davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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. (AR)

I have disputed items on my report 4 different times now. I dispute inquiries that I had no idea was on my report. I have also called and spoke with the dispute department and was told that the inquiries was verified and will remain on my report. The only inquiry that is supposed to be on my report is XXXX XXXX. 
The inquiries couldn't have been investigate because I am the original creditor and I did not give my permission to anyone at Transunion and I have not made any other inquiries. In my dispute I ask for proof of verification and not a letter saying that it was verified. I am a natural person, consumer and original creditor of the United States Corporation. Transunion continues to violate my consumer rights and several laws of the FDCPA.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 
HOUSEHOLD FINANCEJPMORGAN XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$1100.00} - {$1200.00} {$1200.00} - {$1300.00} {$1300.00} - {$1400.00} {$1400.00} - $ XXXX OF THE XXXX was an Equifax questioannre that I may have a mortgage loan opened around XXXX XX/XX/2013, I do not recall taking a loan by any means around this time
Consumer complaint received 2024-02-15
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: ALLY FINANCIAL INC. (TX)

ALLY XXXX sent me a pre-approved credit offer in a letter based on my current credit score. I am trying to fix my credit and have gotten my score up so I responded. They mislead me to think I had already been approved for the credit card and so I scanned the QR code, then got a rejection for this card and the credit reporting bureau dropped my credit score by XXXX points throwing me back to a bad status. 

I am trying to fix my credit and Ally deliberately hurt my efforts in doing so. I can not reach anyone at Ally to stop this false advertising.
Consumer complaint received 2024-02-15
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)

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 XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement.

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NC)

Reached out to the National Credit XXXX to obtain verification, contracts, and original debt amounts. Company is stating that I owe on funds when my lease was over in XXXX of 2023. Keys were mailed to rental office of XXXX XXXX XXXX XXXX NC. There should have not been any additional amounts applied to my contract as my lease was over and keys were mailed to company. The debt collector is falsifying my report hindering me and my family from receiving a home. Under the FCRA any information reported falsely should removed from report.
Consumer complaint received 2023-11-21
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. (SC)

In accordance with the Fair Credit Reporting Act the list of accounts has violated my Federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 it all states a consumer reporting can not Furnish accounts without my written instructions 15 USC 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 2021-10-05
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. (GA)

Letters were sent certified mail and phone calls were made regarding these issues listed below without resolution : Unauthorized Inquiries : XXXX XXXX XXXX XXXX, XX/XX/2021 & XX/XX/2021 XXXX, XX/XX/2021 XXXX  XXXX, XX/XX/2021 Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Incorrect Phone Numbers : XXXX XXXX
Consumer complaint received 2024-02-15
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

5/3 bank made a XXXX  payment transaction of {$430.00} while I am not even a XXXX  customer. I notified the bank many times and no action has been taken to resolve the issue.
Consumer complaint received 2021-11-02
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: Sequoia Financial Services (CA)

XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio Servicing has not been reporting my payments to the credit bureau since 2016. I did file bankruptcy that year however they where not included in the bankruptcy. I have paid every month since and now that Im trying to do a refinance on the house Im just finding out this information. I have two mortgages and the other company is reporting XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (NY)

I purchased a prepaid hotel voucher from a merchant named XXXX on XX/XX/XXXX. I redeemed the voucher for a hotel reservation scheduled for a trip occurring in XX/XX/XXXX. The hotel called me to tell me the travel supplier has gone bankrupt and the reservation has been canceled and will not be honored. I tried to dispute the charge for the voucher, since services I paid for are not being delivered, and the card issuer is refusing to accept a dispute claim because they say the original charge is too old. 

The merchant 's bank took the credit risk on this merchant and they are the ones who should be eating the risk of a merchant receiving advance payment for services not delivered by its merchant client
Consumer complaint received 2021-01-21
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: PNC Bank N.A. (NJ)

To whom it may concern : My family and I are in the process of attempting to purchase our first home. We were supposed to close at the end of XXXX but due to issues on the sellers side, the closing was postponed until the end of XXXX. My lender did inform us that due to the delay, paper work would have to be updated and a closing could not take place until the issues with the sellers were resolved. 
On XX/XX/XXXX th I was called by my lender and was told that after a credit refresh was run on my husband a 30 day late appeared on his credit report for a PNC credit card. This came as a total shock to us, what made matters worse was that the late resulted in a credit score drop of over 100 points on each credit bureau, this drop in score has basically eliminated us from getting our mortgage and essentially leaving us homeless. 
The reason I am writing to you is twofold. The first reason is the way the credit billing was handled by PNC. The due date for the card was XX/XX/2020 the day before XXXX, at that point my family and I were getting ready to leave our apartment, due to Covid 19, my husband was working extra shifts and I was packing up the house, but we never received a paper bill from PNC. I am not set up for paper free billing so we rely on the paper bill. In addition, our history with the card was excellent no late payments ever. Because of this mistake, our mortgage approval is in great jeopardy. 
The second reason for this letter is the unreasonable nature of the credit score drop. As they say let the sentence fit the crime. Even if they say the late payment is ruled legitimate which I do not believe it is why would my husbands credit be impacted so much for 1x 30 day late on a credit card. According to my lender, my husbands middle score dropped 130 points this is unfair and has been devastating to my family. We have been hit hard by the pandemic I was laid off and have been caring for a XXXX child, the loan was under the name of my husband and my Mom, we need help to resolve these issues as quickly as possible. We need a home.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I sold my home in XX/XX/XXXX and my original loan was sold to SPS Select Portfolio Servicing around XXXX. My loan had an impound account for taxes. When escrow closed there was an overpayment to the impound account and I have been unable to get them to send me the overpayment back. They did send the check but with the wrong name. I called in XXXX XXXX and they requested my drivers license and to this day XX/XX/XXXX they still processed the overpayment. I have called in 6 to 7 times and each time they come up with new reason on why they have not processed the payment.
Consumer complaint received 2021-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (CA)

This is a Fraudulent account under my name. I have no recollection of this account. On my XXXX report it said Moneylion was added to my account and I have no idea what this was and it said about {$920.00} was taken from this account loan. I tried to dispute this account before but the company moneylion reported that the information is correct which is not me. This is Fraud and is not my account. I called Moneylion a long time ago to let them know it wasnt me. I think Moneylion is a Scam. I am not paying for a loan that is not mines. I dont know who got my information and put it on Moneylion but it is not me. I am an XXXX  XXXX XXXX  and do not need this type of stress to worry about
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

This company is in Violation of multiple FDCPA laws. I see that this company is reporting unverifiable and inaccurate information on my credit report. I do request a validation of debt letter but Pursuant 15 U.S.C. they were to notify me of this in writing 5 days prior, I was not. as the Original creditor, I Only can validate this Debt. i do not validate this Debt. I demand this company to stop reporting unverifiable and inaccurate information on my credit report and I also will like this company to cease all forms of communication with me Through any and all mediums.
Consumer complaint received 2023-11-21
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. (PA)

I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing this to file a formal complaint against Capital One regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Capital One that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capital One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Capital One complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Capital One. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-10-05
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. (GA)

EQUIFAX CONTINUES TO IGNORE MY LETTERS AND WILL NOT HANDLE THE VERIFICATION AND VALIDATION PROCESS OF MY ACCOUNT! 

THEY CONTINUE TO LIE ABOUT A PUBLIC RECORD ON MY ACCOUNT AND THEY ARE SAYING THEY FOUND IT ON XXXX AND THE BANKRUPTCY COURT! 

I HAVE ATTACHED PROOF FROM XXXX XXXX AND THE BANKRUPTCY COURT THAT NO DATA HAS BEEN PROVIDED! 

I WANT THIS PUBLIC RECORD REMOVED IMMEDIATELY! MY RIGHTS ARE CONTINUALLY BEING VIOLATED AS A CONSUMER!!!!!!!!!!!!!! 

THEY ARE IN VIOLATION OF THE FOLLOWING AND WILL BE HELD CRIMINALLY LIABLE OF EACH : 15 USC 1681a ( e ) -NEVER VALIDATED MY INFORMATION!

15 USC 1681b ( a ) ( 2 ) - STOLEN IDENTITY, NO PERMISSIBLE PURPOSE TO FURNISH MY DATA 15 USC 1681 ( a ) ( 4 ) - VIOLATING MY PRIVACY RIGHTS 15 USC 1681i ( 5 ) ( B ) - REINSERTED PREVIOUSLY REMOVED DATA
Consumer complaint received 2024-02-15
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (SC)

XX/XX/XXXX I received multiple alerts my credit score dropped due to a debt collection. My score dropped by XXXX points ( normally XXXX or higher ) due to this fraudulent debt not owed. Jefferson capital added a collection for XXXX for a cellular account I pd and closed back in XXXX ( 15 plus years ago ). XXXX has been out business since XXXX and this crooked collection agency decided to falsely add a fraudulent debt 15 yrs later. This is a tactic these collection agencies use around tax time each year to unsuspecting consumers trying to collect for debts that are not owed. Fortunately I monitor my credit daily and was able to take action.