davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-19
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-19
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: Bread Financial Holdings, Inc. (TN)

I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CSO Financial (CA)

I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, a collection agency, reported today that I have a balance to XXXX XXXX of {$160.00} and {$80.00} through Transunion and XXXX, respectively. They reported identical information XXXX to Transunion, resulting to a total balance of {$160.00}. I do n't know how they made the report to XXXX. I do n't have access to XXXX considering they are not included in XXXX XXXX reports. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment, in which my husband faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.
Consumer complaint received 2022-07-19
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. (DC)

NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. Equifax, XXXX and XXXX failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax, XXXX and XXXX failed to Investigate the first time according to federal law ( FCRA ). Equifax, XXXX and XXXX HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? XXXX KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. Equifax, XXXX and XXXX are committing XXXX and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

I received a new business credit card. Before I received it, Citi left a voice mail about a fraud concern. I twice tried to call, but I was on hold for too long. ( I work for a living! ) After receiving the card, I have attempted to activate it but the website directs me to call " to protect [ my ] account. '' As I am writing this, I have been on hold over XXXX minutes.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

COMPANY CONTINUE TO REPORT OUTDATED INFOR PAST 5YRS SINCE 2011 ; STATUS OF LIMITATION TO RETAIN OVER 5YRS OLD AND MUST BE REMOVE, NOT MY ACCOUNTS OF INSUFFICIENT FUNDS INCORRECT DATA REPORTED. VIOLATES FCRA AND FCBA..SAME INFOR REPORTED ON FILE 5 TIMES
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)

I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the XXXX, XXXX, and Equifax has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ive filed multiple disputes requesting deletion of this account and for form 1099c. This account is currently reporting as charge off to my credit file. The way charge off is understood is an accounting event has taken place on the account. Under Equifax FAQ they define charge off. 
-A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 
So what accounting event has taken place with this account? XXXX is reporting as a charge off but has yet to state in any company responses what accounting event has taken place. So since the company has not complied with my demands Ive submitted a tax fraud referral to the IRS regarding this account. The case reference number is XXXX. Ive submitted all disputes to the IRS requesting form 1099c. Im also requesting the public and private accounting records. I will also submit this complaint to the XXXX  and the state attorney general.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.
Consumer complaint received 2022-07-19
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. (NC)

Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX Account # *******************XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.
Consumer complaint received 2022-07-19
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. (FL)

I've been excising my right with the 3 credit bureaus ( XXXX, XXXX and Equifax ) they all claim that they've done investigations. The problem with that process, is that they never contacted anyone in my family or any of my neighbors. In XX/XX/2022, I sent letters to the the 3 bureaus about Unauthorized inquiries. They were furnishing on my credit report, XX/XX/2022. The XXXX bureaus got a copy of my complaint that I started with the CFPB, which an investigation was started again. XXXX wasn't furnishing the Information on my credit file, but XXXX and Equifax were. XX/XX/2022, XXXX deleted the inquiries that are in dispute. I have entered them as evidence, I reached back out to Equifax showing them that, XXXX has deleted the same inquiries they are claiming they verified and XXXX hasn't posted at all. These inquiries are hurting my probabilities of obtaining a Loan for my house. XX/XX/2022, I was denied by multiple institutions because of these Unauthorized inquiries. I've done everything Equifax told me to do and still, they are not doing what they are suppose to do by law and delete the unauthorized inquiries.
Consumer complaint received 2022-07-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, 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 2015-10-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AL)

I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. 

PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX REPORT
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that there are a total of 9 negative inquiries I have on my credit report. Also, there are late payments shown from my student loan which is false. Lastly, there is a charge-off from a credit card company, which I know is fraud ; and I believe this is due to identity theft. So far I did not receive any follow-up about these false claims and I would like all of this negative information removed from my credit report.
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

MBA law XX/XX/XXXX   contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX   they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. 
At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. 
XX/XX/XXXX MBA law sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). 
The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). 
I then received a letter from XXXX  partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/. I was never notified anytime before XXXX about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. 

MBA law firm address : THE LAW OFFICES OF MITCHELL D. BLUHM & ASSOCIATES , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS XXXX And The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and 15 US C 1681a ( 2 ) ( B ) right of exclusions, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

This is regarding a loan with Rocket mortgage ( XXXX ). The owner 's of the property are XXXX XXXX and XXXX XXXX. 

We asked Rocket, when we refinanced, if we could later do a Right of Way Abandonment. They said yes, but, you need to let the new loan mature 1 year. We did that and then Rocket mortgage refused to do the ROW abandonment. 

We live in a historic district and many neighbors have done ROW abandonments, and the Town or XXXX wants the ROW abandonment. 

We want to do this so we can build a garage. 

We wanted to move forward and trade XXXX feet in front for XXXX feet in the back. Essentially, we own the street in front of the house, but, not the backyard. It is this way because this is a historic district, the house was built in XXXX, and the surveys were not accurate. 

This is normal for this neighborhood and is a matter of surveying and redoing the maps to make everything correct. And, to legally allow us to use the property that is basically our backyard. 

Rocket mortgage will do an exchange if we wanted to sell land, or, buy more land, but, they refuse to do an equal exchange. 

And the only explanation is it is a " Corporate Decision ''. 

What they want us to do is refinance. OK, but, we have a great rate, and rates are now higher, and, we don't want to refinance as it costs more in the long run. 

And, it is not Rocket Mortgages right to force us to refinance, when they have a division that does this work, and they do charge thousands for it. 

So, we are being for forced to refinance when we don't want too. 

We feel that it is the servicer 's obligation to service the loan when this type of problem arises. After all, our property will be worth more after the exchange, as, we will be able to build a garage. 

And Rocket Mortgage should not be able to force us to refinance. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion had a glitch in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed be REMOVED.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I have a complaint against Transunion. I was a victim of identity theft. In XXXX 2016 I noticed that I had items on my credit that was n't me. So I stared a dilute with TransUnion. When it came to the inquiries I was told by TransUnion that they will not dispute my inquiries and I neede to contact the creditors myself. I did that I wrote letter to the creditors. I did get letters back from the creditors either stating that the inquiries was not a hard check and should not be showing I also got letters saying that they did n't have me in the system and I even got inf back from the postal service stamped insufficient address. Now these are the address that the bureau have. I sent the copies to TransUnion however they still say they are going to remove them. I did what they ask of me and still did n't get any results!! Please help me because I 'm out of options.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have requested on XXXX occasions now that Transunion remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Transunion refuses to conduct a proper dispute. Letter is attached from XXXX.