davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-08
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. (CA)

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed XXXX XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.
Consumer complaint received 2020-05-14
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-09-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Reports have confirmed that the XX/XX/XXXX began affecting XXXX XXXX in the fall of XX/XX/2019. I myself became ill in XXXX and I used all my accrued leave. I was fired from my job and all this while trying to pay mortgage and other bills. My mortgage with PennyMac is currently in forbearance and they are still reporting it delinquent. I have stayed in communication with PennyMac and Ive inquired about ways to make the delinquent payment. PennyMac refuses to help me. They have said that the payment will not be applied. I dont know what else to do. I am at my wits end. I need help with this creditor. I want my account status to no longer be reflected as delinquent and I am happy to make the 1 delinquent payment in order to make that happen.
Consumer complaint received 2020-09-17
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. (MO)

On XX/XX/2020 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 I'm 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 on my credit report it has been 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 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (OK)

My husband XXXX XXXX and I XXXX XXXX lived at XXXX XXXX XXXX manged by  XXXX  XXXX  in XXXX ok in XXXX XXXX. It was even reported on both our credit reports which has now been deleted but thankfully I pull our credit ever month and have for years. Hunter Warfield sent us a bill in XXXX, 2 years after saying we owe and we do not.. which we have been disputing since, the credit bureaus will not and have not investigated it and Hunter Warfield continues to lie about it.
Consumer complaint received 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}
Consumer complaint received 2022-07-14
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. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. This agency is in violation of 15 U.S.C. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately XXXX. This agency is in violation of 15 U.S.C. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately 4. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-09-16
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. (CA)

My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.
Consumer complaint received 2020-08-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (MD)

Amerihome Mortgage Co. I had an Forbearance agreement that started XXXX, XXXX, ended XX/XX/2020. I was told by mortgage representative that all late charges and reporting will be extinguished! My loan was NOT delinquent!! So, there should not have been any credit reporting made! My payments are due on XXXX of the month and after XXXX late charges will apply, that's on my payment statements. In XX/XX/2020, I was told by another bank that Amerihome mortgage reported me during the forbearance period for Late payments in XXXX and XX/XX/2020! I immediately called mortgage company and was told by a representative that they was sorry and will work to have it removed but will take 2 weeks? In XX/XX/2020, My credit score went from Excellent! to Fair? because of this reporting during hardship. I called mortgage company back in XXXX, No note was made on my account regarding the reporting retraction as promised? No one new anything about this problem! Now, Amerihome mortgage has made it difficult for me to make payments online!! This company dose NOT put the customer at the forefront? This is NOT an honest company! They use loans at the customers despair! 

XXXX XXXX
Consumer complaint received 2022-07-14
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I opened a dispute for a XXXX transaction that was made on XX/XX/2021 for the amount of {$200.00} for service that was not provided from the original merchant. USAA response was that I had provided insufficient evidence to dispute the transaction in my favor. Upon a XXXX Complaint and CFPB Complaint their Office of the CEO relayed to me that due to XXXX Laws they were not able to request a refund for the amount a second time without approval from the Merchant ( XXXX ). I then requested the approval from the original Merchant ( XXXX ) and upon submission of the approval for a refund of the amount in question ( {$200.00} ) USAA has repeatedly denied the re-opening of the Credit Card Dispute or any resolution to the transaction being refunded. I have provided countless documentation of evidence that supports my right to a refund but they have disregarded it all and have told me MULTIPLE different things. " I need to contact the collection agency to resolve the matter '', " I need to have the Credit Card Dept. handle my request. '' ( The Credit Card Dept. transfers me to the Dispute Dept. ), " I have passed the window to reopen and reassess the dispute. ", and " I am responsible for payment of the amount regardless of my documentation ''. I have received countless harassing cards from XXXX XXXX for Collection from this Transaction, I have been severely harmed by the impact it has had with my Credit Report as they have continuously reported false information ( Late Payments and Charge Offs and reporting my account as Open when it was actually Closed ) and I have had to deal with countless people misinforming me. I want this resolved and the amount on my account set to XXXX like it should of been months ago! I want my Credit Score/Report fixed and I do not want to have a single dealing with USAA ever again! If I have to get a Lawyer for this issue I will as I have already tried everything through the proper channels only to be harassed.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX XX/XX/XXXX {$4100.00}
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today I spoke with Mr. XXXX of Capital One ID- XXXX  who assisted me allegedly with skipping my XX/XX/XXXX payment. However, XXXX ID XXXX allegedly a customer advocate who I found him very condescending, demeaning and quite the opposite of the definition of advocate. My wife was extremely disturbed by his lack of professionalism and response. Frankly in our opinion he seemed not to be with it since I had to repeat myself a number of times and he NEVER answered my questions!. I finally had t cut off all communications with him. The fact is I asked him to hold onto the phone conversations from Mr. XXXX and with him XX/XX/XXXX between XXXX and XXXX XXXX. and to enter specific commentary into the account notes. I do believe you will find only negatives. I have already opened 3 complaints with you the CFPB XXXX-XXXX  and with the FTC and department of Financial Regulation State of Florida and Federal Reserve which sent me to you AGAIN! They have refused to respond to the earlier complaints and now have once again impacted me financially credit wise, fees and other issues ad inhibited my ability to gain financial loans or purchase a vehicle. I do not know why you have not assisted but sadly you have done nothing and they are evidently not interested and not concerned? You also have NOT repaired the incorrect name for my wife even though XXXX XXXX has corrected the issue multiple times whichoall you have to do to prove that lie is check out my wife 's name posting as XXXX  and with a middle initial of XXXX Opinion- A sham if immense proportion concerning their lack of skipping a payment I requested and I was assured by them it was and today immediately after Mr. XXXX assured me it was the so called Customer advocate XXXX  stated it was not done! LIES! A review will show I have been in touch with them multiple times via every venue and they failed to reply or respond. They merely ignore. To get through to them almost impossible! Their responses all fake news.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Hello, For years I have been enrolled in Equifax 's Complete XXXX XXXX. For approximately 8 months I am unable to lock my credit report. I called Equifax. The customer care individual was unable to lock my report on his end. This was then escalated by a supervisor who said that a report was sent to Equifax 's Technology department. In the meantime, I was told by this supervisor a Freeze would be placed on my file. Last month ( XXXX ) a future landlord needed my to run my credit. I called Equifax to unfreeze my report. I was told that a freeze was never placed on my report. I called Equifax again, today XX/XX/2020, to remedy this issue. I spoke to XXXX in customer care. He was unable to lock or freeze my credit report. He stated that my case has been pending for months. He sent another request to technology requesting them to repair this issue. I asked XXXX if this could be done today. He said technology was not responding to him. I asked him if someone could follow-up with me. He stated he sent a memo to technology to repair this issue and to call me back. However, XXXX said he could not guarantee I would receive a return phone call. He said he placed a fraud alert on my file. However, if a lender forgoes this, a person could still open an account under my name. I was notified by Equifax and XXXX XXXX XXXX XXXX 's Tax Identity Shield approximately two months ago that my Social Security number and e-mails had been stolen. I received a letter yesterday that someone ( using my name ) was attempting to become prequalified through XXXX for a revolving credit account. Luckily the request was denied due to the freeze I placed with XXXX. However, I'm very afraid that if Equifax does not lock or freeze my account, someone will have access to opening accounts under my name. If you contact Equifax, they have our conversations logged. Please help.
Consumer complaint received 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-14
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-04-08
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. (GA)

I contacted the collection agencies and the credit reporting bureaus regarding fraud and Identity theft. A freeze was placed on all three reports due to this issue. 
XXXX XXXX XXXX  Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX  Opened XXXX {XXXX} XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX}