davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Unlawful use of reported false information due incorrect address an name on file don't match my government issue identity card provide by law I believe everything was reported unlawful activity happened to theses companies allowing debts collected agency reported false information to report a debt I have anything do with fail to investigate before added to my credit report with out proving identification card on file
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

My credit limit has been readjusted back to its previous limit of {$14000.00} as of my last CFPB complaint. However, AMEX also made an error by submitting a XXXX Pull on my existing credit. Instead of giving me more credit they simply reduced the limit on my existing credit card to put on a new card without my knowledge. I've contacted American Express and was told they will ensure that the {$14000.00} will post at the credit bureau. That is not the problem because the {$14000.00} is already reflected on my credit report. I feel that my request for a credit fix fell on deaf ears. They didn't give me anything of value besides the new card they were to give me was canceled an hour after this error. I want AMEX to contact the credit bureau to fix this hardcopy error which lowered my XXXX XXXX. 

( See the previous complaint XXXX )
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

I took out a loan from the Cash Store. I missed a payment and they called my job and harassed/pressured my coworkers. When I do speak to them they are intimidating and aggressive almost as if they are a loan shark. I have asked them to stop contacting my job. They still do. This is more than collection, it is harrasment.
Consumer complaint received 2022-12-20
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. (NV)

{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX ) account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # XXXX
Consumer complaint received 2017-03-31
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

Beyond all measures this company have failed to provide efficient proof that the debt owed was dispersed from XXXX, they uploaded documents of me asking to have unauthorized inquires removed and a fraud alert from XXXX, but fell to upload the affidavit that legitimize the allege debt. The original lender on the contract that I signed says XXXX, who denied giving me a loan. In the previous claim submitted to the CFPB Case number : XXXX by me. Lockhart, Morris, and Montgomery INC. came to the conclusion that XXXX supplied them with an affidavit signed by me, with XXXX as the original lender of the alleged loan. Since they will not send me the affidavit, I would like to see it uploaded to this website, as validation of debt. I REPEAT DO NOT MAIL AFFIDAVIT TO ME, UPLOAD IT TO THIS WEBSITE WITH YOUR RESPONSE. If they can not furnish such document. I want this debt removed from all credit bureaus. A copy of their response to the previous complaint have been uploaded.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-10
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: National Credit Adjusters, LLC (VA)

I need XXXX to verify how they are reporting this account as verified when I called NCA myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.
Consumer complaint received 2022-12-20
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. (VA)

I sent a letter off in XXXX of XXXX, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX  XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # XXXX
Consumer complaint received 2022-11-29
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. (MI)

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 U.S.C 1681. 
..Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 1681section 602 A.States I have the right to privacy..

.15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

.15 U.S.C 1681 ( 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 1681 5-2 ( 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 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are accounts currently being furnished on my credit report without my written authorization or consent. Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report. Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave TRANSUNION WRITTEN CONSENT to furnish any of these accounts. Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. XXXX XXXX  account # XXXX-balance- {$87000.00}, XXXX XXXX  account XXXX XXXX-balance- {$13000.00}, XXXX XXXX  XXXX account # XXXX-balance- {$31000.00} XXXX XXXX account # XXXX
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, 2017 I called to place a stop payment on a check with Bank of America. On XXXX XXXX, 2017, I see the check posted, when I spoke with Bank of America customer service, they advised me that the stop was on my account correctly and XXXX XXXX put the check through a few times. The first time Bank of America stopped it but when the bank took out the check number it went through electronically and they can not do anything about that. First, I was never told over the phone or by the letter they sent to me about the stop payment did it say that if a bank puts the check through electronically it will still process. Second, when XXXX XXXX first put the check through and Bank of America stopped it then the same bank put the same amount, made out to the same person through a second time, they let it go through then. It seems very deceptive on Bank of America side, they should have stopped it for both.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My boyfriend and I moved in together last year and joined our insurances and created a joint food account, last XXXX including checking accounts, auto insurance and renters ' insurance. USAA was told to add me to the renters policy and now they are saying it's just in my boyfriends name. This is not not true or fair. They will not talk to me about it and are being very rude. Now I have to file a claim for stolen property and they are saying I'm not covered. I should have been on that policy since last XXXX and this should be illegal.
Consumer complaint received 2023-02-03
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. (NC)

This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo sold my home and I did not know. I was home and received a letter saying that I needed to leave as my home was sold. I knew that I was going through a loan modification and was sending over information and I was approved and was making payments ( they took it out my account electronically ). After checking this out to see if it was true my home was sold months prior and I kept getting letters in the mail and when I would call they told me it was nothing and apart of the modification process to disregard. Long story short my association stop allowing me access and I had to go and find somewhere else to leave with family. I did not have the money for a laser as their fees were in my budget as I had to leave. I ended up taking them back to court on my own a year later while the house sat and I won at court. The judge overturned the selling and I had to learn legal and represented myself.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I summited a complaint with the CFPB about TransUnion XXXX is the number for the referenced complaint. They have removed most items but there are some items on my consumer report identified by me as fraud that still remain and they need to remove them. XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX are the items that have been identified as fraud on my report and need to be removed.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

My Wester Union XXXX XXXX was hacked. On XX/XX/2023, I received multiple emails regarding payment transfers from Western Union totaling to {$1400.00}. Right away, I called Wester Union and reported it but while i'm on the call, the transfers were still happening. And then it stopped when my bank ran out of money. The claim was filed then they told me to call XXXX XXXX XXXX My Bank ) to dispute it there as well. I did it and they said they will dispute it. And then recently I just received a letter dated XX/XX/2023 saying that they are closing the case and they said they lost it and they will not return my money. I've been calling them both ( Western Union and XXXX XXXX ) but they keep on telling me they can't do anything. I'm losing hope now. Its big money and it affects me and my family a lot.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-16
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. (IL)

I am reaching out to bring attention to the presence of fraudulent personal information associated with my identity. I have discovered that certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. As a victim of identity theft, I have taken immediate action to report this incident. It is imperative to address this situation promptly, as it has had adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a case of identity theft and notified all creditors on my report. I received a response back from XXXX  XXXX XXXX stating they will be removing the account from credit reporting agencies. I sent a copy of this letter to all three credit bureaus by Certified Mail. In the letters I requested the deletion of the account, per the promise I received from XXXX  XXXX XXXX. It is now XXXX and XXXX  XXXX XXXX, Experian, and XXXX have failed to delete the account. I sent a similar letter to XXXX, and the account was promptly deleted. The law dictates that all of my consumer reports have the same information and be identical to one another. I am requesting Experian and XXXX to follow suit with XXXX in deleting this account so that all of my consumer files are the same. I have attached the letter from XXXX  XXXX XXXX and the deletion from XXXX to further expedite this request. I pray that Experian and XXXX acts in good faith to ensure this account is removed promptly. It is considered inaccurate information and is damaging my credit file. Thank you.
Consumer complaint received 2023-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (KY)

There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtness ). I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to Zion Debt Holdings LLC making false claims against my Estate XXXX XXXX XXXX I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.