davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report
Consumer complaint received 2020-05-20
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: AMERICAN EXPRESS COMPANY (GA)

An account with Amex was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought Amex was a good company ... very sad that they would want to go against the laws of FCRA.
Consumer complaint received 2020-05-20
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-01-30
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. (FL)

XXXX XXXX here, and I'm submiting this CFPB Complaint to let you know that I've been a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. In violation of Fair Credit Reporting Act section 605b, XXXX and TransUnion Credit Reporting Agency continued to publish unverified information without providing the legal justification that was necessary. The Credit Bureaus have not properly identified and provided any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone permission to view my credit. They have neither removed these inquiries from my credit report or given me a written authorization. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2023-01-30
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WA)

In XXXX, I received a letter stating that my XXXX application was denied. I provided proof that I have 4 years of XXXX XXXX. The letter stated that I did not make any payments. However, I applied for the XXXX and limited waiver, not the regular XXXX  program. I would like my application to be reevaluated under the correct program.
Consumer complaint received 2020-05-20
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. (FL)

I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital one is not taking collections off of my credit report thats over 7 years old every time I dispute it on XXXX it doesnt clear off this debt has been settled for some years now both accounts are closed out and has been closed out for over 7 years
Consumer complaint received 2023-01-30
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-01-30
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2020-08-25
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2022-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-01-30
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed Account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2021 AWA COLLECTIONS added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AWA COLLECTIONS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2020-05-20
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. (NJ)

This alleged account XXXX CARD XXXX was not owned by XXXX CARD on XX/XX/XXXX this account should not be considered late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please prove that this account was in fact able due for a payment on those dates, and prove that the owner of the account had legal right to collect payments for those alleged late dates. The account was charged off and closed XX/XX/XXXX. 

Also, in violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ), JPMCB card did not notify me that such negative information was being reported when they furnish the negative information or within 30 days of furnishing it to Experian. I became aware of this alleged debt after accessing Experian in XXXX. 

Also this account is in violation of the 7 years on record. This account per screenshot provided in this complaint and generated directly from the Experian website was reported as past due in XX/XX/XXXX. XX/XX/XXXX was the first time the account was reported 30 days passed due. Which means all negative remarks and account should have been removed from the report XX/XX/XXXX.
Consumer complaint received 2020-05-20
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)

On XX/XX/XXXX, I contacted Equifax via certified mail in response to a recent claim that the Illinois Federal Court verified the bankruptcy under my name is accurate. I challenge the accuracy, compliance and reportability of this listing because the information was NOT released via United States Federal Court but through a 3rd party XXXX/XXXX. And with this information being obtained through a 3rd party and NOT DIRECTLY from the court this is a violation of the Fair Credit Reporting Act. Equifax failed to validate this information through the Illinois Federal Court, providing me with documentation of any viable evidence bearing my signature that I gave this 3rd party XXXX/XXXX  consent to release any information on me. In my letter in XXXX, I requested a reinvestigation and Equifax method of verification and to this present day I have yet to receive that information. I informed Equifax that as in Wenger vs. Trans Union Corp., No. 95-6445 ( C.D. Cal, Nov. 14, 1995 ) they may be liable for the willful non-compliance.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items 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
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/XXXX, Mr. XXXX applied for a mortgage payment modification program due to the death of his spouse and was accepted. Once accepted, the online app said first modification payment due was XX/XX/XXXX and it was made on XX/XX/XXXX. Mr. XXXX made all modifications payments on time for {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and then canceled the program in XX/XX/XXXX as it appeared to be affecting his credit report. On XX/XX/XXXX, a payment for $ XXXX was made in order to bring what appeared to be a now delinquent and inaccurate account current. 

Last year, Mr. XXXX made {$29000.00} in payments in good faith in order to keep his credit in good standing, which is {$11000.00} OVER his regularly-scheduled payments. 

In XX/XX/XXXX, payments were mismanaged with " applied credits '' after payment increased for escrow adjustment and auto-payments were short of payment. Then Mr. XXXX would receive phone calls saying he's past due so he made additional payments over the phone in good faith in order to keep his credit in good standing and now his credit report is suffering due to payment mismanagement and inaccurate late payment reporting.
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2019 I deposited, into my personal SunTrust account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called SunTrust corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed SunTrust the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. Thank you