davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (TX)

I submitted a Dispute to Equifax. I received a bill for monies to an apartment that I lived in before I purchased my home last year. The apartment complex sold the bill to their collection agency, XXXX XXXX XXXX. I submitted proof that I paid the account in full prior to moving out of the unit, as well as proof that I was cleared to move out and did not owe any further monies to the apartment complex. This was signed by myself and the apartment management. When I received the bill, I emailed the new apartment manager and asked her to please take care of this. She said that she was no longer legally allowed to communicate with previous tenants once they move out, per corporate policy. I submitted my proof to the corporate office, who said that they were unable to speak to me since it had been sent to their collection agency. The collection agency denied my proof of payment. I sent my proof of payment in full and my documentation to show that when I moved out I did not owe a cent and I was on good terms with the apartment complex. Equifax said that their decision was that the debt was accurate and would remain on my credit file. What more do I need to send to show Equifax that I do not owe this debt? I thought that proof of payment and email correspondence between myself and the apartment complex was substantial. Can you please tell me what else I need to send to have them remove the account? I can't afford to sue them, but I don't know what else to send besides receipts from my bank account and correspondence from the apartment complex that shows I owed nothing on moving out and was in good standing. I also found that this apartment complex has many different complexes and is owned by a huge Corporate office and they have a history of sending bills for frivolous charges this to consumers after moving out and refusing to speak to them. Thank you very much for your assistance.
Consumer complaint received 2019-08-26
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. (VA)

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the Equifax data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Consumer complaint received 2019-08-26
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. (VA)

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the XXXX  data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Consumer complaint received 2019-08-26
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)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit See Attached : Enclosures : I have enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed inwriting, upto and including but not solely limited to fraud and/or identity theft.

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003, Affidavit of Facts in Discovery, Exhibit A-B
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2019-08-26
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. (FL)

Experian is reporting incorrectly a charge-off in the amount of {$7700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 5 attached from my credit report. ) This vehicle was in a car accident and was deemed a XXXX XXXX and the insurance company XXXX XXXX   the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this, however I have not been successful.
Consumer complaint received 2019-08-26
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)

The following account does not belong to me and I'm asking that it be removed immediately. I have kids with the same name but its not their either. The only thing I could think of is when my wallet was stolen., so maybe this is the doing of some perty thief. I'm demanding that this account be removed from my credit files. 

1 ) XXXX XXXX XXXX {$440.00}
Consumer complaint received 2019-07-10
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: Experian Information Solutions Inc. (NY)

To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX AF XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX BANK XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I opened a TD 60 Plus Checking account. TD Bank was unable to get my mailing address correct no matter how many times I contacted them. My statement was ending up in unauthorized hands. On XX/XX/XXXX I closed my account due to address problem and unprofessional behavior at the branch. Unfortunately, I had a refund from a merchant due me in XX/XX/XXXX. TD Bank said they never received the credit to the closed acct. However the merchant sent me proof of said transaction. Finally a month later they admitted they had the money and sent me the funds with plenty drama. 

Now on XX/XX/XXXX, another merchant has informed me they have also credited my closed account. They have also sent me proof of this transaction. Again TD Bank is telling me they don't have the funds. ( This time the credit is a much larger amount ). 
While the merchant understands that the account has been closed for a long time, they told me it is federal law, that they MUST return it to the account the purchase was made through. I have tried to get TD Bank to cooperate. Please Advise me ... ..Thank you.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 690k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct # XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX IN. Also there are inquiries on my report I did not authorize as well : Company Inquiries 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
Consumer complaint received 2019-08-26
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)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

Common Wealth Financial System, recently sent a letter AFTER placing these derogatory items on my credit report. The notice is Dated XX/XX/2019, I received XX/XX/2019, and the data was placed on my credit prior to notifying me of my right to dispute. 
Actually it was noted as XX/XX/2019. 
Per FCRA you should notify the consumer, this company violated the FCRA and has damaged my credit. 

Please review the attachment for reference.
Consumer complaint received 2020-05-31
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: CITIBANK, N.A. (WA)

I purchased XXXX XXXX Tickets for a XXXX, WA show on XX/XX/XXXX for a show in XXXX, XXXX, however, this show was cancelled in XXXX, XXXX because of COVID 19. I then received an email stating that they rescheduled for XX/XX/XXXX. I had an option to cancel entirely and receive a refund, which I did. However, the charge on my credit card was still there in XXXX and I decided to dispute the charge. I could not get through by phone with XXXX XXXX to fix the problem, thus I disputed the charge on XX/XX/XXXX. The {$180.00} was credited back to me. By mistake I withdrew the dispute in XXXX and immediately called the bank and told them this withdrawal was a mistake. I was told they would fix it but it would take a few days. However, and it went back onto the card later ( several days ). I called the credit card company and was transferred to the dispute center. They said they would take care of it but they needed to give XXXX XXXX a change to respond within 10 business days. I then called the bank XX/XX/XXXX and spoke to someone who said I can no longer redispute the charge. That I need to contact XXXX XXXX. XXXX XXXX emailed me and said that there was a charge back on my card and I needed to contact my bank. 

The bank representatives are not taking care of this charge and I get different answers each time I have called about this charge.
Consumer complaint received 2019-08-26
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. (PA)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2019-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (KY)

On XX/XX/XXXX I made a purchase at XXXX 's XXXXXXXX XXXX in XXXX, KY. I used XXXX XXXX 90 day same as cash to make this purchase of {$300.00}. On XX/XX/XXXX I received notice that my loan was sold to Monterey Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I paid them the total amount of the same as cash loan, {$300.00} via XXXX XXXX on XX/XX/XXXX. At that time I went back to the on line account with Monterey and found that my account of paid and thus closed. Yesterday I received a call that I was past due on my payment of {$62.00} and my account was back open. This was a 90 day same as cash loan. It was paid off in just 2 weeks and this company is now trying to get more money out of me. This is wrong and has to stop. It is beginning look like a scam.
Consumer complaint received 2019-06-07
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. (CA)

Experian did not properly and thoroughly investigate my dispute with XXXX XXXX XXXX. Experian reported that they verified my information with XXXX XXXXXXXX XXXX and that they found it to be true. This is not true and Experian falsified the report because XXXX XXXXXXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Experian that XXXX XXXXXXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are found to be fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Experian that the charges on the account were incorrect and that XXXX XXXX XXXXXXXX did not allow me to dispute them and that XXXX XXXX XXXXXXXX never contacted me regarding the charges. Experian falsified their report of stating that they verified that XXXX   XXXX XXXX had initially had my correct information at the time of my first dispute, which was not true. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Experian and complaint with CFPB. I request that Experian remove the XXXX XXXXXXXX XXXX account from my credit report report.
Consumer complaint received 2019-08-26
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. (SC)

Since 2017, I have repeatedly filed disputes on unauthorized inquires made and an account which is not mine. I have personally called Equifax many times and was told that they could not do anything about the situation even though there is a Legislative Security Freeze on my information. All the companies have been notified in writing with no response from any. In addition, none of the companies have contacted me before acquiring my information for verification. To this date, the information still remains on my credit report.
Consumer complaint received 2019-07-10
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. (CA)

In XX/XX/XXXX, Equifax reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with Equifax XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by Equifax for the fraudulent XXXX account.
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by I.C. Systems Collection by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, I.C. Systems Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

My mom had a XXXX XX/XX/19. I called the debt collector on XX/XX/19 because they had called my mom 's cell phone. I told the person my mom had a XXXX & was on XXXX & XXXX. The debt collector said she would note the account. I have now learned that the same day, XX/XX/19, I suspect after talking with me, they filed for wage garnishment against my mom 's XXXX for {$780.00}.