davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX No. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-30
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MA)

I received this letter in the mail today and it says that there is a {$4100.00} debt under my name through XXXX. This is not my debt. This debt is suspicious and Im going to file a complaint with the consumer Protection Bureau and Im also going to make an FTC report concerning this debt under my name. What do they sell at XXXX that cost {$4100.00}? Isnt XXXX a cellphone company. I do not use XXXX for my service. I use XXXX XXXX as my cellphone provider for the last 5 years. Im writing you guys back because the letter said Afni Inc is expecting a response from me by XXXX XXXX or they will assume that the debt is mine. I believe that I maybe a victim of identity theft possibly because I did not have XXXX and generate this debt for {$4100.00}. In order to dispute this debt and prove that it isnt mine, Im going to send a copy of a bill that I have from XXXX XXXX and an FTC report because I believe that Im a victim of identity theft. Im going to send in proof of my identity such as a copy of my passport and a copy of my social security card. I have also enclosed the FTC report and Consumer Protection Bureau report along with this letter also.
Consumer complaint received 2022-10-08
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. (TX)

How many dispute letters and CFPB complaints do I have to send to the Credit reporting Agencies for them to finally pay heed to my requests and disputes? For the past 6 months, I have been disputing for the correction of my Credit file by requesting the immediate removal of the disputed accounts and information from my Credit File. I have read that the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft completely from my Credit File. However, this is not the case for my personal disputes. The Credit reporting Agencies have not fully removed all the disputed accounts and information from my Credit File and yet they have claimed that the disputed items are verified and accurate. I have been requesting that if the Credit Bureaus claim that the disputed accounts and information are verified, they should have sent me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting act. I am now submitting this CFPB complaint to inform the Credit Bureaus that I am planning to initiate legal actions. Once again, I am needing the Credit Bureaus to remove the following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Consumer complaint received 2022-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

On XXXX XXXX XXXX Dovenmuehle mortgage, a former mortgage loan servicer of ours sent me a letter stating that they have unclaimed property ( {$450.00} ) from XXXX XXXX XXXX, XXXX ( another former loan servicer ). I did not reach out in time of their deadline of XX/XX/2022 to claim the funds, so they stated they would submit the funds to the state of Florida for me to claim via the state 's unclaimed property site. After checking with the state of Florida, for several weeks after the deadline, and up through, today, they still do not have the funds. I have called Dovenmuehle several times to inquire about the lost funds, but they just issue a blanket statement that if I missed the deadline, then the funds were released to the state. Nobody that I spoke to, or that was transferred to, could actually trace my missing funds. Supporting document provided. Thank you.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (GA)

XXXX, and Equifax are inaccurately reporting account number : XXXX ( ( XXXX ) on my consumer report. The date of last active is XXXX XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX. Remove this account for inaccurate reporting.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (OH)

Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX OH # XXXX XXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXXXXXXXXX
Consumer complaint received 2023-03-15
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)

Ive submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXX XXXX XXXX XXXX  Us Dept of Edu .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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 2020-09-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

On XX/XX/XXXX we started the process for refinancing our home. We were conditionally approved on XX/XX/XXXX pending verification of documentation. We submitted all requested documentation the same day it was requested. On XX/XX/XXXX we became aware that Rocket Mortgage had failed to inform us that it was necessary for us to arrange with the attorney to do the closing for us so nothing had been done regarding title documentation. After that was taken care of, the rate lock was extended due to their delay. On XX/XX/XXXX, the attorney forwarded the title documents to Rocket Mortgage. On XX/XX/XXXX, they claimed the title was never received. They subsequently found that they in fact had the documents in their possession. After requesting several status updates, on XX/XX/XXXX we received a response stating our loan was " in line for final review ''. On XX/XX/XXXX, following another status request, they stated our loan was in the final review process. On XXXX it was discovered an updated bank statement was needed, which was submitted that day. We were later informed the loan was being wrapped up and they would follow up with an update. Today, we informed the company we were filing a complaint with your bureau if we did not finally get a closing date today. We were told to expect to hear from them this afternoon and our closing might possibly be tomorrow. Again we have not heard anything since.
Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IN)

I have an home mortgage with you Freedom Mortgage. They sent my escrow to the wrong parcel id for 2 years now. I now have a property lien threatening me as the negative balance is - $ XXXX. They have admitted their error, yet continue to give me the run around about why they have not dispersed a check to my county treasurer ( XXXX XXXX indiana ) to catch me up. I have 2 major loans ( 1 being a refi with a different mortgage co ) that had been held up by this and both have fallen through. I have tried and tried and called and called. Im tired of it. My next move is legal recourse to get me the help i need. It has caused major stress on my family ( 1 being my XXXX XXXX XXXXXXXX   wife ) and i as well as caused ( like i said ) 2 loans to collapse. Now they have claimed to have sent out a check to the treasurer on XX/XX/XXXX to cover the mistake. Its XX/XX/XXXX and XXXX XXXX has no record of a check. To make matters worse, freedom mtg took the money to pay for the mistake FROM MY CURRENT ESCROW! Now, my escrow is showing negative $ XXXX and they are asking new mortgage company to add this to the buyout. And it gets even worse. They want {$250.00} from me bc theres not enough cushion in my escrow they stole from. I have filed cases with the Indiana and NJ ATTORNEY GENERAL as well as the XXXX OF NJ. My wife and I want whats right and whats fair. I am extremely concerned for her and my XXXX  child as this stress of dealing with Freedom Mortgage is. Ever ending. Please help.
Consumer complaint received 2022-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-07-30
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: CCS Financial Services, Inc. (NY)

On XX/XX/2021, CREDIT COLLECTION SERV 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. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, CREDIT COLLECTION SERV has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-06-16
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. (CA)

on XX/XX/XXXX I submitted a complaint about Transunion reporting an open account that was originally closed by the creditor XXXX XXXX on XX/XX/XXXX. XXXX XXXX reopened the account stating I owed them XXXX for the car notes that were due to be refunded to me, because the car i bought was a repurchase under the California lemon Law. All monies were to be refunded to me ; XXXX XXXX didn't refund me my car notes. XXXX XXXX closed the account and sent me a letter stating the account was paid in full and the breakdown of all credits/refunds on the account, per letter dated XX/XX/XXXX. Transunion. now it shows a higher amount than the two returned payments i were to receive. As of XX/XX/XXXX Transunion responded to CFPB complaint # XXXX closed with non- monetary relief. I checked my credit report as of XX/XX/XXXX and XX/XX/XXXX and the account showed closed. But when I checked my credit report on yesterday XX/XX/XXXX the account was back on my Transunion report showing opened and owing XXXX. This is inaccurate information
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NE)

I paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to National Credit System a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this
Consumer complaint received 2022-10-08
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)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-07-30
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. (TX)

It has been drawn out into the open that Equifax is not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Equifax decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : + XXXX XX/XX/2022
Consumer complaint received 2019-02-27
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. (AL)

On several occasions I submitted numerous of letters to XXXX, Equifax, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
Consumer complaint received 2022-07-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.