davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NC)

I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with LEXISNEXIS To my complete and unbiased knowledge LEXIS NEXIS has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately. Please remove off my rental screening it is hurting my ability to find a home for me and my kids Best Regards,
Consumer complaint received 2022-11-14
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. (TX)

XXXX has lied about results on a dispute. I had no late payments and XXXX has had no communication XXXX. XXXX also denies my account is closed which was information also submitted by XXXX. XXXX gave me acces to documents demonstrating they made an error in reporting late payments
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Bank of America {$2500.00} Check verification through turn stop in a XXXX XXXX bank of America branch Check drawn off a XXXX XXXX XXXX XXXX fraudulent routing numbers not known on account before checking validilty of account.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

On XX/XX/20 Loancare processed a duplicate mortgage payment in my XXXX brokerage account. The charge was for {$1400.00} which is my correct monthly mortgage payment. 
Details of the transaction are as follows " XX/XX/20 DIRECT DEBIT LOANCARE SERV MTG PYMT {$1400.00} '' Tracer # is : XXXX. 
I had already made my mortgage payment of {$1400.00} through another bank on XX/XX/20. 
Loancare has been contacted over 5 times by phone and 9 times by e-mail/message on this issue and they refuse to acknowledge the payment or respond in any way. 
I would like loancare to return the payment plus interest or credit the payment to my account as of XX/XX/20. 
Thank you
Consumer complaint received 2017-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC (CA)

When the loan was originated, I was never provided the required California Electronic Consent forms. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online.
If you want the option of sending and receiving real estate transaction documents by e-mail, federal law requires certain safeguards to ensure that consumers like you have the capability to receive such disclosures and are fully aware of the consequences of agreeing to receive documents electronically.
Federal law requires your consent to use e-mail and electronic versions of information, disclosures, contracts and other documents and records ( electronic documents ) that would otherwise be legally effective only if provided to you in a printed/written paper document.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (VA)

We were on a state subsidized daycare voucher. My child attended this XXXX for exactly XXXX days before I had to immediately take her out of the XXXX due to injuries she was sustaining there and she was placed in another childcare. Notwithstanding the fact that she was immediately removed from the childcare, I was on a XXXX subsidy, AND I reported the injuries to the State, this account was still placed in collections! The collection agency is IC systems XXXX. They placed the account in collections in XXXX of XXXX and my child went to this XXXX under the XXXX subsidy for XXXX days in XXXX of XXXX. I am attaching photos of my child 's injuries and complaints filed with the XXXX XXXX voucher office regarding the neglect at this center and my immediate withdrawal of my child from the center. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

To whom it may concern, On XX/XX/2018 my XXXX student loan account # XXXX XXXX XXXX was paid in full. I received a Paid in Full Notification letter that I have enclosed. The account was closed and removed from my credit report and everything seemed normal and I believed it was a closed matter. Fast forward to XX/XX/2018, while I was on my monthly routine of checking my accounts I noticed I have a new balance on the closed account and I was surprised to see that on the closed old loan. I thought it was an error and it would just go away. I should have known better next month it was added to my bill doubling my monthly payment. After noticing this I immediately called them to ask them why was this account that was paid in full and that they had sent me a letter confirming that fact back with balance and with more interest than before. The representative said it must have been a computer glitch to what I replied I dont think you cant make a {$13000.00} error on an account. The representative asked me if I had any proof of the payment and I said I had not the proof at hand but that I had to locate it on my files. I also told the representative that I wanted to dispute the loan. He said he would send me a form for me to dispute it. I am still waiting for that form. Basically what I am getting from XXXX is that if I misplaced my information to proof that I have paid my loan in full I have to pay my loan again with interest just because they had a glitch. And unfortunately I have misplaced my documents showing my payment to the account! I think this is most concerning for people like myself that make the best effort to pay for their student loans and companies like this one have the nerve to tell you its just a glitch and you have to pay again. Having said that I have keep working with them so I can accommodate this loan in my monthly payment so my accounts dont default and stay current. I want this account closed and taken out of my credit report and of my student loan account. I sincerely ask for your help in this matter. Thank you. 
XXXX XXXX
Consumer complaint received 2022-11-25
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. (SC)

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXX keeps marking different complaints about different issues duplicate. They need to respond to them or Ill create a whole new channel of disputes/claims about this issue. 

I need a purchase agreement or cease all collection. I will send you a CFPB every single time you mark it as duplicate and then I will let every single agency know, how many time you keep doing it.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (NV)

They wouldn't allow me to do anything closed my account kept my money. 



































i would like at least XXXXXXXX $ in return for all my troubles also if possible would like to donate half that money to someone that nees it
Consumer complaint received 2017-07-31
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: JPMORGAN CHASE & CO. (TX)

This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of Chase. Chase retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account : XXXX XXXX XXXX XXXX : {$31000.00}
Consumer complaint received 2022-11-25
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. (TX)

Transunion is reporting negative information on my reports that I've never gave them permission to place on my reports and and asked them to remove them ; it was XXXX with account # XXXX, and XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-11-14
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX Balance : {$670.00} )XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX TX. ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX  ), ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

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 2024-03-25
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (PA)

fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 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
Consumer complaint received 2022-11-21
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. (NY)

This is my seccond 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-11-14
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the Experian and XXXX XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

The fraudulent lender on my most recent report is COMMONWEALTH FINANCIAL and Their contact number is XXXX. I called and spoke with the company. Apparently these charges were for a property located on XXXX XXXX. I am not associated with that property. The person who received medical care does not fit the description of anyone in my household nor do they live at my address. This is a fraudulent charge against me. I have always maintained excellent credit and dont want this fraud to impact my score.