davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Accounts " XXXX, XXXX XXXX, and 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 2022-08-23
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. (AL)

Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX DBA XXXX ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX DBA XXXX XXXX ) is not reporting on any other credit report besides Transunion.
Consumer complaint received 2019-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Navient has constantly pushed my payment out and charged me an ungodly amount of interest. These loans have even kept me from being able to buy a home!! a home for my XXXX year old daughter, that's right I live with my mom! Thanks Navient!
Consumer complaint received 2021-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

Equifax is reporting income on my consumer report. I have not given written consent nor do I agree with reporting a charged off account that should be excluded from my consumer report pursuant 15 usc 1681a ( 2 ) ( A ) ( I ) of the Fair Credit Reporting Act. I am requesting to see a 1099C due to reporting a billing error of a charged off account. 
Delete immediately or you will be civilly liable pursuant liable for damages caused by your credit reporting agency.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC. (CA)

On XX/XX/2019 I had someone try to apply a XXXX XXXX credit card under my name and it was put under as a hard inquiry. I talked to XXXX XXXX about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for Exeter Fin which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX  XXXX Account # 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 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit act, my rights have been violated. 
In accordance with

15 USC 1681 section 602a, i have the right to privacy. In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (FL)

I had an emergency hospital visit in XXXX  of 2019 and XXXX  XXXX   XXXX (emergency room doctor) had sent me a bill that was not correct and after getting the information corrected, ( I am a private pay patient and only owed $XXXX instead of the $XXXX that showed up on the bill) they sent me a receipt, closed my account and informed the Debit Collection Agency ( AmeriFinancial Solutions, LLC) that the debit was paid in full and to remove from their system.  I called AmeriFinancial Solutions on several occasions ( XXXX  XXXX, XXXX, XXXX, 2019) to ensure this was closed on their side and taken care of.  On XX/XX/2019 I talked to XXXX, who stated it was closed and they had informed all 3 credit reporting agencies to remove this account.  I have disputed this with all 3 credit reporting agencies and as of XX/XX/2019 the agencies are still reporting it active, but the Debit Collection company says it is closed.  I do not know who is dropping the ball here, but I need this off my credit report. Please have AFS get with all Credit Reporting agencies and get this removed.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the XXXX app and found XXXX alerts ( XX/XX/21 credit inquiry from XXXX for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from Equifax for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called XXXX, Equifax, XXXX, and XXXX XXXX the morning of XXXX XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX  store and learned my phone number was highjacked and a fraud alert was filed.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC (OH)

On XX/XX/XXXX, I sent a written communication request as well as a debt verification letter. This was well within the timeframe to send the letter, as I was given a 30 day notice around XX/XX/XXXX in letter form in which I could contact for a debt verification letter. 

I never received a response back from the collector and now, after a no th, suddenly, the calls have started back up again despite my request. Throughout XXXX, after sending the letter, I hadnt received any calls. Now, come XXXX, its the same process of an automated sounding male spewing the same lines over again from Capital Solutions in XXXX, OH. 

Rough timeline : XX/XX/XXXX phone call XX/XX/XXXX phone call XX/XX/XXXX letter received XX/XX/XXXX sent request out XX/XX/XXXX phone call XX/XX/XXXX phone call
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

I closed my Apple Card by Goldman SachXXXX Bank XXXX XXXX ) in XXXX of XXXX ( XX/XX/XXXX ) GSB permitted a charge to my account in XXXX of XXXX ( XX/XX/2021 ). Numerous calls to GSB has not rectified this situation. GSB can not give me an answer as to whether this will happen again in the future. A closed account should mean closed and no longer accepting charges.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

I have a false and fraudulent inquiry on my credit report from XXXX on XX/XX/2021. I never signed up for credit with them this is false please remove
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, 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 2021-12-13
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Certegy Holdings, LLC (TX)

On three different occasions I tried to either cash or use a check, but was denied by information from Certegy. 
XX/XX/2019 at XXXX XXXX tried to cash a {$190.00} check decline recommendation from Certegy, factors include check number, dollar amount, check cashing history. 
XX/XX/2019 at XXXX XXXX tried to pay for items with a joint personal check account that my wife has used in that store. Denied on recommendation from Certegy, factors include check number, dollar amount, check cashing history.
Consumer complaint received 2021-12-13
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. (GA)

The XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XXXX/XXXX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding has violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXX XXXX  XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Midland Funding violated my rights by furnishing information on my consumer report without the intent to coerce payment in the amount of {$590.00}. On my consumer profile this account they are aggressively attempting to collect on is listed as a collections account with the account type DebXXXX buyer. XXXX XXXX XXXX  XXXX assigned and sold the alleged debt to Midland Funding. I am requesting Midland Funding to provide me with a forward flow agreement between the XXXX. I called Midland Funding to ask for a debt validation. They could not provide me with the necessary documentation proving they have the right to collect, harass, or furnish incorrect information to the credit reporting agencies. Midland Funding is purposely furnishing the amount of {$590.00} as a balance owed to all CRAs.
Consumer complaint received 2022-04-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AL)

XXXX XXXX XXXX XX/XX/2019 XXXX, is in complete violation of 15 USC 6802 and 1681B as they have absolutely no permissible purpose to report the alleged debt to the credit reporting agencies. 

Ive had no contact or agreement with them about this debt. Nor, did I agree to any of the debt mention above. Jefferson Capital Systems is unlawfully reporting this transaction and experience between this consumer, their company, and I, which also violates 15 USC 1681A ( 2 )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Dear Sir/Madam, My mortgage was forbearance for XXXX due to XXXX. I was come out of this forbearance with modification for reduced interest and paid three-month trial payments. After I signed documents for modification agreements for and last XXXX months ( XXXX, XXXX, and XX/XX/XXXX ) I am paying my mortgage payment first of each month on time. Never any late payment after this modification. 

But XXXX Mortgage services reported to the credits bureau, my payment was XXXX for more than 90 days and my credit score went down XXXX points. 
This is not actable, and Federal Government gives consumer rights, and mortgage companies shouldn't report to credit bureaus about this forbearance/miss payments. Please check this unacceptable problem with XXXX. 

My name is XXXX XXXX, and my account # XXXX If you have any questions, please don't hesitate to contact me at XXXX or email XXXX XXXX
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (KY)

I received the attached letter on XXXX. I did not apply for credit with XXXX and dont even know what this is. I am tired of people trying to apply for cards in my name as this keeps happening. What can we do to stop it. I have a freeze on everything. Please contact this company and tell me who applied, where they applied and what they applied for. And remove the inquiry from my credit report.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 2. Validate this false charge off it does not belong to me XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX  XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately 4. Validate this false charge off it does not belong to me XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately
Consumer complaint received 2021-10-02
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. (CO)

The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX
Consumer complaint received 2022-09-22
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. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX XXXX have 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 2020-04-16
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)

Acceptance Rentals, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  violated my 609 rights byreporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 and XXXX  XXXX XXXX  XXXX to Equifax that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate ninformation on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.
Consumer complaint received 2022-06-14
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. (TX)

On XX/XX/2022, I submitted a complaint to the CFPB about incorrect information that was reported on my credit report via Equifax Information Services LLC. I attached a Identity Theft report because my name is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I have attached my driver 's license and utility bill that clearly states my name as XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. Under the law, when credit reporting companies prepare credit reports, they are required to follow reasonable procedures to assure maximum possible accuracy of the information. Similarly, furnishers are required to investigate the accuracy of such information if it is disputed by a consumer. This information is continued to be reported inaccurately.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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