davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore Equifax, XXXX, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, Equifax, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (WA)

They added this to my credit report. I am trying to fix my credit so I called. I said if we can come to a settlement can you send it in writing I will pay it. He started cussing at me telling me he doesn't have to do XXXX and he will raise the amount and you will be sorry Woke up this morning the amount is up. This is the worse company ever all I was trying to do is settlement and get in to writing they would remove from my report of I paid. He then said XXXX you and XXXX XXXX XXXX.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-09
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX XXXX : {$610.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX  XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I contacted Experian by phone to get a single use PIN to allow someone to run a credit check on my frozen account. They said it could not be done at that time because of a problem in their system. They said to call back in an hour or more. I called a second time but was unable to ever reach a live human being. The system refused to connect me to a person that could understand what I wanted and the automated system was not able to help me either. Experian needs to change their automated system so callers can reach human beings when the automated system is not effective.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

I am writing to express my profound dissatisfaction and concern regarding your failure to respond to my dispute dated XXXX Your lack of communication and the absence of investigation results constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), which has caused significant distress and financial hardships on my end. My dispute was submitted with the intention of rectifying the inaccuracies present on my credit report. However, to date, I have not received any response or communication from Equifax regarding my dispute. According to the FCRA regulations, credit reporting agencies are required to investigate disputes within 30 days and provide consumers with the results of the investigation. Your institution 's failure to adhere to these obligations is both disappointing and unacceptable, leaving me in a state of uncertainty and financial vulnerability.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You all closed my previous dispute and did not remove the items or do what needs to be done! I was a victim of identity theft back in XXXX  where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. The bankruptcy DOES NOT BELONG TO ME and needs to removed from my credit file. XXXX has already deleted the bankruptcy and I am needing you all to follow suit and do the right thing! THE BANKRUPTCY DOES BOT BELONG TO ME!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX GA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-01
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. (GA)

I receive phone calls and letters from the companies listed below. I haven't received a 1099-C Form for the debt for being charge-off, according to the IRS any debt that is {$600.00} or more is consider taxable income. You must claim this amount as income on your taxes because you never paid it back. According to 15 U.S. Code 6802- Obligations with respect to disclosures personal information. ( A ) financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless - such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Consumer is given an explanation of how the consumer can exercise that nondisclosure option. I wasn't given the opportunity of such information. According to 15U.S. Code 1681s-2 I didn't give written permission to have these accounts furnished 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 2023-11-01
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: OneMain Finance Corporation (CA)

I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2024-04-23
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. (IL)

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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CADENCE BANK (TN)

On XX/XX/XXXX I enter into a mortgage agreement with this bank. At closing XXXX XXXX and city taxes were collected by the title company so they could pay the taxes. The bank required XXXX months of escrow payments in the amount of {$1000.00}. On XX/XX/XXXX the bank sent {$2500.00} to XXXX XXXX and on XX/XX/XXXX the bank sent {$990.00} to the city to pay the property taxes. 

On XX/XX/XXXX I contacted someone at the bank to explain to them that my escrow account was now in the negative because they should not have sent the tax payment. The response I got back was I am sorry, but our escrow department has something to be desired. This person sent an email asking for a copy of the tax bill to show why they paid these taxes. They never received a copy from the Escrow department. This person also told them to make a note not to pay any more taxes, however on XX/XX/XXXX they sent the tax payment to the city. 

After I did not get a good response from this bank and started to feel uncomfortable about them holding my mortgage and escrow account I went to another bank and refinanced my home. Because my escrow account was in the negative, they were adding that into the payoff balance. The new bank had to send over documentation showing the taxes were paid with the previous closing. In the end the payoff balance was corrected however not the escrow account. The escrow account still only showed a balance of {$1000.00} minus the {$990.00} from them sending the city property tax payment in error. 

On XX/XX/XXXX when the loan was paid off, they showed my escrow account balance as {$1000.00} because they took an additional {$66.00} in interest which has never been explained to me when the daily interest amount was {$110.00} and the payoff was good until XX/XX/XXXX so the new bank took the correct amount of interest off the payoff amount and sent them that amount. I have asked why I was charged an additional {$66.00} with no answer. 

I sent an email to the same person I spoke to at the bank about them paying the taxes and asking them why they took the additional {$66.00} in interest. They requested a copy of the payoff letter that was sent to my new mortgage company which was sent to them. They wrote back that they did not know what happened but would find out. On XX/XX/XXXX I sent a follow up email because I never heard back about my question. On XX/XX/XXXX I got a reply which did not explain the additional interest and that I should contact the city for a refund of the property tax payment. 

On XX/XX/XXXX I see from looking at my account online that they issued me a check for {$1000.00} from escrow account which is {$990.00} less because of the mistake of paying the city taxes and taking an additional {$66.00} in interest. I should be receiving back a total of {$2000.00} which is the XXXX months of {$520.00} taken at closing and XXXX months from payments I made in XXXX and XX/XX/XXXX.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The USAA SAVINGS BANK is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. USAA SVG BK XXXX
Consumer complaint received 2024-01-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (MD)

I received a cash advance of {$50.00} on the XXXX or XXXX of XXXX w/ an agreement to repay on the next pay period. Today, XX/XX/2024 {$79.00} was withdrawn from my account of no explanation of the extra {$29.00}. 

I reached out to customer service today and was told that its an anticipated overdraft fee on an app that I did not sign up for. 

This is fraudulent and horrible. All these companies do is take advantage of the poor. Its not a color, gender, religion thing. It is a poor thing.
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Dept of Ed - Nelnet is unlawfully reporting on my credit report. According to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Consumer complaint received 2024-04-22
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. (CA)

On XX/XX/2024 a hard inquiry appeared on my TransUnion credit report. The credit inquiry was made by XXXX in which I have no affiliation with nor applied for any type of credit with this company. I called this credit card company as the XXXX number showed up on the inquiry and reported the application as fraud. The company said they would forward my information to their fraud department, and the inquiry should eventually get removed from my credit report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

According to the US Code Laws, Charge Off Accounts must report a zero balance on your credit report. I checked my credit report and found so many discrepancies, I demand a full and thorough investigation on all charge off accounts, original signed documents with my signature and proof of unknown inquiries. Also I have no affiliation with these addresses on my profile XXXX XXXX XXXX  Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/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 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, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DigniFi (TX)

I opened a XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX to use to charge {$2000.00} towards the purchase of a motorcycle. 

I paid the entire {$2000.00} in XX/XX/XXXX. The card was at that point at a XXXX balance. 

I have never used the card since. In fact, I don't even have a physical credit card. 

On XX/XX/XXXX the account was charged {$59.00} as an annual fee. I wasn't aware of this charge and became aware of it in XX/XX/XXXX. By that time, the company had added a late fee and interest. The total amount on the card was {$80.00}. I paid that balance off on XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXXXXXX XXXX XXXX instructing them to close my account. I received a certified return receipt from them. 

On XX/XX/XXXX XXXX XXXX Credit Card started to text me about a balance due, but my phone reported it as spam. I logged into the XXXX XXXXXXXX XXXX XXXX account and found that they company had once again charged the account an annual fee of {$59.00} plus a late fee and interest. The total amount they say is due is now {$80.00}. 

However, I requested account to be closed in XX/XX/XXXX, and therefore, I should not be charged a fee. The company clearly did not follow my instructions to close the account. 

I called them today ( XX/XX/XXXX ) to ask them about this. They told me I could only close the account by calling them. This seems ridiculous. 

Please help.
Consumer complaint received 2023-10-31
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. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.