davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-04-04
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. ()

XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX TAKEN BY COMPANY CHARGE OFF/ COLLECTION
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2024 I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. On XX/XX/2024 that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/2024 I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. On XX/XX/2024 I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. On XX/XX/2024 the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. 
Again paying through ACH. On XX/XX/2024 I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. On XX/XX/2024 I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. On XX/XX/2024 the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. When I called and asked about the events that were happening TYPE OF ISSUE Payment process XXXX because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for me.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (FL)

This is my XXXX 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 items 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 items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX CARD XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CO)

Debt Collector : The CBE Group Inc CBE Group is attempting to collect a debt that is not mine and which I do not owe. This debt collector has not provided any proof, evidence, documentation or information that would prove that this debt is mine and I believe they are fabricating these claims to collect money is not owed. They indicate they are collecting on behalf of XXXX XXXX but XXXX have never had an account or relationship with them. 

I request the CFPB investigate this debt collector as they fabricate debt to deceive people into paying money is not owed.
Consumer complaint received 2023-02-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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: Experian Information Solutions Inc. (IL)

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 willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Was given misinformation repeatedly about the status of my IBR, application submitted in XX/XX/XXXX ( while tax retrieval tool was down ). Was not notified of need for supplemental documentation. Was told by representatives there was no record of IBR application from XX/XX/XXXX. Called multiple times and spoke with representatives not knowledgeable about the ibr application process, who provided misinformation. On XX/XX/XXXX was told to reapply ( the website at fedloan was down all weekend ) and that there was " plenty of time '' to do so before expiration of current low payments per IBR. Four days after this conversation with this representative ( who encouraged me to take time, as there was " plenty of time '' until the next payment due date, and that a new IBR was necessary due to no record from XX/XX/XXXX ), I was sent notification that the XX/XX/XXXX IBR was expired that day due to nonreceipt of tax information. Called again, and was told not to worry, that the IBR was received and would be applied to the next upcoming payment. Then received notification that my XX/XX/XXXX IBR was processed, approved, but would not be applied to XX/XX/XXXX 's payment. Called company to complain about misinformation provided by employees, about an IBR from XX/XX/XXXX, and if I had been allowed to submit tax information for this request, my IBR would have been applied for XX/XX/XXXX and not XX/XX/XXXX. Employees tried to tell me my only option was forbearance, and other costly options which would include capitalization of my loans. Manager would not honor the most recently approved IBR payment amount for XX/XX/XXXX, was rude, raised her voice, and continued to argue that there was no misconduct on their part and that she would provide " more training '' to employees who gave false information. All I asked for was for them to apply the most recent IBR to the next upcoming payment due. This was something they said they could n't do, even though other servicers had done his in the past to correct employee mistakes. Instead of not being able to fix this, they are simply choosing not to. So, they 're simply going to educate their employees, but I have to for over almost {$900.00} of payments I can not afford at this time due to temporary unemployment. This is fraudulent, unethical, and predatory. I feel they are purposefully doing this to steer me towards more expensive options which include capitalization.
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX Transunion Inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT*
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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: Experian Information Solutions Inc. (MD)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & 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 Creditor XXXX XXXX XXXX  XXXX Balance : {$570.00}, XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-17
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: American First Finance, Inc. (GA)

An account was fraudulently opened in my names XX/XX/2020. I notified American First Finance XX/XX/2020 of the fraudulently account, submitted the identify theft affidavit and have sent several follow up letters. I have not been contacted by the company nor has this information been removed from my account. I have submitted police reports and letters from the Federal Trade Commission as well. I need this resolved immediately, this account DOES NOT belong to me.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX collection accounts on all of my credit reports from XXXX XXXX XXXX. The original creditor is comenity bank. My last payment to comenity bank was back in XX/XX/XXXX. XX/XX/XXXX would be the first missed payment. XXXX XXXX purchased the accounts in XX/XX/XXXX. Wouldnt the date of first delinquency be XX/XX/XXXX? XXXX XXXX is saying that the date of first delinquency is when they purchased the account in XX/XX/XXXX. XXXX months from the first missed payment is the date of first delinquency? These accounts should be deleted from my credit reports because they are XXXX years old. However I was told they will remain on report until XXXX.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with XXXX, Experian and XXXX. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Consumer complaint received 2022-12-29
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: FIRST NATIONAL BANK OF OMAHA (MA)

On XXXX XXXX FIRST NATIONAL BANK OMAHA has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Consumer complaint received 2023-06-02
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. (TN)

in accordance with the fair credit reporting act. the list of accounts below has violated me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A. 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the reports 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 2022-12-29
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. (TX)

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with XXXX, XXXX and Equifax. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Consumer complaint received 2022-11-20
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. (ID)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.