davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (GA)

Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addresses:XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked here : XXXX XXXX XXXX I never authorized these inquires : 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 XXXXXXXX
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXXXXXX XXXX XXXX  XXXX Bank ) - XX/XX/XXXX Transunion Inquiry XXXX XXXX ( Finance ) - XX/XX/XXXX Transunion Inqury XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union Inquiry I receive all these inquiries on my credit report without my knowledgement
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: High Mountain Funding Inc. (NY)

i have no idea who this is why they are on my credit and why they say i owe money i want it off my credit immediatly and permanently i demand resolution this is ruinning my life i am a kid i am only just turned XXXX i am in XXXX i live with my mother i am not even old enough to have debt remove this NOW
Consumer complaint received 2022-04-28
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. (AR)

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (PA)

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, US DEPT OF EDXXXX XXXX, Complete XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-28
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. (PA)

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. 




XXXX. XXXX XXXX XXXX XXXXXXXX remove late payments This 30 days late is not correct my account is current. I attempted to reach out to correct the issue and was told nothing that could be done to correct their error. I then reached out to all the credit agencies with no resolution. I am in the middle of buying a house and this error has caused personal damage. 


PLEASE REMOVE 3 LATES ON THIS ACCOUNT NOT ACCURATE
Consumer complaint received 2021-06-14
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: U.S. BANCORP (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

on XX/XX/22 I requested that XXXXXXXX XXXX cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXXXXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Consumer complaint received 2021-06-13
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: GreenSky, LLC (CA)

Greensky Financial is reporting inaccurate information to the each of the credit bureaus showing a 30 day late payment to XXXX XXXX of 2020 and On time payment the same month and year to XXXX and XXXX. As well as another 30 day late that following month of XXXX 2020 to XXXX and on time to XXXX and XXXX. I have called about this issue and spoke to countless representatives that have communicated the error and would remove but yet the inaccuracies still remain.
Consumer complaint received 2022-07-29
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX accordance with the Fair Credit Reporting act US DEPT ED 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 my written instructions
Consumer complaint received 2022-04-25
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. (ME)

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX, Account number XXXX XXXX Account number XXXX XXXX Account number 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 an account without my written instructions
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE (GA)

In accordance with the fair credit Reporting act XXXX Account BARCLAYS BANK DELAWARE ( XXXX ), has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ay open end consumer credit plan as late for anv purpose.
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thrift McLemore, LLC (GA)

XXXX XXXX XXXX from the firm THRIFT MCLEMORE LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Has been harassing me with unsolicited emails and mails to my private residence asking me to pay or collect a debt that doesn't belong to me and says he will proceed by suing me if I don't pay him and his company {$80000.00} within 5 business days. 

This is very unethical and quite disturbing that this person and debt collection company have my private residence address and could harm me at any given point.
Consumer complaint received 2022-04-26
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 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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-04-26
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)

Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX : ( XXXX accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

2XXXX XXXX  XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/22 I submitted validation of debt to experian credit bureau for a unknown collection debt for XXXX XXXX for the amount of {$900.00} and XXXX XXXX have not sent my valid proof of debt I never opened a account with this company and i want this collection error removed off my report immediately its effecting me in a negative way that im not able to purchase a home.No Action Have Been Taking From The Credit Bureau Or The Collecting Party.None of the other bureaus is reporting this error on my credit reports
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00}
Consumer complaint received 2022-06-08
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. (NY)

I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account for no reason.. they have further hold my funds for over 187 days without enabling ne to withdraw my money ( XXXXXXXX XXXX  ) i need help. 
" You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal.

Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 

We regret any inconvenience this may cause. '' my mail : - XXXX XXXX
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act 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 my written instructions
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (NY)

on XX/XX/22 I requested that westlake financial cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXX and now that the new law have passed its XXXX in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Consumer complaint received 2022-06-08
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. (NY)

I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT -  Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted XXXX   XXXX XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

XX/XX/2020, I was late making my mortgage payment to Shellpoint Mortgage Servicing due to COVID-19, which negatively affected my income. I contacted Shellpoint Mortgage Servicing in XX/XX/2020 to advise of my situation and ask for help. I was granted a forbearance and advised the late payment would not be reported to the three credit bureaus as the issue was due to COVID-19. However, the late payment has been reported to all three credit bureaus, negatively impacting my credit score. I contacted Shellpoint Mortgage Servicing via their website to request that the negative rating be removed from my credit report as it was due to COVID-19. However, I did not receive a response. 

Before XX/XX/2020, my account was in good standing with no late payments. My mortgage account is in good status, and I have not had a late payment since XX/XX/2020.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (TX)

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law XXXX XXXX  informed me this was a no credit check application. XXXX XXXX, XXXX, XXXX  and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of XXXX. According to 15 USC 1681C-2 They have XXXX days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .