davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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. (MN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-15
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. (CA)

I review my credit report and notice these fraudulent accounts and I was victim of audentiy deft. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-07-15
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

All my XXXX accounts were compromised and I had XXXX close them due to the excessive Fraud that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My credit reports are showing 2 debts with Portfolio Recovery Associates. I have sent several letters requesting that they provide proof with my signature showing the debts are valid and belong to me. They have failed to do so. They are only saying that the debts are mine and that my social security number was used. Per the Fair Credit Reporting Act, they are supposed to provide me with my signature as proof that the debt belongs to me.
Consumer complaint received 2017-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

Credit Management , LP of XXXX, TX is attempting to collect on a debt that is known to be invalid. The alleged debt originated with XXXX, who has continuously assigned or sold the debt to third party collection agencies since 2012. Every 6-12 months, I receive a notice from a new debt collector attempting to collect the debt. 

Each time, I request verification of the debt and, because it is not a valid debt, each time it is returned to XXXX. I submitted a complaint regarding this debt to the CFPB recently when the agency " XXXX  XXXX '' was attempting to collect. When I informed XXXX XXXX that the debt was invalid, I instructed them to inform XXXX of the same, which apparently they did not do or XXXX ignored.
Consumer complaint received 2024-03-15
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)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Americas Car-Mart, Inc. (GA)

XXXX of XXXX I purchased a vehicle from America 's Car-Mart and received a loan through Colonial Auto Finance . Car-Mart has continuously lied, deceived and tricked me regarding repairs of my vehicle. I had enough of it it on XX/XX/XXXX and communicated with a lawyer to submit my Revocation of Acceptance due to the fraudulent nature of their behavior. 

Despite this, they continued to report to the credit bureaus that I missed payments, in turn hurting my credit score by XXXX  points or more. The case with Car-Mart is in litigation, and has been since XX/XX/XXXX, and due to my revocation, there should never have been any reports against me made by Colonial or Car-Mart.
Consumer complaint received 2023-07-15
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. (NC)

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, NC XXXX XX/XX/XXXX ; XXXX SXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-18
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX 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 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2023 Request for Updated Paid Account Information I am writing to request your assistance in updating my credit report to reflect the recent payment and closure of an account. I have recently settled the outstanding balance on my account with XXXX XXXX and would like to ensure that this information is accurately reflected in my credit history. 

I kindly request you to update my credit report and indicate that the account has been paid in full and closed. It is crucial for me to have an accurate credit history as I continue to manage my financial affairs responsibly. 

Should you require any additional information or documentation, please do not hesitate to contact me. I am more than willing to provide any further details necessary to expedite the process. 

Thank you for your attention to this matter. I sincerely appreciate your prompt action in updating my credit report with the accurate and current information.
Consumer complaint received 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortgage L oan Number  XXXX  As per  XXXX   XXXX  email dated Sat,   XX/XX/XXXX    XXXX   with  instruction to call another department called the  XXXX  Department I followed her instruction and was not able to achieve any progress at all, I ended up getting transferred fro m one department to another with no avail and no solution in site. I was on the phone for one hour and 40 minutes ending up with an email that one of your co lleague emailed you on my behalf for you to call me back.  <P/> I would like to recap the facts : From loan inception date d in  XX/XX/XXXX , the loan was paid on time, never late or delinquent.   <P/> Just rece ntly in  XX/XX/XXXX  I was laid off from work for and for no fault of my own. I contacted Wells Fargo for assistance and was led to believe that no worries Wells Fargo is here to help and assist.   <P/> I was in contact  with Wells Fargo trying to g et the loan modified so I do n't lose my house as it is my primary residence and in addition all documents requested was faxed promptly with no delays.  <P/> I have been unfairly treated by th e Wells Fargo in time of need. I was looking to Wells Fargo as my savior to reestablish my loan payment and regain my good status. Or at least Wells Fargo should have some for forbearance on the 4 payments balance which is due to loss of my employment. But, I did not receive from Wells Fargo any assistance or detailed copy of the   modification nor how the loan will be calculated according to what you have told me that the loan will be recalculated over 40 years and lowering the interest. I was advised that my loan is going into foreclosure and that is really terrible for me and my family.  <P/> This leave me no choice expect file a complaint against  Wells Fargo with the Consumer Financial Protection Bureau CFPB to plead my case and save my home.   <P/><P/>  XXXX  and  XXXX   XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Karma (SC)

Credit Karma , INC pulled my credit report on XX/XX/2023 unlawfully and without my written consent. This violated my right for privacy. USC 1681 A 1-6. 

The response you sent back to me had nothing to do with my complain and did not resolve my issue. The consumer reporting agencies did not pull my credit report, therefor they are not liable for removal of the inquiry. If you are not versed in Federal law please send this to your CEO or CFO. Other than deleting the inquiry from my consumer report you would be in willful noncompliance and I will seek monetary damages.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect (SC)

laws broken with willful noncompliance : 1692 E-10/14 1692 ( C ) ( B ) 1681 S-2 ( A ) ( B ) 1692 K 1681 N ( A ) ( B ) ( b ) 1681 A-2/A-1 1681 Section 602 A/604 A Section 2 I have the right to privacy.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-15
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. (AR)

This is my second request to file a CFPB complaint. The current status should not be showing late because I paid it on time. The Credit Reporting Agencies lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The XXXX and Transunion Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct this account immediately : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$7200.00}.
Consumer complaint received 2017-05-07
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: EQUIFAX, INC. (TX)

I have reported fraudulent inquiries for my Equifax credit file to Equifax. I promptly received a response from Equifax stating : " We have reviewed the inquiry information for  XXXX   XXXX . The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''.     I contacted  XXXX  was told they have no record of the inquiry nor do they have any record to investigate.     I would really like to know what they have done to investigate the inquiry?
Consumer complaint received 2023-05-07
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. (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-07-15
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)

This is my 10th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (MS)

Fay Servicing  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .   XXXX   had  1st  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in   XXXX    2014 t he property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien/DT was wiped out at  XXXX  foreclosure.  XXXX  sold the loan to  Faye Financial  as a mortgage. We do not owe them anything. A simple title search by Faye would reveal this. I have made ov er seven differ ent phone calls to  Faye Servicing  over the la st  two  m onths and they refuse to discuss it with me and the  manager has refused to return my call. Faye has no lien. They NEED to do their own title search & tha t alone will show them that the loan they purchased was wiped out by  XXXX  foreclosure  X/XX/  2014 d ue to it being in a  Jr. lien  position. I do not own the property nor is this loan a mortgage.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Consumer complaint received 2023-12-19
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX + All Banks Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.