davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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 sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (VA)

Have contacted all 3 credit reporting agencies via online dispute system, numerous letters, and phone calls to remove Santander Consumer USA data from all 3 reports. All 3 agencies are reporting different information regarding the account. Payment arrangement was set up with Santander in XXXX and within two weeks of payment arrangement, account was transferred to Collection agency XXXX XXXX XXXX XXXX XXXX  ) which agreed to remove negative Santander Consumer reporting from all XXXX reports, once balanced is paid in full. 

I was advised they would report to Santander to remove the negative item in full from my reports because they would have settled the account. Once the payment was received, within 30 days Santander Consumer USA would no longer be on any of my credit reports. Payment of {$2300.00} was paid via debit card on XXXX XX/XX/XXXX and the negative reporting is still showing on all 3 reports from Santander with a balance of {$15000.00} since XXXX. 

This information is inaccurate, outdated, and deems are unfair reporting practices. I have disputed this line item several times with the credit bureaus and each time it comes back with item remains with explanation. 

This adverse reporting is affecting my overall score.
Consumer complaint received 2023-07-27
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I received an email from Capital one stating my profile phone number was updated. I do not have an account with them. Then, a week later, I get a letter stating my application for a checking account was declined. 
Recently, the IRS sent me a notice that I must verify my identity before they process my refund. I have not filed a 2022 return.
Consumer complaint received 2023-10-07
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. (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Consumer complaint received 2024-04-04
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. (IL)

In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights.

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions.

I didnt give them written instructions.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have provided documentation to these company 's back in XX/XX/2023 advising that this information is in correct nor do I know how they were reported on my credit file. I ask the bureaus to remove them within a timely manner of 30 days. Nothing has taken place and we are over the 30 day time frame
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects on my consumer reports has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.
Consumer complaint received 2023-10-07
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: BARCLAYS BANK DELAWARE (FL)

After getting a full report of my credit I noticed there are a few inquiries I do not recognize, and I did not sign up or get an account with the following companies, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX nor have I received proof of me with a contract/ service given from their companies. 

I also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have 4 open accounts dated : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. 
As for these dates no accounts are open, All open accounts with company dates have inquires listed which are the four I only have knowledge of.
Consumer complaint received 2024-04-04
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. (IL)

In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights.

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions.

I didnt give them written instructions.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 2024-04-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have a right to privacy.

15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

I was awarded two grants from a company called XXXX based out of XXXX, PA to help pay mortgages of families who have been behind from the pandemic. 
They sent two checks paying {$1500.00} each of my {$2300.00} mortgage payment. 

After 30 or so days of my mortgage account not being updated to account for the payments, someone reached out to me and said that they were able to locate one of the checks for XXXX and that the other was possibly submitted to another XXXX XXXX because it didnt have my loan number but that they would rectify the issue. 

On their website it is very difficult to submit a payment that is not in the full amount, whether one-time payment or recurring. I did submit a payment for {$700.00} and was notified later that this calculation was wrong and that I still owed XXXX something dollars. I couldnt Pay this on the website and had to send a money order to do so. This was very inconvenient at the time but I still did it and now they are saying they didnt receive that either. 

That has resulted in me being penalized on my credit report as the first ever late payment. My score went down 60 points. 

I have even had email communications with all parties and my mortgage company fails to give me the proper account credits.
Consumer complaint received 2023-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (NC)

Notice to ALLY FINANCIAL INC., that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. I have already filed my complaint and summons with the higher courts.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Child Support VA Account # XXXX I have recently been informed that there is a negative claim reported by Child Support VA Account # XXXX account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX  verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by Virginia Department of Social Services. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-04
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. (TX)

I have identified information on my credit reports that is the result of identity theft. The item is not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX By law, they have 4 days to correct this, not 30 : 15 USC 1681 ( C ) ( 2 ), related to blocking of information.
Consumer complaint received 2021-09-14
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. (TX)

XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.
Consumer complaint received 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

1 ). No record of " payments '' made while under IDR plans 2 ). No information received when requested on this issue.

3 ). No communication with new servicer Mohela and no communication between their site and Studentaid.gov 4 ). Multiple loan repayment discrepancies so the process has been conflated and confusing.

5 ). Multiple calls/emails and no information that is helpful to this situation has been received.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The CBE Group, Inc. (AZ)

Charter communicationsXXXX  Failure to verify it was actually me " setting up a service ''. To make matters worst I never even lived at that address. 

On XXXX I noticed a change to my XXXX credit score due to " the total balance on all your collection accounts has increased ''. This was a red flag immediately because I knew I had nothing that was past due to the point it would get sent to a collection agency. 

XXXX  - amount owed under that address is {$120.00}. I have been falsely charged this amount and it has been placed for collection. 
( Collection agency - THE CBE GROUP INC ) The account is under my name and I do not know who stole my identity or used my personal info to sign up for XXXX This is an unauthorized transaction. 

XXXX  service was provided from XXXX This is XXXX XXXX  job to protect its customers and I have been falsely charged this amount. This is fraud. This is an unauthorized transaction. This is XXXX XXXX  job to remove my name from this account and past due amount. This must be removed from my credit report IMMEDIATELY.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, 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. (GA)

I recently reviewed my credit report and noticed inquiries that I did not authorize. I never gave XXXX XXXX to review my credit profile. 

Equifax : XXXX XXXX XX/XX/2023, XX/XX/2023, XXXXXXXX
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.