davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

on XX/XX/2022 I sent letters to XXXX, XXXX, and transunion to validate these innacurate accounts below or remove they are breaking the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. If you can not provide this proof for these accounts below in 30 days you must remove this inaccurate info from my report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

they did not provide verifiable proof to for any of these accounts 1. The following account is inaccurate and isnt mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2. The following account is inaccurate and isnt mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 
3. The following account is inaccurate and isnt mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-05
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)

There are multiple accounts open in my name without my permission or authorization, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over 25 inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-12-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (FL)

On XX/XX/XXXX, my realtor has given me XXXX XXXX at Equity Prime Mortgage to apply for a loan. Knowing that the interest rates are on the rise, after the pre-approval process which happened exactly on the same day, I have repeatedly asked her to lock in the interest rate through phone calls, messages, emails. I even spoke with her realtor friend and the loan processor to lock in the rate. She completely ignored my requests. On XX/XX/XXXX, just 10 days from closing on the loan. She contacted me that in order to lock in the promised rate I have to pay over {$14000.00} in " points '' purchase. I still have every single message and proof that I have contacted her to lock in the rate. Needless to say I walked away and decided to go with another company that charged me half the price but at a higher interest rate. 

When I logged in to get the disclosure documents I electronically signed I found documents that I have never seen before. She has fraudulently, signed ELECTRONICALLY I have agreed to float my interest rates up to closing date. 
If I'm the one who begged her to lock in the rate, how did I sign this? It's because she did.
Consumer complaint received 2023-05-11
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. (CA)

My name is 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 reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and 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 ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I currently have an account with Regions XXXXEnerbank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In XX/XX/XXXX I did not receive my XXXX statement, then in XXXX when I received my statement it stated : statement date XX/XX/XXXX, and payment due date XX/XX/XXXX, making the payment due date before the statement date, this has been the issues since XXXX of XXXX. Before the problem occurred, I only had one late payment from XXXX, XXXX to XX/XX/XXXX. I had several conversations with Enerbank employees concerning the issue with no resolution. In XXXX I filed a complaint with The XXXX  case # XXXX and in XX/XX/XXXX my statements were corrected to Statement date XX/XX/XXXX, and Payment Due date XX/XX/XXXX. Then again in XXXX my statements were incorrect with the statement date being XXXX, XXXX and payment due date XX/XX/XXXX. Since the change in the statement date and payment due date I have incurred multiple late fees. According to their contract if my payment is due XX/XX/XXXX I have a ten-day grace period, I should not be charge any late fees until XX/XX/XXXX, however if my payment due date is XX/XX/XXXX my payment is due XX/XX/XXXX and adding the grace period my payment would be XX/XX/XXXX shorting me of 10 days for my payment to be on time which might contribute to the late fees added to my account
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (GA)

It has been brought to my attenttion that the Equifax Reporting Agency is not complying with the Federal regulation. I am submitting this CFPB Complaint to request to Equifax Credit Bureau to remove the disputed erroneous accounts that are still reporting to my Equifax Credit report. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}, are only reporting with Equifax Credit Bureau and were already removed from the other Credit Reporting Agencies. Also, I noticed that the dispute status of the disputed accounts are indicating " Account not Disputed '' despite the fact that I have been disputing these accounts for 6 months already. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately
Consumer complaint received 2023-04-19
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX  : {$2000.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-07
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: Self Financial Inc. (CA)

I am a victim of Identity theft and I have sent letters to both XXXX and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to XXXX asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX XXXX XXXX on XX/XX/2022 as well. After sending multiple requests to both XXXX and XXXX XXXX XXXX XXXX has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to XXXX as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MI)

First call I received XX/XX/23 from Americollect they said I had a XXXX  debt. I told them I dont have any outstanding debts and I havent received anything in the mail. XXXX told me oh you probably havent received it yet. She told me if I gave her my birth date she could look it up. I told her no thank you and that I thought it was a scam that I was not giving them any of my personal information. I then checked my credit report and discovered that Americollect had did a soft inquiry on my credit report, there was nothing sent to collections. Second call was XX/XX/23 I still have no idea what the debt is for. they still would not give me any information until I provided my full birthdate. I once again told them XXXX not giving out that kind of information and that they have XXXX days from the day they first contacted me to send me a verification letter, which I have yet to receive. I was told XXXX was sent out I have not received anything. I also asked them to stop contacting me that I have no outstanding debt and this is harassment.
Consumer complaint received 2022-09-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

This credit company have violated civil laws. I wasnt able to get credit loans due to the pandemic. You have hurt my ability to obtain credit no SBA loans nothing due to this company FCRA I.
Consumer complaint received 2023-04-19
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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