davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name XXXX XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? " " The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2.The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CO)

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.

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (RI)

There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Upon trying to get XXXX wireless cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX Also a account for XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX that i did not authorize.
Consumer complaint received 2023-10-02
Product: Credit reporting 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX XXXX XXXX {$6600.00} ; 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 2024-04-30
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: SUN LOAN COMPANY INC. (TX)

Subject : Cease Unauthorized Credit Reporting : XXXX XXXX XXXX Texas XXXX XXXX, XXXX XXXXXXXX, I'm reaching out to address a grave issue : your unauthorized reporting of information to my credit report. This flies in the face of both federal and XXXX laws, including the Fair Credit Reporting Act ( FCRA ) and various sections of the XXXX XXXX XXXX, not to mention identity fraud statutes, such as Texas XXXX XXXX Section XXXX. 

It's become abundantly clear that XXXX XXXX has been reporting information without my explicit consent, a direct violation of federal law, as specified in FCRA Sections XXXX ( a ) ( XXXX ). Moreover, Texas state law, particularly Sections 392.301 and 392.305 of the XXXX XXXX XXXX, mandates consumer consent for such actions. And let 's not forget the seriousness of identity fraud laws in Texas, which emphasize the protection of personal information under Section XXXX of the Texas XXXX XXXX. 

I want to make it XXXX clear : I never gave XXXX  XXXX permission to report anything to my credit file. This lack of consent is a flagrant infringement of my rights, potentially damaging my credit and showing blatant disregard for both federal and state statutes. 

I demand, unequivocally, that XXXX XXXX cease any further reporting of my information without my explicit consent, as required by FCRA XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX Sections XXXX and XXXX. Failure to comply within 30 days will be seen as deliberate noncompliance, subject to penalties under the law, including those related to identity fraud. 

Let me stress : obtaining consent isn't optionalit 's a legal mandate under federal and XXXX law. This isn't up for debate ; it's a straightforward demand for adherence to the law, safeguarding consumers like myself from unwarranted and harmful credit reporting. 

I expect immediate action from XXXX XXXX to rectify these violations and uphold my rights under federal and state law.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SecureNet Loan Services LLC (TX)

I reached out to XXXX XXXX at securenet loan services and asked him to update my credit report with accurate information. Because at the time and asked him to update my credit report with accurate information. Because at the time my mortgage was showing on my report as open, but it hadnt been reported as paid since XX/XX/2023. I had several phone calls and emails with him to fix the problem of it not being reported. Then his company reported my account has been closed. My score on my credit report decreased substantially by over 30 points. I have given them almost 2 months to fix and resolve. The problem on my credit reporting my mortgage is closed. They have reported my mortgage as being opened again, but the closed report is still reflecting on my account. My score is still down because the closed report is on there. They are also only reporting to one credit bureau, which is a XXXX. They are not reporting account XXXX XXXX, or to XXXX. They have given me all my documents showing that my mortgage has been paid and has been open since it started. I had requested the company. Send me my total payment history, any proof of any reports to credit bureaus, and they have to sent me only partial paperwork. They denied showing any proof of their reports to the credit bureaus. They have failed to keep in contact with me about the correction of this in a timely manner. 

Additional information : Securednet loan services & XXXX XXXX XXXX are ran together. XXXX XXXX XXXX holds my mortgage loan. And they use Securednet services as a third-party paying service. Both companies have the same owner. 

I was divorced three years into this loan. The mortgage was originally opened under XXXX and XXXX XXXX and in the divorce decree it is agreed to, and signed that the property is solely owned by XXXX XXXX. The mortgage was never closed, transferred, or refinanced. It was only adjusted to drop off XXXX XXXX. 

Divorce decree is attached I requested payment history and only received a partial payment history for my mortgage- Attached I also requested proof of what they are reporting to the credit bureaus and was denied
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : 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 2023-05-05
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. (NY)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by TD Auto Finance on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXXXXXX XXXX with no answer back from TD Auto due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

XXXX XXXX XXXX XXXX : One payment has been deemed late and dated to XX/XX/XXXX. I have been a XXXX XXXX XXXXXXXX customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.
Consumer complaint received 2023-09-30
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: Professional Recovery Management (FL)

I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ).
Consumer complaint received 2023-05-05
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: OneMain Finance Corporation (NY)

One main financial XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled on record until XX/XX/XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (VA)

Purchased the product from XXXX on XX/XX/23. Sales rep filled out all paperwork in front of us so we could do payments on the product. Sales rep informed that payments would not be requested from their second party payment service until 30 days after delivery. XXXX occurred on XX/XX/23. By XXXX nothing had been sent to our address concerning a statement or credit card. XXXX was called to attempt to get information but we were told they had no access to this information, only the company. Attempted to contact the company, TDfinancing, multiple times throughout the span of a week and was only able to speak to an actual representative once who referred us to the same automated questionnaire that required an account number to access our account to make payments. We do not have an account number and have tried to obtain this information multiple times with no response unless we are able to provide the account number we were never given. We received only XXXX email from the company in a promotional form but nothing has been sent through the mail or through email with information to get us signed up and started to make payments. An email was sent to the company on XX/XX/23 after we became hopeless that calling the company would yield any help ; no answer has been received in response to the email. The company site advised they will respond within 30 days, however, it seems very unlikely with our experience and as that timeframe begins to come to a close that any response or help will be given.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Car has been paid off from other party XXXX XXXX and also XXXX XXXX paid. This was due to other car crashing into my car. XXXX XXXX  has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

On Approx XX/XX/XXXX, when making a payment online and checking my statement I noticed XXXX XXXX charges of {$90.00} each so I called Citi Bank to file a Fraud claim and I also put a Freeze on my account, they said they would look into it and someone would probably call me if they had any more questions. XX/XX/XXXX I got a call from Citi Bank Fraud Dept and they asked did you make these charges, some reoccurring and target purchases and some other charges which I DID NOT UNDERSTAND ( accent ) also asked If I requested a CREDIT LIMIT RAISE and I said no and then they asked If I put in for a change of address I said NO. I asked how this could be possible being that I put A FREEZE on my account and they said that they issued a new card, I told them I never received a New card. Citi Bank Fraud dept. again said they would look into it then received an email stating that my new payment on XX/XX/XXXX would be {$480.00}. until the investigation is done, which can take up to 45 days. I again called and explained my situation also told them I'm a senior on a fixed income and don't have that kind of money. They basically said too bad you have to pay this amount., until the account is resolved. On their webpage, it states you are NOT responsible for fraud charges. I can not access my account online because I closed the account, so I can not see all the charges
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (WA)

I found 3 accounts by LVNV funding LLC on my CRAs while I was trying to rent a home. I am still homeless because they refuse to respond to my debt verification letter, but continue to report collections to the CRAs, even after attempting to dispute the unverified debts several times