davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I first wrote a letter to all credit bureaus back in XX/XX/XXXX, the wrote back saying all the information on my report were correct. I called on XX/XX/XXXX to dispute the items on my credit report, it was " fixed '' the wrong names was still showing when I asked them to remove it and only shows the correct information, as well as other collections that should've been removed. One rep even told me they can not delete my address because " it part of my history ''. my address is not public record for others to see. 
In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-07-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2019-04-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my XXXX parent 's home in order to take pictures for a XXXX XXXX   XXXX ( XXXX ). The XXXX was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of Select Portfolio Servicing , INC. ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and SPS has been previously put on notice regarding trespassing. I contend SPS has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX 's illegal actions at the direction of XXXX and SPS, I and my siblings feel violated and threatened. SPS continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. SPS has been repeated told this property is NOT the property described in the purported mortgage. In addition, SPS has yet to provide a legitimate claim per XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (AZ)

In XXXX of 2018, Ditech Financial requested a homeowner 's insurance declarations page from our insurance company XXXX XXXX. XXXX XXXX  sent them the wrong page that included more than just the home portion of our farm policy. Ditech paid on that XXXX page which was substantially more than necessary. This threw our escrow account into a negative balance and caused our house payment to skyrocket. When I finally realized what had happened we tried many times to get this situation rectified all while continuing to make our normal house payment. It took 2 YEARS for them to fix this. They assured us many times that it would get fixed in a timely manner and because Ditech declared bankruptcy in the midst of our dispute we were lost in the mix many times. It was nearly impossible to talk to anyone who could help. Our home was even thrown into foreclosure! 
When we finally got things fixed they assured me that they would rush letters to the 3 credit bureaus so that the negative marks on our credit would be corrected. They still have not done this and I can no longer get anyone to help me because they sold our account to another mortgage company during their bankruptcy. Our business and our good credit have been negatively affected by their mistake and they need to fix it.
Consumer complaint received 2022-07-22
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)

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 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

My roommate and I paid to break our lease from our former apartment in XX/XX/year> ( we have confirmation of all of this ). The apartment claims that there was a glitch in the system that caused us to receive a final statement of {$3800.00} that still included this fee and the last months rent on it that we had already paid. They were extremely unresponsive ( we have proof of all the times we reached out ) but they told us it would be resolved since we paid it already. In XXXXXXXX XXXX XXXX my roommate received a letter stating we owed the debt from our final statement to the company that I am filing this complaint against. We sent them the proof that we paid it and they said that they couldn't prove that that payment was for the debt and that our apartment had to reach out to them or our credit score would suffer. As I stated before, our apartment complex is extremely unresponsive and would not answer them or us. My roommate and I sent the collection agency an email stating that we would not be paying the debt back as it was false and it was past the time frame that the collection agency has to prove that we actually owed the debt. They then put it onto both my credit score and my roommates credit score, dropping the scores that we had.
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (ND)

On XX/XX/2020 I received a notification that XXXX XXXX XXXX XXXX XXXX had an inquiry on my credit report. I have tried to call the numbers associated with that and no one will ever answer. It tells you what called you are and how long he wait is and you sit on the phone for 45 minutes and no one ever answers. The company seems like it is something to do with small business loans for relief with Coronavirus. I do not have any kind of small business nor have I ever. I have tried to email 2 different  emails addresses also and I have gotten no response. I want this inquiry off. It is not mine and I have been struggling to get the inquiries and my credit back and this doesn't help me. I tried to call Experian and dispute it, but they told me they can't do anything until they get something in writing from the XXXX XXXX XXXX XXXX XXXX and I can't get that if no one will acknowledge my concerns.
Consumer complaint received 2020-07-16
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. (NC)

I have sent Equifax numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to report the accounts after receiving documents showing they are inaccurate. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Equifax numerous times. Attached are the proof as well as the letters sent to Equifax showing they failed to delete these accounts for inaccuracies. The dispute letter sent on XX/XX/15 was never even responded to.
Consumer complaint received 2022-09-12
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

A coalition of attorneys, announced on XX/XX/2020, a settlement with XXXX XXXX XXXX XXXX ( XXXX ). The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk. XXXX has agreed to help repair consumer credit reports that were damaged by its alleged practices by removing the account from credit reports. 

In the settlement on page 9, paragraph 16, " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. '' I have two letters to credit reporting agencies and have not received a response regarding this particular issue.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-11
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. (NC)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Consumer complaint received 2020-07-16
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: First Federal Credit Control, Inc. (FL)

Please be advised I requested validation from the collector. I also requested proof of signature to my agreement of services not receive however I did receive a response that included personal medical records that clearly violates my hippa rights. Also the debt isnt fully verified without my signatures. The collector did not provide me a release that releases my medical information to them, therefor by providing such information they are violating my hippa rights. I will need to refer this violation to the appropriate people if items Remain.
Consumer complaint received 2020-08-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XXXX 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 im 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 30 days gives a reason to immediately remove those items from my credit report, It has been well 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MO)

I received in the mail a {$2500.00} check from XXXX XXXX XXXX and XXXX XXXX for a claim for services rendered for XXXX  XXXX. Then, I proceeded to submit the check on XX/XX/XXXX as a mobile deposit to my bank - Suntrust now Truist. 

Then, the next day, I am unable to get online access to check my account.I called customer service and I am told that the account is closed yet the check has cleared. 
So, I call XXXX XXXX XXXX and XXXX XXXX to ask it the check is legitimate. I am told that check for services on XX/XX/XXXX is real. 

I call the bank and ask what is going and is my account or not. I told the representative that I would prefer to keep the account as I have my VA XXXX check coming monthly to the bank. 

Then, on XX/XX/XXXX, I receive a letter saying the hold has occurred for the following reason : " We have confidential information that indicates the check may not be paid. '' And, if the funds held for deposit do clear " funds will be available on XX/XX/2020. '' I call customer service today and I get the message that the account is on hold and the account is under and closed. So, I have a concern why am I getting mixed messages about the legitimate payment made to me and deposited in good faith to the bank. As of now, I don't when or if I will receive my {$2500.00} due to me. Please advise and help me. I am XXXX  veteran who needs the money to pay my living and medical expenses in a prompt fashion. 

This matter has really shaken me to my core, and I wonder why this imposition and inconvenience has occurred. Thank you, in advance, for your assistance. 

XXXX XXXX XXXX XXXX ( XXXX  )
Consumer complaint received 2019-04-09
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. (NV)

one XXXX  account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Consumer complaint received 2019-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MI)

I purchased my XXXX XXXX XXXX in XXXX  at a cost of approximately {$24000.00}. I gave the car company a {$4000.00} down payment on the vehicle. The car is financed through Consumer Portfolio Services ( CPS ). They are the only finance company I have had on the vehicle. I have made payments on the vehicle for the last FIVE YEARS and I still owe {$17000.00}!!!! I have made over 150 payments over the past 5 years on my vehicle at {$610.00} a month and the difference between now and 5 years ago is only {$7800.00}!! I have discussed this issue several times with CPS and the only excuse they give me is that if I pay late then they don't apply the payment to the prinicpal. It goes directly to the interest and late fees! I should own this vehicle by now and all I have to show for 150 payments at {$610.00} a month is a balance of {$17000.00} dollars!! In addition to the misappropriation of payments, my former account manager, XXXX XXXX, harrassed me so bad about a date change to an arrangement I made that I had to write a complaint to the company 's board of directors. Please look into this issue as this is clearly PREDATORY LENDING and this company needs to be stopped for not only their lending/financing practices, but also for harrassing their customers.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have become an new member of a credit membership and have come to find I have unauthorized inquiry on my consumer report. I've contacted the credit bureau to dispute these inquiries immediately i was told to file a ( CFPB ) report and retrieve a cover letter. these actions were taking on XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.