davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Porania, LLC (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DEBT CREDIT SERVICES (TN)

On XX/XX/year>XX/XX/XXXX had XXXX to fraudulently open an account in their name on my credit profile for the amount of {$340.00}. I am asking that this account is removed immediately. Thank You.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I was recently contacted by Wells Fargo for some open disputes issues resulting on being denied and/or never resolved. The cases were recently resolved and they are as follow : Claim Numbers : XXXX, XXXX, XXXX. All on account ending on XXXX. My account was closed on XX/XX/year> and right before closure there were several disputes that weren't resolved/closed in my favor, they never got the chance for proccesing. I believe the disputes resolved are part of these unresolved disputes, only those were reviewed but I'm still missing several others. 

On the other hands, as part of remediation efforts I was also contacted for compensation for only around {$40.00} dollars. After doing my research I found out I was never compensated for my GAP insurance I paid to Wells Fargo after paying my car loan early. 

Please note these are XXXX separate issues and I'm requesting a thorough review of all historical claims were never resolved, specially those prior to account closure. Also, Please check my car loan that was paid early and never got reimbursed for remaining GAP insurance I paid when I obtained this loan.
Consumer complaint received 2024-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portofilio will not verify this debt they claim to be owed to them. I disputed this information before along with sending out certified letters to portfolios company. They have again posted to my credit report fraudulent saying they is the original creditor of whatever account they are claiming I owe to them. If they can not verify this information I wanted this account deleted from ALL CREDIT BUREAU ASAP. I will be filing a complaint with the state attorney office about this company and reporting them to the better business bureau. This company is a fraud. Portfolio is in VIOLATION OF 15 usc 1692 ( c ) ( a ). I will be filing a lawsuit as well.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day Iam XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/XXXX XXXX  Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove hard inquiries and fraudulent accounts from my credit profile from XXXX, XXXX XXXX and Equifax Immediately. 

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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Account Name : XXXX XXXX Account Number : XXXX Balance : {$800.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Name : BLANK ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Type : Collection I am filing this complaint due to accounts on my credit report that were opened fraudulently as a result of identity theft. These accounts were added without my consent, and I am requesting their removal under FCRA Section 605 ( b ), which mandates the deletion and blocking of information resulting from identity theft.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied for credit from XXXX XXXX and XXXX. Both received errors stating my Transunion was still frozen and they were unable to do soft pulls on my credit. I called Transunion and they stated that they did a permanent removal of the freeze. The error is still happening.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (FL)

Company is reporting false information and balances on consumer reports, after accounts have been paid in full. My identity is being misrepresented by them and the consumer reporting agencies theyre paying to report their inaccurate data. Payments pursuant to the UCC XXXX, XXXX, XXXX, and legal documents have been sent in and received by Navy Federal Credit Union, and acknowledged that they are in receipt of them, yet they continue to commit securities fraud in my name. It has become very hard for me to obtain necessities that my inalienable rights give me privilege to, due to their actions and legal ramifications are being exercised pursuant to The FRA section XXXX. Irreparable damages have been done and I am suffering insurmountably, mentally, physically, emotionally and spiritually as I am being restricted from contracting and obtaining the things I desire.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and XXXX XXXX yrs old I have NEVER missed a PAYMENT EVER! 
these late payments are NOT Accurate. 
Thanks for your help, Sign Your Name
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NE)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi, I was just on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX  and they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they can not dispute this account because they don't have on the system.

I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally file a complaint against the credit reporting agencies TransUnion, XXXX, and XXXX for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that TransUnion, XXXX, and XXXX conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I submitted a dispute through Experian to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never discharged. XXXX XXXX was initially listed as one of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my gap insurance, as a result of a hit-and-run that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear I.Q. DATA INTERNATIONAL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that [ company name ] has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for [ company name ] to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that [ company name ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that [ company name ] will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified 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 2024-02-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gross Polowy LLC (NY)

This Complaint should be taken in conjunction with Complaint # XXXX. 

This debt collection law firm- Gross Polowy- violated the FDCPA multiple times over the course of the past few years during litigation of a foreclosure matter they were asked to handle on behalf of their client, XXXX ( the subject of the above-referenced complaint # ) During the course of the litigation, multiple associates of the firm filed pleadings containing their own affidavits, of affidavits of others containing allegations they knew to be untrue OR, alternatively, were filed with a reckless disregard for the truth of the matters asserted. 

The firm filed a foreclosure action alleging I did not pay the XXXX, 2019 mortgage payment. What the firm did not tell the court was that they had express knowledge that I had tried to pay the mortgage in a timely manner, but that their client, XXXX, refused to talk to me about the mortgage and refused to take my money when I called to pay. When this firm filed a foreclosure action they knew -- shortly after my Answer was filed -- tht the lawsuit was not being maintained in good faith. They had an obligation to ensure that what I alleged in my defense - that XXXX would not accept my payments- was true. If the firm had, in fact, conducted a review of the evidence before or during the litigation, the firm would have possession of evidence ( in the form of the telephone recordings ) that they continued the litigation in bad faith. I do not believe it is a defense to claim they didn't know and simply bury their heads in the sand in order to avoid looking at evidence. 

For reasons unknown to me, the judge in the case refused to force XXXX to respond to discovery requests, thus allowing XXXX and Gross Polowy to keep secret that the whole case against me was a fraud from the start. The house was sold at foreclosure already, but it's important for this agency to know what this collection law firm was willing to do in order to " win '' for their client.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This was a charged off account which I paid off. We had an agreement that the account would be deleted off my credit report and they lied to me failing to delete the account. After multiple tries to reach out and disputes they have not deleted the account whatsoever. By law 15 U.S Code 1681s-2 ( d ) ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly 3 credit bureaus should be furnishing all the same information, which they are not and is considered inaccurate.