davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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: Consumer Portfolio Services, Inc. (MO)

XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

I DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT ANYON TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, THANK YOU!
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (GA)

HUNTER WARFIELD is currently reporting on all three major consumer reporting bureaus that I owe their company {$4700.00}. Reporting started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are multiple fraudulent hard inquiries reporting on my credit report that I have filed IDTR 's on and sent to Equifax. I sent the certified mail on XX/XX/23 and XX/XX/23 to have these removed, and they are still not complying. Due to these hard inquiries, they are disabling my opportunities to receive credit, and I am unable to get help from credit agencies. They are violating 15 USC 1681, 15 USC 1681a ( e ), and 15 USC 1681b ( a ) ( 2 ).

I have provided both certified letters that were sent and signed for.

I demand compensation for the violation of my consumer rights amounting to {$10000.00} for the amount of time and opportunity that Equifax has taken from me.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (OH)

On XX/XX/XXXX XXXX XXXX I received a collections letter in the mail from CKS Financial a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance amount owed was {$900.00}. After calling CKS Financial, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. Two years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to XXXX XXXX XXXX with everything included. Police reports x 2, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all XXXX XXXX tell her was she had to contact CKS Financial. My wife called CKS 2x 's, they finally put an office manager on the phone for XXXXXXXX XXXX XXXX she told my wife that XXXX XXXX bought back the account from CKS debt collections due to it being a fraud case. My wife called XXXX XXXX and they keep telling her they can't help she has to contact CKS debt collectors. Between the both they are just giving us the run around. But XXXX XXXX XXXX is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.
Consumer complaint received 2024-04-05
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. 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 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (NY)

Problem North American Recovery is reporting I still have a debt. The amount is {$220.00} North American Recovery is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with XXXX XXXX XXXX XXXX XXXX XXXX who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and North American Recovery report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent North American Recovery the below documents and they still have not done anything about and is still report that it is not paid.
Consumer complaint received 2023-08-10
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)

I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.
Consumer complaint received 2020-02-12
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)

I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on transunion. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 ( Original XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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 an account without my written instructions.
Consumer complaint received 2024-04-05
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CT)

Hello, I received an email from XXXX about a change on my credit file. I logged in and saw that there was an account sent to collections to CREDENCE RESOURCE MANAGEMENT for {$1000.00}. It says it was opened on XX/XX/2022 and that the original creditor is XXXX. 

I have never had an XXXX XXXX XXXX account. I believe someone stole my identity and opened this line of credit using it. I have spoken with XXXX and initiated an identity theft dispute and am awaiting review.
Consumer complaint received 2023-08-10
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)

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2023-08-10
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. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (WI)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I have been trying to resolve this issue since 2019 until present. I fell behind due to my medical condition as well as my husbands. I underwent several XXXX and I wasn't able to work for awhile which caused us to fall behind on our mortgage. I have been working with a company for no charge and they have been trying to get me a modification and we keep getting denied. We submitted and appeal and that was also denied. I wanted the opportunity to start over. We now realize that we have done everything we could to keep our home but we realize that we need to sell. But in order to do so we need PHH to stop the auction and allow me to sale my home through as short sale as i do not want to lose my home to foreclosure.
Consumer complaint received 2023-08-10
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-10
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. (GA)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2021-02-18
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and MUFG Union Bank. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (NC)

In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been 90+ days I have been contacting and submitting the correct information to each credit bureau XXXX ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA