davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I have attached a copy of my credit report. None of the HARD IMPACT inquiries were made from me. I don't live in Michigan so I could not of tried to open any type of loan there. They were all done on the same day XX/XX/XXXX I think. Please look at the report I've attached and get these removed. I don't need these on my credit report. I'm trying to bring my score up and work to get the bad impacts removed. I need this done please. I don't reside in Michigan so I don't know who did this.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX ohio hafs program. XXXX knows I was approved for State assistance through the XXXX XXXX XXXX XXXX Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.
Consumer complaint received 2022-10-25
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. (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, TXXXX XXXX : # XXXX 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Sections ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-04
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Monterey Financial Services LLC (CA)

XXXX XXXX in XXXX, CA has been repeatedly calling my cell phone, even though I am paying/have paid my bills in a recurring and timely manner. They called my cell phone at XXXX XXXX/XXXX/16. When answered, the caller hung up. The numbers attached to this company calling my cell phone outside of legal hours is XXXX. I have asked them to resort to email communication if they can not follow the rules for contact via telephone set forth by the FTC. They will not comply, nor will they address the issue. I contacted them shortly after XXXX PST on XXXX/XXXX/16 to discuss this issue, and was met with aggressive/unethical collection tactics in regards to a bill I have been paying regularly and timely, which resulted in being hung up on by a representative.
Consumer complaint received 2022-10-25
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)

Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX CARD XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.
Consumer complaint received 2022-10-25
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. (GA)

I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-10-25
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. (CA)

Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX  XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed the inaccurate accounts listed on my credit report with TransUnion. On XX/XX/XXXX the respond to by dispute via mail stating that either accounts have been verified as accurate, the account has been updated or the account belongs to me. They sited their sources as either the original source, or third party vendor named XXXX. I have reached out to XXXX and gotten a report of the file they have on me to compare the results with TransUnion claim. XXXX states clearly that they dont contain the accounts that Transunion claims to be verified through them. How can this be accurate if the source " XXXX " denies Transunion claim?? This is inaccurate and I would like Transunion to provide me with their proof such as the report from XXXX which they claim the used to verify and any other original source used to make their verification. The accounts are listed below : 1. US Bankruptcy case # XXXX XXXX ACCT # ENDING IN XXXX XXXX ACCT @ ENDING IN XXXX 4. US Bankruptcy case # XXXX
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is an addendum to reopen claim:XXXX Attached please find consent from my mother giving permission to represent her interest in this matter. She does not speak English and her health is delicate as a result of a XXXX. Therefore, she has assigned me to speak on her behalf.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

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

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. 

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 2022-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snellings Law LLC (NJ)

I responded in writing to the letter from Snellings Law, LLC. I got dated XX/XX/, on XXXX XXXX XXXX  advising this was not my debt. The debt collector advised he was an attorney and was suing me. I called, and no response. My family member called, and they took a message. A call was returned a week later advising they did not have information. My family member requested more information in the call. A male identifying himself as XXXX XXXX advised he did not have any information about the debt. The reported group, providers, and how the debt was caused. The family member continued asking questions about the TIN # and PIN #, CPT, dates of service, and where the service was provided. The guy finally gave the TIN #. There were more numbers that he found and gave. 

I called my insurance company and also located the EOB 's that stated I did not owe any money further to any medical providers. This was the balance billing of an IN Network provider for In-Network services that they accepted the fees for from the insurance company. I opened a case for balance billing with the insurance company. I am supposed to go to court still? this is not my debt.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Enclosed is a copy of an identity theft report along with an affidavits requesting Equifax information services llc to remove 2 unauthorized inquires listed on my credit report. I never authorized anyone nor any establishment or business to pull my credit. These inquires are fraudulent and I'm requesting they be removed immediately. thank you
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. 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.

The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Reference XXXX
Consumer complaint received 2022-10-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. 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. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : $ XXXX
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

I logged in my XXXX XXXX to down load the XXXX XXXX. I was given a code to put in XXXX Then I was directed to call XXXX and find out why I cant log in to the XXXX XXXX XXXX XXXX. That is the first picture. 

Then the guy on the phone said that my XXXX account was compromised that there was {$6000.00} charged to my account. He listed a bunch of states that my account was in. He then had me download the cash app, rainbow app, rockitcoin and XXXX. And XXXX app too. He had me use my XXXX and downloaded all the apps. He watched the XXXX screen when I put in my bank card numbers and then my passwords and email. I started to get suspicious when he was pushing me to go fast. My husband told me to hang up and I did. He continued to text me. XXXX pictures. There were names he had me send money too. He said they were the people who purchased on my XXXX aXXXX XXXX XXXX and XXXX XXXX. The bank is refunded me all my money except the {$2500.00} that was sent by the scammer that hijack my computer and sent money through the XXXX app. I have made several requests for the bank to refund my money but they are refusing. 
I filed a police report and had to change out all internet equipment because my IP address was compromised. I have the police report but I am unable to get to it because I am out of town for the next week.
Consumer complaint received 2022-10-25
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks, and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Experian. I already contacted the bank and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file. Dont you feel bothered by what youre doing? You are damaging my credit file for this! Again, I am attaching my FTC report along with the recent dispute letter I sent for you to review and finally consider deleting this damaging information from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report by XXXX XXXX XXXX Placed in collections by Credit collection company Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Collection opened : XX/XX/XXXX Date of reflection : XX/XX/XXXX account number XXXX Amount : {$370.00} As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely,
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I submitted an employment contribution form showing I work at a qualifying employer. My form shows I started employment on XX/XX/2021 and it continues to present. Fedloan Servicing decided to rob me of credit for XX/XX/2021 and XX/XX/2021 and list my start date as XX/XX/2021. When I called them last time it took two and a half hours to reach someone and they did not resolve my issue. I would like Fedloan Servicing to do their job of properly counting my payments. It is worth noting they still have not given me credit for XXXX, but this is a new complaint about how I am being robbed of credit for other payment periods.
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MI)

I have contacted Experian numerous times asking them to remove inaccurate information that is being listed on my credit report. I have contacted them asking for them to remove different variations of my name ( XXXX names I DO NOT go by ), as well as XXXX rental houses/condos that I once lived at for a short time, as I am concerned about possible identity theft in the future. The XXXX XXXX XXXX XXXX address is basically a vacation rental building and people are coming and going quite often. The XXXX XXXX XXXX address I am concerned as my previous landlord now occupies the house and she is n't very stable. I want nothing with my name associated with her and the address on XXXX. I 've asked numerous times, like I said, but most recently I sent certified mail on XXXX XXXX # XXXX XXXX XXXX XXXX XXXX and havent received any correspondence back saying they 'll remove the items I had concerns with. 
In addition to Experian not removing old addresses and incorrect names, I requested they delete a very old tradeline that should not be reporting anymore. The account listed on my credit report as : XXXX # XXXX I am requesting a deletion as it is obsolete to still be reporting. DOFD was XXXX 2009.
Consumer complaint received 2015-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX with a balance of XXXX with a balance of XXXX these accounts show on my credit report, company has been unwilling to answer requests for information on these debts and continually reports them as " verified '' to the credit reporting agencies. in effort to repair my credit, even though the balances are not mine nor do i know the accounts, i paid the amounts directly to PRA. The accounts were re-verified with the credit reporting agencies and still shows full balances on my credit report. i find this tactic a bit dishonest and want PRA to remove the items from my credit report immediately