shortly. I have not received that check either. 
Again I contacted PHH mortgage. 
Tuesday XX/XX/XXXX I called the Escalation Department and spoke with XXXX who took the information and stated she was going to call me back that same day. I have not heard back from her. 
Wednesday, XX/XX/XXXX I called the escalation department and spoke with XXXX he took the information and advise he was going to call back. I have not heard from him. 
Thursday, XX/XX/XXXX I called the escalation department and spoke with XXXX and who took the information and advised she would surely follow up and call me back. 
I have not received any further communication from PHH Mortgage. I have not received my refund check.
Consumer complaint received 2024-02-20
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. (AR)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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