davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I have several store credit cards with sinchrony bank. Last month all of my credits cards with them were maxed out with several large purchases in different stores all over the united states. I reported this incident and they were quick to resolve this issue. The problem now is with the new cards i was given and accounts, XXXX of the new accounts given by them was again charged with a purchase i did not do. I am concerned that their cyber security is not up to part. How is it possible for this to happen to all the credit cards and the after they have resolved the issue it happens again. I do not trust synchrony any longer and i am not able to close the accounts either.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This regional debt on my report, states charge off written off. I submitted proof that we paid XXXX the collection company for regional. And payed whole amount asking for and my information and letter stated so. I want this status as paid as agreed, for we did exactly that. And my dispute did nothing of the sort. Remained completely the same as far as I see!
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Sold my home in XX/XX/2019 payoff was sent to XXXXXXXX XXXX XXXXXXXX ( XXXX ) who was servicing the loan for the Beneficiary on Deed Of Trust named XXXX XXXX XXXX ( XXXX ) who is no longer in business. XXXXXXXX XXXX XXXX has not closed out loan on credit report claiming a deficiency balance is still owed after receiving the payoff from XXXX XXXX XXXX located in the county of XXXX XXXX XXXX in the State of California, A non judicial state.
Consumer complaint received 2021-12-21
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-14
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: ALLY FINANCIAL INC. (MI)

I just found out today XX/XX/ that I have 3 hard inquiries on my report without my consent. All three were on XX/XX/ from the following companies ; Ally financial, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Pleas remove these hard inquiries from my credit report.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (AZ)

Credit dispute My credit score dropped significantly without any explanation, on XX/XX/2021, my score was XXXX ' then on XX/XX/2021 my score dropped to XXXX then on XX/XX/2021 my scre dropped to XXXX. 

Call to XXXX I calkd XXXX about my credit score drop on XX/XX/XXXX to say why my score dropped and I got the repose below : to many inquiries : not enough credit reporting : short credit history My dispute to XXXX results As my credit report has not change with with any new information within the last 90 days how could this previously drop my score 85 points?. 

Phone calto Equifax On XX/XX/2021 Equfax representative told Mr my score dropped because of a dispute. 

My dispute to Equfax fax answer I have no dispute on file as of XX/XX/2021. 

XXXX XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (OH)

XXXX   XXXX  obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter  XXXX  bankruptcy that was  discharged but the  lender refuses to remove the lien from my house until the debt is paid.
Consumer complaint received 2021-08-31
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. (MO)

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 2021-10-14
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)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (LA)

I HAVE A BILL FROM CASHNETUSA FOR XXXX. I HAVE NOT TAKEN OUT ANY LOANS FROM THIS COMPANY. I CALLED THEM AND GAVE THEM MY NAME AND THE ACCOUNT NUMBER OFF THE BILL XXXX AND COULD NOT GET ANY INFORMATION FROM THEM. THEY WANTED MORE OF MY INFO AND I REFUSED TO GIVE THEM ANY AS THEY HAVE MY NAME AND THE ACCOUNT NUMBER TO USE FOR REFERENCE. THIS IS ALL THE INFO I CAN GIVE, AS THEY REFUSED TO GIVE ME ANY UNLESS I GAVE THEM MORE OF MY INFO. I HAVE NO BUSINESS WITH THIS COMPANY, SO I DO NOT KNOW HOW THEY THINK I OWE THEM MONEY. I THINK I DID A FBI SCAM REPORT LAST TIME I GOT A LETTER FROM THIS COMPANY.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (IN)

Home buying is supposed to be a happy and exciting process, for us it hasnt been thanks to PRMI to be more specific XXXX XXXX. She has single handedly sabotaged our closing on our first house. She was upset that we switched lenders and fraudly got a case file on our house and put in incorrect information intentionally to stop our process, which has so far worked because this is the third time our closing has been delayed thanks to her fraudulent ways. I personally called her boss, XXXX XXXX, who was polite but very dissmissive of our complaints and seen that XXXX did no wrong. XXXX isnt the word, im livid and just outright upset that my family which include two small children are still living in an apartment complex that has a shooting every night and has had our personal vehicles vandalized because XXXX wouldnt take no for an answer. She needs to be fired and her boss needs to pay attention to how she is ruining dreams for innocent people.
Consumer complaint received 2021-08-31
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)

On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to Equifax and XXXX  for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

Hunter Warfield is attempting to collect a debt ( {$360.00} ) on behalf of XXXX XXXX XXXX but refuses to provide validation of the debt. I initially requested the information orally. I asked the staff to stop contacting me because they were abusive and would never supply the documentation, yet said they would. In 2021, I began requesting debt validation in writing ( XXXX and XXXX, 2021 ). They have supplied two letters- ( 1 ) one letter stating they are attempting the collect a debt with the amount listed and ( 2 ) another letter stating the debt and a offered with reduced amount to settle the balance. Hunter Warfield sent a letter dated XX/XX/2021 stating their " records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests ''. I have not received any debt verification despite multiple requests.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2022-08-03
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)

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently received a copy of my consumer report, and I noticed some account on my consumer report that should not be there. This agency is in violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. They were to notify me of this in writing 5 days prior. I was not notified. 

I am distressed that you have included the information below in my consumer profile and that you 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. 
XXXX : Account names : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. XXXX and Equifax Failed to provide any proof that the item belong to me. I do not consent to XXXX  or any means of automated verification. 
This is caused me : Defamation, Violation of the fair Credit Reporting Act, Financial Injury. You have Hurt my ability to obtain Credit.
Consumer complaint received 2022-08-03
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. (NY)

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 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 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-08-24
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)

I have sent Experian over 4 letters making them aware of their gross violation of my federally protected rights as a consumer. they have disregarded all of my letters with exception to the letter that I posted on the previous CFPB complaint, which they closed and never proceeded to actually investigate any of the accounts that were clearly in the letter. 
the next step is filling a lawsuit as it so clearly states In the letter I do hope and wish that we can cordially arrive at the ready I am presenting.
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on Equifax YET XXXX  and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.
Consumer complaint received 2021-10-13
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. (GA)

I went to my credit union to refinance my car and they said I would have a higher interest rate than I have on my current car loan,. He said it was because of my credit. Like anyone else it concerned me and I requested a copy of my credit report and I sec a few things on there that are not mine. XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I need help with getting this resolved. I am doing this on my own.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I have been forced to pay student loans in full even though I never graduated high school and could have never used the degree if i finished. I only completed one term yet had to pay over {$10000.00} to get them off my credit so i can't get a home, a vehicle, etc. I completed numerous applications as they offer to forgive loans for these exact situations, however, they have only led me in circles for over 5 years trying to get it off my credit. Finally it is paid in full. But they should never have gotten that money and it is wrong. they are thieves. but now student loans stay on your credit report for life and ruin your life until paid in full, weather right or wrong. unfortunate as it is, the department of education are straight up blood sucking thieves and after the money not in it to help anyone. so sad what the world is coming to these days.
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waterfall Revenue Group (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-08-24
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. (IL)

I have been submitting letters since XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : 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 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