davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

XXXX : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

Filed a dispute for transaction, which it was denied and the bank would not let me file a appeal. The company is fraudelent company and has never submited the services I paid for.XXXX  XXXX, 2021 XXXX was supposed to issue me a website for {$540.00} and XXXX XXXX XXXXXXXX  for {$290.00}. I have not received any services rendered for XXXX XXXX XXXX, the company call the XXXX  XXXX told them they was not able to finish my project and yet still my refund was denied.
Consumer complaint received 2021-07-21
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report. 

3. I have a total of 4 wrongful inquiries on my credit report. 
-Amex XXXX -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation (NY)

By the XXXX of XXXX, I ; Man deny that this is my account and if it is my account, who is the Man verifying that I owe this debt. I acknowledge this account was established without my Knowledge and I have no contractual agreement with nor received any services from Performant Recovery. Please cease and desist this collection activity. ftc and police report attached
Consumer complaint received 2022-02-25
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NY)

I was scammed by dealership called XXXX XXXX  in XXXX New York I am on XXXX  XXXX  they trying to finance a car I could never ever afford in my life they have the car and still trying to fraudulent push through loan anyway and trying put me in XXXX dollars in debt I could never ever pay I spoke to my bank reported the fraud and spoke to other lenders that were contacted trying push through the loan I also suffer from XXXX  illness and had a complete XXXX  breakdown and dont feel safe with this dealership again they said they canceled loan contact the bank I have no paperwork no anything no receipts absolutely nothing so i also dont know what fraud they done on the loan application it self any bank could see I could never financial afford that I barely can buy food to eat I contact ally bank many times right away reported fraud and they promised they would cancel loan contract from being processed so I wan na put in formal writing I been having XXXX breakdown on XXXX and dealership is defrauding by trying to push loan through that suppose be canceled they have their car I have nothing and I can not let this ruin my entire life I spoken with ally many times and have reference number where lady said its going to be canceled they wont fund it
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I contacted by phone multiple times and attempted to get information on where and when this debt was incurred. I received no information only that they purchased this debt and I better pay it. I am exhausted from trying to resolve this problem.
Consumer complaint received 2021-07-21
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-08-18
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. (TX)

The Credit bureaus seem to throw my letters out or do not do anything on my file. I want the inquiries I did not authorize removed. I have an account that does not belong to me. I also have an account that says charge and does not belong to me. I am attaching a letter of explanation.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Hello, this is a follow up complaint concerning the same company, Citizens bank. please reference my previous complaint # XXXX. I had received notice from you stating that my complain was sent to Citizens on XX/XX/XXXX. On XX/XX/XXXX I received an email from the Office of the Chairman at citizens, from the same woman ( XXXX XXXX ) I had spoken with previously, who denied my claim twice before. It stated, obviously after getting notifed by CFPB, that she was in receipt of my concern regarding a disputed transaction and that she tried to reach me by phone but was unsuccessfulI. I had not received a call, but responded by email that I wasnt sure why she was calling and to respond by email back to me as I could not reach her by phone either!! Which was part of my complaint. Then on XX/XX/XXXX I received an email from CSPB saying that the company ( Citizens ) had responded that they were still working on my claim. As far as I knew and was told by this XXXX XXXX from the Chairmans office, that my claim was denied so that was not accurate. On XX/XX/XXXX in the mail I received an envelope from Citizens Bank, in it was a blank white paper with Citizens Bank in right hand corner and the date XX/XX/XXXX and my name and address heading in the upper left hand corner. A separate piece of paper followed and it was a check for XXXX!? The top part was the non negotiable agent copy the bottom half showed an official check XXXX, dated XX/XX/XXXX pay XXXX to Me with my address. In the memo it said OLB Claim XXXX which is the claim I filed with them, but for XXXX, not XXXX. There was no explanation of why or what this check was for. I contacted someone from your office to see if there was any further settlement deal etc.. and was told that CFPB still had the complaint as open. This appears to be a payoff of some kind and is Not the full amount that I had lost or requested returned. Once again the communication with Citizens is horrible. I appreciate any feed back on this when appropriate thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MI)

I called two weeks ago to check on why my student loan accounts, ( there are 14 total ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report.

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by MOHELA. This is an egregious error and it is preventing me from buying a house!

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my Rushmore mortgage loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having Rushmore report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Consumer complaint received 2022-02-25
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL PAYMENTS DIRECT INC. (NY)

Global Payment Check Services requested documentation to support my claim of fraud. They are requesting a police report and notarized XXXX of forgery referencing this specific check. Please advise as to what documentation you need. The documentation you are requesting are not the steps my credit union provided me to dispute this matter, nor did it go to the extent of a police report.
Consumer complaint received 2024-10-03
Product: Credit reporting 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)

Hi I am a single mom trying to make life work and to see all the XXXX happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight. 
XXXX. 
These fake bureaus. ( XXXX, Experian and XXXX ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, XXXX open closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) XXXX. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen XXXX. 
XXXX XXXX  credit card says terminated and inactive which is not true. 
XXXX. 
XXXX XXXX XXXX  I am suing because they did contract XXXX  and sold out my social. Obtained securities XXXX on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL. 
XXXX. 
XXXX XXXX XXXX ( original was XXXX XXXX XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
XXXX. 
XXXX and XXXX ( original was XXXX  ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
XXXX. 
XXXX ( original creditor is XXXX  ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

XXXX. 
XXXX  ( original creditor XXXX XXXX XXXX ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
XXXX. 
XXXX XXXX  ( original creditor XXXX XXXX XXXX ) I needed XXXX attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is XXXX.
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Collections, Inc. (TX)

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Cascade Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-09-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (CA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.