davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have continued to try to have Transunion delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. Collection agencies are listed as open and I never had verification of the debts that are appearing. I have also asked for all variations of my name to be removed. It should report XXXX XXXX XXXX *I do not wish to have a phone number on my credit report. 
*Only my current address should be listed, I asked for all other addresses that are incorrect to be removed.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the consistent existence of inaccurate and fraudulent accounts on my credit report. After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. I have taken the necessary steps to report the fraudulent activity to the authorities. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA mandates a timely resolution of consumer disputes, typically within 30 days.
Consumer complaint received 2024-04-12
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. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-16
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. (SC)

Transunion is giving my a hard time removing accounts that is not mines. I'm currently a victim of identity theft and I need these accounts removed. I will make a police report about these account I already filed a FTC report.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; Portfolio Recovery Associate, known as collections. XXXX XXXX XXXX, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. Portfolio Recovery Associate, for the amount of {$500.00}, merchant XXXX XXXX and XXXX XXXX XXXX, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NY)

I saw my account with XXXX XXXX reporting something which perked my interst since it seemed incorrect. I went ahead and mailed them on several occasions requesting documents to show what they are reporting are accurate like the date this account was opened, the last payment on this account etc. They failed to respond even once.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (FL)

I opened my XXXX app and saw my credit score go down XXXX points because some unknown company that I never contracted with reported a false late payment of which I have no knowledge of. I never contracted with MRS BPO LLC service nor do they have any paperwork to prove any signatures that I have a contract with them. But yet they illegally report a late payment to my credit report as of XXXX this year. First time ever seeing this appear and they somehow gained unauthorized access to my personal information. So this is fraud.
Consumer complaint received 2024-04-12
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. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXXXXXX {$430.00} XXXX XXXX  XXXX {$430.00} XXXX  XXXX XXXX  XXXX {$770.00} XXXX {$360.00} XXXX XXXX XXXX XXXX {$55.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Have requested I am exercising my right under the FCRA, section 609, and are requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
I would Like all information about : Credit report shows tradeline initial delinquency XX/XX/XXXX. 
Payoff history- why there were no payments recorded during these times, Why did they report them as current XX/XX/XXXX XXXX then defaulted 60 days XX/XX/XXXX XX/XX/XXXX and then charged off?
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting An address belonging to a doctors office XXXX XXXX XXXX XXXX nj XXXX as my Address I have tried numerous times to get Experian to correct this information they are the only XXXX reporting false information Which violates my rights according to the FCRA My social security is wrong, My name is wrong multiple times
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express giftcard with XXXX dollars on it from work for the holidays. I have attempted multiple purchases with this XXXX card since receiving it in XXXX and to date only XXXX have been successfully processed, both in late XXXX. 

Furthermore, XXXX of the retailers XXXX retailers who successfully processed the XXXX  card refused the XXXX card on a later transaction. 

Despite the promise that this XXXX  card is good where ever AmEx cards are accepted, it is widely rejected and therefore unusable.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a XXXX XXXXXXXX XXXX with XXXX XXXX from XXXX and was told I was approved for a loan through credit acceptance. After a month of having the vehicle I was told the finance company has rejected the loan after approving it. The vehicle was registered and listed Credit acceptance as the lien holder and now they refuse to release the lean so the new company I was approved with can take over the loan. They didnt issue the loan and now refuse to release the lien
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (AR)

Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were XXXX in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (PA)

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. 

American Express : XX/XX/XXXX American Express : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

There is a pubic record that remains on my LexisNexis report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. This is a mix up of records and is interfering with my ability to get credit.
Consumer complaint received 2024-01-16
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. (TX)

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

According to XXXX this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$260.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Consumer complaint received 2024-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TX)

I have requested that Wells Fargocite the exact Federal law ( s ) Wells Fargo is required to adhereto during the foreclosure process in the state of Texas. 
Wells Fargo has failed to cite all the exact Federal Law ( s ) Wells Fargo is requiredto adhere to during theforeclosureprocess in the State of Texas. 

Here is my request : # 1 Wells Fargo has stated they follow Federal law, including the Fair Debt Collections Practice Act. However, they have not cited any other Federal Law ( s ) they are required to adhere to during the foreclosure process in the State of Texas. Other thanthe Fair Debt Collections Practice Act, pleasecite any other Federal Law ( s ) Wells Fargo is required to adhere to during the foreclosure process in the State of Texas. 

# XXXX If there are no other Federal Law ( s ) Wells Fargo is required to adhere to during the foreclosure process in the XXXX XXXX XXXX XXXXXXXX the Fair Debt Collections Practice Act, please advise.
Consumer complaint received 2024-01-16
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. (TX)

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

According to XXXX this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$420.00} - ACCOUNT # XXXX, {$4300.00} - ACCOUNT # XXXX, {$1000.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXXXXXX XXXX XXXXXXXX {$5900.00} XXXXXXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX {$260.00}
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
Consumer complaint received 2024-01-15
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. (NE)

I have disputed these accounts several times with TransUnion. They have continued to send correspondence stating the information would remain deemed accurate and verified. 
The below listed accounts were CHARGED OFF. These accounts has since been updated as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in the payment history following the charge off marking. Doing so, is falsely manipulating the statute of limitations which is a FCRA violation. Also, the credit bureau has violated my consumer rights based on 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ), & 15 USC 1681e ( b ) Account : 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

My wallet and personal information was stolen and a fraudulent Amex credit card was opened under my name. I notified Amex in XXXX they have been telling me for over a year not to worry and dont pay my bill on the account. They refuse not to give me information in writing so I record them on the phone i have dozens of recordings where I feel Im being lied to by Amex. 
I have a print out of my credit report where every month starting in XX/XX/2022 5 months after I reported to Amex someone stole my identity.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

My mortgage company conducted an escrow analysis on my account due to my taxes decreasing there is a surplus due back to me and they are refusing to send me I spoke to representative XXXX agent # XXXX on XX/XX/18 he advised me that the escrow surplus will not issue until 30 days. I advised him I never heard of that before the escrow surplus should be issued when the escrow analysis is completed if the account is not 30 days past due and my account is current. He advised that is our policy I advised the rep that is not Respa policy he stated that is Ocwen policy. I advised the rep I would like to speak with a supervisor he transfer me over to supervisor XXXX agent # XXXX. I asked XXXX to please have my escrow surplus rush XXXX said no it will take up to 30 days for me to receive the escrow surplus I asked her why it can not be rushed she stated it is Ocwen policy and they can not rush it I have to wait the 30 days. I then asked her the name of her CEO she did not know and hesitate to provide the information. I asked to speak with her manager and she told me no non was available to speak with me. This is just crazy. All I am asking Ocwen to rush my escrow surplus and I have to go through all of this mess and have to treated my reps like this I pay my mortgage every month and do not feel like I should be treated like this.