davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (OR)

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 items 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 any item 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. 

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

XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XX/XX/XXXX XXXX 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit XXXX.
Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (VA)

On XX/XX/2023 I was forced out of my home making me and my wife officially homeless. I was having so many issues with my money that I emailed them and told them. I also told them my phones at the time had been turned off and the only way to get ahold of me was email. They completely ignored that and I imagine kept trying to call me. On my wifes birthday without any notice with everything we own in that car. Keeping in mind that we are homeless they repossessed our car. They didnt even try to work with us even though they swear up and down that they did again I am guessing by phone which wasnt working. Now they tell me a XXXX Veteran that I have to figure out how to get my stuff. If they said oh hey I am going to repossess your car I would have gladly have gotten my stuff out of that car. We had no warning. I just want my stuff I dont want anything else from them. I have no way and no money to get it myself. Then when you call and talk to these people they are so unprofessional that a person ends up losing themselves and cursing them out. I normally do not do that when conducting business. These people bring the worst out in people. Nobody should be doing business with these people. They shouldnt even be in business anymore.
Consumer complaint received 2022-09-22
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. (MD)

This is an old tuition bill at XXXX XXXX University that I have been disputing for more than 6 years now. About 2 years ago, XXXX XXXX starting using a company called XXXX XXXX to report this to the major credit bureaus as an account with a payment schedule. To date, they have reported 16 missed payments on my credit report. I have never had a payment schedule on this account! 

They are also reporting that payments have been made on this account as recent as XXXX. Both of these actions seem to be an attempt to try to keep the debt alive while simultaneously ruining my credit. My credit report shows that prior to XX/XX/XXXX, there was no payment history being reported on this account. It suddenly shows up in XX/XX/XXXX, nearly 4 years after I first disputed this account. 

I have disputed this information 7 times with TransUnion and each time, I am merely told that disputed information was verified as accurate. I am never given any proof that validates this. I would like proof of this payment schedule that they claim I am delinquent on. Please ask them to provide a SIGNED payment agreement. Also, regarding the payments they claim have been made on this account; Please ask them to provide scanned images of a check, wire transfer, or credit card authorization proving that this payment was actually made. As I said, it feels like an attempt to keep this debt alive. 

I have been turned down for two mortgages because of this false reporting and am in fear that it will cost me my job if a credit check is performed as an ongoing condition of my employment. If XXXX XXXX can not provide a signed payment agreement or indisputable proof that payments have been made on this account, I respectfully request that they be required to remove this information from my credit report. 

Thank you for your assistance.
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (CT)

AS OF XXXX XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage XXXX  Balance XXXX
Balance updated XXXX XXXX XXXX  Credit limit
XXXX  Account number
XXXX  Open/closed
Open
Date opened XXXX XXXX, XXXX  Account type
Credit card
Status
Open.
Status updated XXXX XXXX  Highest balance
XXXX
Monthly payment XXXX
Last payment date
XXXX XXXX, 2023
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  Phone number XXXX XXXX
THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Consumer complaint received 2022-09-23
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2011 Balance : {$12000.00}
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (WY)

In reviewing my credit report I noticed the following debts placed with Collections Professionals in 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} I immediately sent a certified letter requesting validation of the debts, to which Collection Professionals responded that they did not have enough information from me. I copied my credit report information and re-sent them another letter via fax on XX/XX/22 to which I received another response stating they did not have enough information to reply. 

I have attached some documentation to prove that I have sent information to them requesting validation of the debts. 

I need these debts validated as I have no information on them and they are severely effecting my credit score and would like to hold this company accountable for this.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (VA)

Hello, Name : XXXX XXXX Loan # XXXX - Servicer : Cross Country Mortgage - COVID Forbearance Request I need assistance with confirming why my servicer does not allot me the ability to receive a COVID forbearance as my family and I are currently impacted by COVID. Per FHA guidelines, forbearances are still available until end of declaration which has still not occurred. 

My husband lost his job due to COVID and we are currently on a reduced income. This will be a temporary situation as he is actively looking for employment but I am seeking the COVID forbearance to assist with having to make reduced or no payments for a short period. I contacted my servicer today to advise and was told I could not receive the assistance and what will happen if I am on it regarding having to pay a lump sum or other possible options. I also contacted FHA and was advised I would have to reach out to my servicer though I have already. I feel like I am hitting a roadblock. I am aware of other servicers offering the same assistance for FHA loans and am confused why I can not receive it. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX in a constant dispute with this account information called XXXX XXXX XXXX  the information violates my rights as a consumer the account continues to report in the year of XXXX which The state of texas the information as the right to report for only 4 years its past the statue of limitations if this inaccurate information continues to report I will have result in ligation. This has majorly impacted my ability to obtain credit, I have requested information and have not received documentation supporting this account as well.
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

My name is XXXX XXXX XXXX My consumer Rights are being taken advantage of by these debt collectors, Law Offices MBA and XXXX XXXX  for committing identity theft with my name. Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the initial disclosure if any, to direct that such information not to be disclosed to third parties under 15 USC 6802 ( B ) 1c. Not to mention some HIPAA Violations but Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by Law offices MBA and XXXX XXXX  who now says i owe them a debt which on XX/XX/2022. i requested validation and have not received any notice of this attempt to collect until now but they are communicating to me via my consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all other third parties involved. If I don't find remedy to cure these violations of my right to privacy under federal law, I will have no choice but to file a lawsuit in which I will be looking for actual damages caused from these companies ' unfair and deceptive practices. Law offices MBA and all other third parties involved to be criminally liable and prosecuted for aggravated identity theft pursuant 18 USC 1028A, extortion, mail fraud and theft by deception. Please note that I went through all channels to get this problem solved and I am giving formal notice that I intend litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.
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: EQUIFAX, INC. (IL)

I sent a letter out on XX/XX/XXXXXXXX XXXX, 2022 to XXXX, XXXX and Equifax. Here are my tracking numbers ; XXXX : XXXX XXXX : XXXX Equifax : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-01-27
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX. Account number. XXXX has violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts XX/XX/XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXX XX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XX/XX/XXXXXX/XX/XXXXXXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2023-01-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc (FL)

On XX/XX/2022 I saw an ad from Flexshopper about a XXXX on XXXX. I believe the ad said the same thing I saw on their site ; 90 days same as cash price, with a XXXX on it. Exactly the same device I was looking for but didnt bought because it was still over XXXX dollars most places but this company had it and gave me 90 days to pay XXXX so I thought it was a no brainer. AFTER signing the contract I got an email congratulating the purchase but it had on parentheses the VERY IMPORTANT FACT that as a resident of XXXX, XXXX  or XXXX  I did not qualify for the 90 days SAC option! What!!!!! You telling me this now?!!! -remember saying to my self-. Went back to the site and CONVENIENTLY for them they DONT have NO OPTION TO CANCEL THE ORDER! My new early purchase option was XXXX dollars!!!?? 
I then replied the same email with the notice and they responded a day later that I had to refuse delivery or lease would start. I asked them to be diligent on the matter because I work 6 days a week and most likely I wasnt gon na be home. Wrong of me telling them that. Because they dint even responded until after delivery was made. Now, they will NOT HONOR THE 90 days same as cash and only refund me XXXX WEEK ( XXXX ) of the lease but for that I have leave my work and ship the box to themi must fix their own mistake they say they even charging late fees for that week they put on hold the leasing. I told them it must be a scheduled pick up and they wont accept. Just XXXX weeks ago they updated their site that XXXX  XXXX and XXXX  residents dont qualify for the 90 days SAC option on the site. I have evidence and will upload it to prove that on XX/XX/XXXX their site had the promotion of the 90 days SAC option and on the bottom of their site wasnt the exclusion notice of XXXX  residents. Also, the signed agreement I have w them has no mention that as a XXXX  resident I am excluded from their promotion. This is bait and switch. Guarantee you am not the only XXXX. Please! Do something!!!
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Bank has proven to be incompetent and untrustworthy yet again. On XX/XX/2023, my employer transmitted {$400.00} to Wells Fargo Bank. It was transferred via direct deposit. When I logged into my account on XX/XX/2023, I noticed the deposit had not yet been updated in the bank 's system. It has been XXXX business days and the bank claims to be in non-receipt of funds transferred to them. When I called and spoke to bank representatives, they were not receptive and lacked listening skills. Instead, they appeared to be reading scripts like robots. Please investigate this bank and help me locate the funds they claim to have never gotten!
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I recently went into the bank and provided them with my dba which was from 2020. I received a check that was made out to my XXXX XXXX XXXX name and did not realize the bank did not have that info. Then I received a letter that the bank was closing my account. After more than 20 years with various accounts with this bank they are closing my account. It is a hardship to move everything over and it may cause penalties and fees as I navigate a switch during these busy times. Im concerned of fraud as I see no reason to close my account and they wont share. This should not be legal not to disclose. And also Id like to know if they are closing because I am a person of XXXX and they are unjustly targeting me.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.