davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. 
Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. 
Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (OH)

I was in a XXXX  XXXX Bankruptcy for 5 years. My Bankruptcy was XXXX on XX/XX/XXXX. I satisfied all my delinquent payments with Third Federal. I called Third Federal toward the beginning of XX/XX/XXXX ( I cant remember the exact date ), to request online access to start making my mortgage payments. The representative stated that I would not be able to have online access to my account due to my bankruptcy. I explained that my bankruptcy has been XXXX. She explained that because I had a bankruptcy I would never be able to access my account online, and that it was Third Federals policy. 
I can understand not being able to have access to your account online while in an ACTIVE bankruptcy, but I don't understand why I wouldn't be able to have access after it has XXXX. 
This practice is bias and prejudice. I completed my bankruptcy, I am current on my payments. I should be afforded the same conveniences as other customers. Third Federal should not be permitted to make it harder for me to make my payments. I should not be forced to go into a branch, especially during a pandemic, or use a break or my lunch at work, to make a call. I should be able to pay my mortgage online like I pay all my other bills. I should not be discriminated against because I fell on hard times and had to file a bankruptcy.
Consumer complaint received 2023-03-24
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)

There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX Date of Inquiry XXXX/XXXX/2020 XXXX Date of Inquiry XX/XX/2020 ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This new complaint against Bank of America is related to complaint # XXXX XXXX I filed with you XXXX XXXX, XXXX, against XXXX XXXX XXXX I made payments through both these banks to XXXX, a company claiming to provide lifelong computer tech support monitoring. ( The first payment was a check from XXXX XXXX for {$750.00} - that is the payment I disputed in my 1st complaint to you. ). This new complaint is against Bank of America ; I made 2 VISA pymts through them to XXXX XXXX & XXXX, XXXX, totaling {$1100.00}. I did not discover this co. was a fraud until they called me XXXX XXXX saying they detect hackers on my computer which is not covered by the package I paid for- I need to buy a new pkg. I filed a complaint with CT Atty Gen office which said to file fraud charge with Bank of America- I did on XXXX. 
XXXX, XXXX. They sent me a letter saying I waited too long to report it- but these hackers wait months between calls asking for more money to fix hacks, so I had no way to know within 1 month, that this was fraud, so it was impossible to report it to Bank of America that quickly. Please help!
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

XX/XX/2022 HUNTER WARFIELD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for HUNTER WARFIELD From : XXXX XXXX Regarding : Unauthorized Administration of the XXXXXXXX XXXX XXXXXXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC (LA)

After I did not take their calls about a debt in collection Assets Recovery Solutions sent the following misleading text message on XX/XX/2023 at XXXXXXXX XXXX Central Time to try to get me to respond : Dear Beneficiaries of XXXX XXXX XXXX ( Late ), We have important information regarding unclaimed property associated with the estate. 

Property # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Description : Mature CD or Save Cert To claim the property, please contact XXXX XXXX XXXX XXXX. 

For assistance with assets recovery, you can also reach out to XXXX XXXX XXXX ( Director ) at XXXX or visit XXXX 

Thank you. 

XXXX XXXX Assets Recovery Solutions XXXX XXXX XXXX XXXX, New York XXXX
Consumer complaint received 2022-01-20
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. (TN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Violation of FCRA Equifax lowered my score for no reason which is harming me and is stopping me from progressing in life Idemand to receive compensation. {$1000.00} per violation
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-05
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

During the Covid pandemic, my ex-husband and his current girlfriend took advantage of the pandemic, and with everything being online, I fell victim to identity theft from him, using a photocopy of my identification card and submitted a online lease for a house, which that company did never do a face-to-face meeting or anything. He fraudulently leased XXXX houses with the same company starting XX/XX/2021. Which fell into collection and this is how I found out about it. Ive reached out to the collection agency regarding both accounts. I submitted my police report and identity theft affidavit to them, letting them know the situation which they failed to work with me. All they can let me know is that there was an online application submitted and was approved and a lease was generated, no signature or anything, proving that I was the one that actually leased it, which most during the pandemic there was no face-to-face contact and the scammers all came out to do damage. I reached out to the credit reporting agencies and they are just doing a standard verification saying that its a valid debt and Im not getting any verification of how they verified the debt or anything I am aware of my rights, and I do know that they are supposed to verify and submit prove to myself from either there or the reporting that companies. I am now we need to make a complaint towards the credit reporting agency for falsely and knowingly providing false information which is causing harm to my personal life now because I am myself Im trying to lease a property face-to-face with a real estate agent and they will not least to me because of these fraudulent charges on my credit report. 

The company XXXX Address XXXX XXXX XXXX, XXXX, MD XXXX. 
Account number XXXX and also account number XXXX I think you in advance for looking into this matter and exercising my legal right
Consumer complaint received 2022-01-20
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. (MA)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (WV)

Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed. Ally continues to deny me based off of one late payment on my auto loan with then even though it was their representatives fault because he put my account info in wrong and then the payment bounced and they never called me or even returned the payment until after my grace period was over and they reported me as late. Had they let me know something was wrong or returned the payment I wouldve fixed it but I had them read my the account info used for said payment and it was incorrect meaning their rep heard me wrong or didnt hear me or check themselves to ensure it was correct but Im suffering for his negligence.
Consumer complaint received 2023-06-26
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)

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. 

Account name : XXXX XXXX XXXX  Account number:XXXXXXXX  Account name : XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section XXXX of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.
Consumer complaint received 2023-08-05
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. (MD)

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 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 THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-08-05
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: CITIBANK, N.A. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please remove immediately from my credit report. 

CITIBANK N.A. / {$850.00} POSTED ON XX/XX/2020 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CITIBANK N.A/ {$2400.00} POSTED ON XX/XX/2020 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Sincerely, XXXX XXXX